Direct Working Capital for Veteran-Owned Businesses

Veteran-owned businesses frequently need capital on a compressed timeline, whether that is funding a government contract mobilization, covering payroll during a slow receivables cycle, or seizing an equipment deal tied to a bid deadline. Valhalla's underwriting model is built around speed: we evaluate bank statements, deposit consistency, and time in business rather than requiring the multi-week documentation cycle typical of SBA or bank financing. A veteran-owned business with six months of history and steady monthly deposits can receive a decision the same day and funding within 24 hours.

We do not offer discounted rates based on veteran status, and any lender advertising a blanket veteran discount should be evaluated carefully, since pricing in this industry is driven by risk data, not owner classification. What we do offer is honest guidance: if your business would benefit more from the SBA's Veterans Advantage fee relief on 7(a) loans, or from a VA-affiliated program through your state's veteran business office, we will tell you during the consultation rather than steer you into a faster but more expensive product that does not fit your timeline.

Funding offers are structured either as a fixed factor rate applied against the amount advanced, or as a term loan with an annualized rate, depending on your qualification profile. A factor rate of 1.25 on $75,000 results in $93,750 in total repayment, collected via daily or weekly remittances tied to your bank account or receivables. The primary inputs that shape your rate are average daily balance, frequency of negative-balance days, current outstanding debt from other funders, and industry classification, particularly relevant for veteran-owned businesses in government services, construction, or logistics.

The trade-off is straightforward: faster, less document-intensive underwriting means the funder is pricing in more uncertainty, so effective cost runs higher than SBA or bank term debt. For a veteran-owned contractor that just won a bid and needs mobilization capital in 48 hours, that premium is often justified by the opportunity cost of missing the contract start date. For a business with a longer runway and stronger financials, an SBA Veterans Advantage loan or a bank line of credit will almost always cost less over the life of the capital.

• Factor rate or annualized pricing based on bank and credit data
• Daily or weekly remittance structures tied to cash flow
• SBA Veterans Advantage may cost less if timeline allows

This funding is well suited to veteran-owned businesses that need capital within days rather than weeks, have at least six months of operating history, and generate $15,000 or more in average monthly bank deposits. Common use cases include mobilizing for a new contract, covering a materials deposit, or smoothing payroll during a receivables gap. It is a less efficient fit for long-range capital needs like a facility purchase or major equipment buildout, where SBA 504 or 7(a) financing typically delivers a lower blended cost despite the longer timeline.

Before applying, confirm your monthly deposit average meets our threshold and gather four months of statements so we can generate an accurate offer quickly. If your need is time-sensitive but your financials are strong enough for a bank or SBA product, ask us directly and we will walk through both paths so you can compare total cost against your actual deadline.