Veteran Lending

United Community Bank is proud to support veteran-owned small businesses. Through our Veteran Initiative, you can leverage all of our small-business lending resources while saving money with lower interest rates and lower or no fees. We’re an SBA Preferred Lender, and our program is in partnership with the National Association of Government Guaranteed Lenders (NAGGL).

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Types of Loans

Veteran Initiative Features

  • Expedited loan process
  • Low down payments
  • Longer loan terms
  • Lower SBA Guarantee fee
  • No packaging fee 

Industry Specialization


Required Documents Checklist

For Initial Review

  • Borrower application
  • Three years of business federal tax returns (all statements and schedules)
  • Interim P&L and balance sheet (within 60 days)
  • Business debt schedule
  • Management team résumés
  • Personal financial statement
  • Authorization to run credit 

For Approval

  • Three years of personal federal tax returns (all statements and schedules)
  • History of business
  • SBA Form 1919
  • Letter of Intent or Purchase Agreement (if applicable)
  • Notes to be refinanced (if applicable)
  • Business plan/projections with assumptions (if applicable) 

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