Building Small Business and Community Dreams by Making Financial Capital More Accessible

SBA and USDA Lending Services

SBA 7(a) COVID Relief Enhancements for Lenders and Borrowers in 2021

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Comprehensive Support for SBA and USDA-Guaranteed Loans

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4 Reasons to Use the SBA to Finance Business Acquisitions


Who We Work With


Experienced Banking and Finance Professionals

  • SBA and USDA lending expertise
  • Customized financial solutions
  • Efficient processes
  • Professional and friendly support

Loan Programs

Learn more about the different SBA and USDA programs that make financial capital available to businesses and communities.

Case Studies


See examples of SBA and USDA loans at work.

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Hear From Our Clients

"We started working with VITAL due to the unique needs of our customers. In one case, our decision to go with SBA helped our customer stay in business – being able to customize the loan and include items into the final amount that traditional financing was incapable of covering. Any dedicated SBA or USDA guaranteed lending needs to go through VITAL. They act as our experts for the packaging, presenting, and closing of these loans. While the deals we present VITAL are always highly complex, they’re always responsive and can come to the table with the right answers."

- Jeffery Lee Vry, Owner, Pillar to Post Home Inspection

"When I was looking for financing for my first franchise agreement, my business broker referred me to Mike at VITAL to look into SBA loans. Working through the process was very easy; Mike was prompt, flexible, and helped me understand the process from start to finish. Once my financials were submitted, we had a bank interested within the same week and it was basically a done deal. I’m now working on a second franchise opportunity – the only company I called for SBA financing assistance was VITAL."

- John Steen, Sr. VP, Lincoln Savings Bank, Waterloo, IA

"We have worked numerous times with VITAL Financial Services over the past five years. They are extremely knowledgeable about the financial world and utilizing programs like the SBA to help fund loans. They do everything that’s necessary to get a deal done. I highly recommend their services."

- Jim Rahfaldt, CyHawk Hospitality

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