Faster SBA Approvals • No SBA Wait Times

VetLoan Advantage Program

Faster SBA Approvals and no SBA wait times. Honoring your service with enhanced SBA 504 financing benefits.

Reduced Processing Fees
Save thousands with 1.0% processing fee vs. standard 1.5%.
We Pay Half Your Lender Fees
Up to $3,000 credit toward third-party lender costs.
Extended to Military Spouses
Benefits available to veteran-owned AND spouse-owned businesses.

What Is the VetLoan Advantage Program?

A special recognition of your service with enhanced SBA 504 benefits.
Start My Veteran SBA 504 Loan

Standard SBA 504 Structure:

Bank provides 50% first mortgage
New England Certified provides 40% SBA debenture
You contribute 10% down payment

Plus Your Veteran Benefits

Reduced processing fee from 1.5% to 1.0% (saves $5,000 on $1M loan)
We pay half your lender fees up to $3,000 toward third-party costs
Same great rates fixed for 20-25 years on real estate, 10 years on equipment

Who qualifies for veteran benefits?

Veterans who have served in any branch of the U.S. military
Military spouses (current or former) of qualifying veterans
Business ownership by veteran or spouse (any percentage)
The Result
All the advantages of SBA 504 financing, plus thousands in additional savings as our way of saying thank you for your service.

Why Choose New England Certified for Your Veteran Benefits?

We go beyond the minimum to support our military families.

Dedicated Veteran Support
Personalized guidance from a team that understands military families.
Maximum Cost Savings
Up to $8,000 total savings through reduced fees and our lender contribution.
Faster Processing
Premier Certified status means no SBA wait times.

July 2025 Rates

6.376%
25-Year Debentures
6.405%
25-Year Refi
6.395%
20-Year Debentures
6.420%
20-Year Refi
6.218%
10-Year Debentures
6.254%
10-Year Refi
FAQs

Frequently Asked Questions

What is an SBA 504 loan?
Why New England Certified?
Who is eligible for an SBA 504 loan?
Who is ineligible for an SBA 504 loan?
Why a SBA 504 loan instead of a commercial loan? What are the advantages?
What can I use a SBA 504 loan for?
What are ineligible use of funds?

Ready to Own Your Business Property?

Let's connect and see how SBA 504 financing can help your business grow today! Our Premier Certified SBA experts will review your project, explain your options, and get you pre-qualified in minutes – not days.