SBA Loan Services to Help Start, Grow, or Strengthen Your Business


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 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.


Learn More About the Process 


Benefits of SBA and USDA Loans

SBA and USDA loan programs help ensure businesses have access to financing with benefits that help them succeed.

  • Extended repayment terms
  • Lower collateral requirements
  • Finance working capital/intangible assets
  • Competitive interest rates
  • Access large amounts of capital, if needed
  • No prepayment penalties for SBA loans under 15 years

VITAL’s Role in the Lending Process

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 Lending Services

Business Financing

Acquisition funding

Business growth

Business transitions – new markets

Franchise opportunities

International trade/export

Refinance/debt restructure

SBA and USDA Loan Expertise



Loan processing

Loan closing

Loan servicing

Ongoing Compliance Guidance

Substitution of collateral

Release of guarantors

Payment deferrals

Term extensions

Get in touch to learn more