Patriot Express Veterans Small Business Loans, business loans for veterans.#Business #loans #for

Patriot Express Veterans Small Business Loans

Business loans for veterans

Veterans Benefits For Dummies

Veterans who want to start a business should checkout the Patriot Express Veterans Small Business Loan program. Patriot Express is administered by the SBA (Small Business Administration).The SBA Patriot Express Pilot Loan Initiative provides loans for veterans who want to start a small business or expand a small business they already own.

Patriot Express is a pilot program that officially started in June 2007, but it didn t really get off the ground and start making loans until February 2008. Because it s a pilot program, nobody knows how long it will last. If you re a veteran and you re thinking of starting your own small business, you may want to get in while the getting is good.

Which veterans small businesses qualify for Patriot Express?

The definition of a small business is the same for veterans as it is for other business people. When the U.S. Congress first established SBA, the fundamental question was just what numerical definition SBA should use to define small businesses, industry by industry, to determine what businesses were eligible for SBA s programs.

Over the years SBA has established and revised numerical definitions for all for-profit industries, and this numerical definition is called a size standard.

The most common size standards are as follows:

500 employees or fewer for most manufacturing and mining industries

100 employees or fewer for all wholesale trade industries

$6.5 million or less for most retail and service industries

$31 million or less for most general and heavy construction industries

$13 million or less for all special trade contractors

$750,000 or less for most agricultural industries

If you plan to apply for a loan through the Patriot Express program, your business must meet one of these standards.

How much can a veteran borrow under Patriot Express?

You can borrow up to $500,000 under the Patriot Express program. The SBA will guarantee up to 85 percent of the borrowed amount for loans of $150,000 or less and up to 75 percent for loans over $150,000 up to $500,000.

The U.S. government doesn t actually lend you the money. Instead, it guarantees a large percentage of your loan to the lender. In other words, if you default, the government repays the lender the lion s share of the loan. Think of it as having your favorite Uncle Sam as your co-signer.

You don t need to provide collateral for many loans, but for loans above $350,000, lenders are required to take all available collateral.

Interest rates can vary, depending on certain factors, but the SBA guarantees it will use its lowest small business loan rates under the Patriot Express program. These rates are generally 2.25 to 4.75 percent over prime, depending on the loan s size and time to maturity. Interest rates are usually on the high end for larger loans and loans with a longer repayment period.

Which veterans are eligible for Patriot Express?

Most veterans, and even some spouses of veterans, are eligible for the Patriot Express program.

Veterans (except those with a dishonorable discharge)

Active-duty members eligible for the military s Transition Assistance Program. This includes military retirees within 24 months of separation and other active-duty members within 12 months of separation.

Reservists and National Guard members

Current spouses of any of these folks

The widowed spouse of a service member or veteran who died during service or of a service-connected disability

Do veterans need to create a small business plan?

Even though you re a qualified veteran, you can t just walk into a lender and get a small business loan, even under the guarantees of programs such as Patriot Express. The lender wants to know that your business is likely to succeed and that you ll be able to repay the loan. In other words, they want to see a solid business plan.

A business plan precisely defines your business, identifies your goals, and serves as your firm s resume. Its basic components include a current and pro forma balance sheet, an income statement, and a cash flow analysis.

A business plan helps you allocate resources properly, handle unforeseen complications, and make the right decisions. Because it provides specific and organized information about your company and how you will repay borrowed money, a good business plan is a crucial part of any loan package. Additionally, it tells your sales personnel, suppliers, and others about your operations and goals.

Writing a solid business plan isn t an easy task, so you ll probably need help. The SBA has an excellent tutorial on writing the perfect business plan for your small business. You can access the tutorial online at the SBA s website.

To find a lender that works with the SBA s Patriot Express program, contact your local SBA district office.





Business Loan Opportunities for Military Veterans in 2014, The U, business loans

Business Loan Opportunities for Military Veterans in 2014

The service of veterans has done a tremendous amount for the United States – on our own soil and around the world. Many continue their contributions to the country by channeling their skills and leadership into entrepreneurial endeavors that help strengthen our economy.

And now through the rest of the fiscal year, SBA’s Express Loan Program will make it easier to get loans in the hands of veterans so they can succeed in their business ventures.

Through the end of September, SBA has set the borrower upfront fee to zero for all veteran loans authorized under the SBA Express program, which supports loans of up to $350,000.

Additionally through the end of the fiscal year, fees on all loans (and not just for veterans) $150,000 and under are set to zero.

