Veteran Business Funding Guide: Loans, Grants & Programs (2026)

SBA Programs for Veteran Entrepreneurs

The SBA Veterans Advantage program reduces or eliminates guarantee fees on SBA 7(a) loans for qualifying veteran-owned businesses — saving thousands of dollars in upfront costs. The SBA also funds Boots to Business, a free entrepreneurship education program for transitioning service members, and operates Veteran Business Outreach Centers (VBOCs) nationwide that provide free business counseling and loan preparation support.

Business Grants for Veterans

Several grant programs target veteran entrepreneurs specifically. The StreetShares Foundation offers grants and pitch competitions for veteran small business owners. The National Veterans Small Business Coalition connects veterans with corporate and government contracting opportunities. The USDA offers rural business development grants that veteran-owned businesses in rural areas can access. Grants require more effort than loans but provide non-repayable capital that strengthens your financial foundation.

Additional Veteran Entrepreneur Resources

SCORE mentorship through veteran-specific chapters provides free guidance from experienced business mentors. The National Veteran-Owned Business Association (NaVOBA) offers corporate supplier diversity certifications that open procurement doors. Veteran certification from the Department of Veterans Affairs (VOSB/SDVOSB certification) is required to compete for VA set-aside contracts, which represent a significant and reliable revenue stream for qualifying businesses.

Frequently asked questions

Does the SBA waive fees for veteran-owned businesses?

The SBA Veterans Advantage program reduces or eliminates guarantee fees on most 7(a) loans for qualifying veteran-owned businesses.

What is SDVOSB certification?

Service-Disabled Veteran-Owned Small Business certification from the VA is required to compete for federal contracts set aside specifically for service-disabled veterans.