The M5 LOAN Program

Specially designed for the active military and veterans through My Military Financial Services, the M5 Loan® offers a unique opportunity for veterans and their spouses to access SBA financing with more accommodating criteria for net worth and credit history. This loan shares the rapid processing, no-collateral requirement, and low monthly payments of our popular Express loan program, enhanced with additional benefits tailored for U.S. Military Veterans.

The M5 Loan® is a variant of the SBA 7A LOAN, exclusively for military personnel. Established by a veteran, it is dedicated to serving veterans, active military members, and their spouses.

M5 Loan® benefits include:

No comparable credit required (if separation is within 5 years)
Minimal net worth required (if separation is within 5 years)
Reduced post-closing liquidity requirements for Active-Duty personnel and those that have been separated less than a year
Expedited processing

Requirements to qualify for the M5 Loan®

Verification of military status (i.e., DD-214 or current LES)
Outstanding credit card debt not to exceed 40% Credit usage
Credit score must be 685 or Higher Start-ups and new businesses in operation less than 2 years require minimum cash injection of 10% of overall project cost. The funds used for the injection must come from non-borrowed sources.
Personal liquidity will depend on industry. Call for more information on liquidity requirements.

Embark on Your Military Business Venture with Assurance

Stepping into business ownership as active military, or a veteran is a significant and potentially transformative career move. At First Financial, we’re dedicated to making the financial process of starting or expanding your business through our M5 Loans as smooth and supportive as possible.

Embark on your business journey with the confidence and backing you deserve as a veteran. Reach out to our specialists today to begin your path to business ownership.