These initiatives make the loans cheaper for the borrower, which is just another way SBA is looking to serve small business owners – and those veterans who have served us – as they look for ways to access capital.

About the Express Loan Program

One great feature of the Express Loan Program is that it has an accelerated turnaround time for SBA review. You’ll receive a response to your application within 36 hours.

With a fast turnaround, streamlined process and easy-to-use line of credit, this program is SBA’s most popular loan delivery method – nearly 60 percent of all 7(a) loans over the past decade being authorized through the program. Since the program began, it has also been one of the most popular delivery methods for getting capital into the hands of veteran borrowers.

Interested in exploring loan options to get your business started? Check out these loans that fall under Express Program standards. Our business loan checklist can also help prepare you for the application process, in addition to taking a look at the credit factors lenders will consider when you apply for an SBA-backed loan.

In the transition from military service to customer service, you’ll find great resources from SBA to help you find success. And if you’re looking for funding to get your business off the ground, these loan perks may make it possible to do just that.

About the Author:

Business loans for veterans





Best Small Business Loans for Veterans of 2017, business loans for veterans.#Business

Best Small Business Loans for Veterans of 2017

If you’re a veteran and an owner of a small business, there are resources and lenders that offer specific financing options for military veterans starting or growing their businesses. To help you make a decision, we researched over 30 different lenders and loan programs to find some of the best small business loans for veterans. Below we’ve gathered our top picks for financing for veteran small business owners and entrepreneurs.

If you have a credit score under 700, StreetShares is an excellent choice to get a loan or line of credit. StreetShares is an online lender founded by veterans with a focus on helping veteran small business owners get the funding they need. StreetShares offers loans ranging from $2,000 to $100,000 and lines of credit ranging from $5,000 and $100,000 for terms between three to 36 months. A business cannot borrow any amount that is greater than 20% of its annual revenue. APRs start at 8%, which is especially good compared to other alternative lenders.

To qualify, you only need a minimum credit score of 600 and be a U.S citizen or permanent resident. Your business must also have $25,000 in annual revenue. Loans require one year in business, and lines of credit require two years. At the end of your application, you can pitch your business and the reason you need funds, which can help speed up the process. Since StreetShares is a peer to peer lender, investors will compete to fund your loan, and more compelling pitches may get more interest. You will usually get funds to your business bank account within a week, which is speedier than a typical bank loan.

Summary

  • 8% – 39.99% APRs
  • Terms up to 36 months
  • Lenient eligibility requirements
  • Loans and lines of credit up to $100,000
  • Funding as fast as 36 day

Best Small Business Loans for Veterans with Good Credit: SBA Express and CA Loans

One of the most popular SBA loan programs, the 7(a) loan, offers two types of loans that are great for veteran small business owners. The first is the Express Loan program, which provides basic 7(a) loans up to $350,000 for up to seven years with expedited review from the SBA (a response is typically given in 36 hours or less). Veteran business owners who apply through the Express Loan program also benefit from the SBA Veterans Advantage, meaning all upfront fees are reduced to zero if the loan application is approved. For these loans, lenders will normally want to see creditworthy borrowers with financially healthy businesses.

Another type of 7(a) that is excellent for veteran business owners is the Community Advantage Loan. CA Loans are offered to businesses in underserved markets, including businesses that qualify for the SBA Veterans Advantage. CA Loans are offered up to $250,000 with terms up to 10 to 25 years, and borrowers have access to management and technical assistance. Borrowers must show their creditworthiness and viability of their business idea to qualify. Qualifying is not limited by a business’s revenue or amount of collateral available.

Summary

  • 5.75% – 10.00% interest rates
  • Terms up to 7 years (Express) or 10-25 years (CA)
  • Stricter eligibility requirements
  • Loans up to $250,000 (CA) or $350,000 (Express)
  • Several weeks to fund

Best Small Business Startup Loans for Veterans: Accion

Accion is a great choice for veterans with startups or new businesses, as the lender offers special startup financing and educational resources for veterans. Accion is a nonprofit organization that offers loans for underserved businesses, and the organization is committed to helping veterans qualify for funding if they are not currently eligible by offering workshops and resources. Accion has partnered with Syracuse University’s Institute for Veteran and Military Families to offer these programs to veterans and their spouses. If you aren’t eligible now, with Accion’s assistance, you may qualify to apply again in as few as three months.

Startups can borrow up to $10,000 with interest rates starting at 11%. The application takes 15 minutes to complete, and you will hear from Accion within two business days. To qualify, you need a credit score of 575 and must demonstrate that your business has the cash flow to make repayments. Your business cannot be over 30 days late on any bills (certain exceptions are made for emergency situations). For businesses that are less than six months old, the business must be located at home or in an incubator. Other requirements may apply.

