When your business needs access to capital, you’ll find a vast landscape of financial options—but not all of them will serve your best interests. We specialize in Small Business Administration and U.S. Department of Agriculture lending programs that have the unique needs of small, mid-size, and rural businesses in mind.
You can count on our team of banking and financial professionals to develop solutions that consider the long-term health, growth, and success of your business. We have worked with many businesses across varied industries, but have particular expertise in the manufacturing, heavy construction, contractors, land improvement, mining, wholesale, transportation, and distribution and export industries. We also work with startups and franchises.
SBA and USDA loan programs help ensure businesses have access to financing with benefits that help them succeed.
SBA and USDA loans require special expertise, so direct lenders like community banks partner with VITAL to underwrite, close, and service loans on their behalf. We serve as a central coordinator, working with you, the lender, and the SBA in a responsive and efficient manner.
Business transitions – new markets
Substitution of collateral
Release of guarantors