Summary

  • Interest rates start at 10.99%
  • Terms up to 5 years
  • Stricter eligibility requirements
  • Loan amounts range from $300 to $1,000,000
  • Funds in a few weeks

Best Small Business Grants for Veterans: BusinessUSA

The United States’ government BusinessUSA website is one of the best places to look for federal and state financing programs for your small business, especially if you are a veteran. While BusinessUSA does not offer loans or grants directly, it shows all government financing options for which you may be eligible. To see your financing options, you’ll need to fill out a questionnaire that asks about your business’s location, planned use of the funds, special group status (e.g., veterans, women, minorities, etc.) and industry of your business. After filling in the questionnaire, you’ll see a list of all state and federal programs you may qualify for, preferred private lenders in your state, SBA microlenders and SBA offices in your state. You can also access BusinessUSA through the Department of Veteran Affairs Veteran Entrepreneur Portal.

Summary

  • Variety of state and federal financing programs
  • Loan and grant amounts and terms vary
  • Specific financing programs for veterans
  • Eligibility requirements vary

Best Small Business Loans for Veterans With Active Duty Employees: SBA MREIDL

If you have an employee called to active duty, SBA Military Reservist Economic Injury Disaster Loans (MREIDL) are a great option for getting financing to cover the lost revenue or opportunities from that employee leaving. The U.S. Small Business Administration offers MREIDL for small businesses that cannot cover typical expenses because an essential employee must temporarily leave to fulfill his or her position in the military. The loan is meant for working capital and cannot be used for debt refinancing or business expansion.

You can apply online beginning on the day that your employee is called to active duty until one year after the employee completes his or her duty. To apply, you will need income tax returns from the past three years, personal financial statements and current business balance sheets. After you complete your application, an inspector sent by the SBA will assess any damage costs.

To qualify, the SBA must determine that you don’t have other non-government funding sources available. You must also demonstrate your creditworthiness and ability to repay. These loans require real estate collateral for amounts over $50,000 (if unavailable, you can put up other business assets). Interest rates are 4% with terms up to 30 years. The SBA will determine the loan amount, taking into consideration insurance benefits and other funding sources. While the maximum loan amount is $2 million, the SBA can offer larger amounts if the business is an important source of employment in its community.

Summary

  • 4% interest rate
  • Loans up to $2 million
  • Stricter eligibility requirements
  • Terms up to 30 years
  • Funding times vary (first come, first served)

Summary of Best Small Business Loans for Veterans

For quick comparison, we’ve summarized our findings on the best lenders and loan programs for veteran small business owners in the table below.





Patriot Express Veterans Small Business Loans, business loans for veterans.#Business #loans #for

Patriot Express Veterans Small Business Loans

Business loans for veterans

Veterans Benefits For Dummies

Veterans who want to start a business should checkout the Patriot Express Veterans Small Business Loan program. Patriot Express is administered by the SBA (Small Business Administration).The SBA Patriot Express Pilot Loan Initiative provides loans for veterans who want to start a small business or expand a small business they already own.

Patriot Express is a pilot program that officially started in June 2007, but it didn t really get off the ground and start making loans until February 2008. Because it s a pilot program, nobody knows how long it will last. If you re a veteran and you re thinking of starting your own small business, you may want to get in while the getting is good.

Which veterans small businesses qualify for Patriot Express?

The definition of a small business is the same for veterans as it is for other business people. When the U.S. Congress first established SBA, the fundamental question was just what numerical definition SBA should use to define small businesses, industry by industry, to determine what businesses were eligible for SBA s programs.

Over the years SBA has established and revised numerical definitions for all for-profit industries, and this numerical definition is called a size standard.

The most common size standards are as follows:

500 employees or fewer for most manufacturing and mining industries

100 employees or fewer for all wholesale trade industries

$6.5 million or less for most retail and service industries

$31 million or less for most general and heavy construction industries

$13 million or less for all special trade contractors

$750,000 or less for most agricultural industries

If you plan to apply for a loan through the Patriot Express program, your business must meet one of these standards.

How much can a veteran borrow under Patriot Express?

You can borrow up to $500,000 under the Patriot Express program. The SBA will guarantee up to 85 percent of the borrowed amount for loans of $150,000 or less and up to 75 percent for loans over $150,000 up to $500,000.

The U.S. government doesn t actually lend you the money. Instead, it guarantees a large percentage of your loan to the lender. In other words, if you default, the government repays the lender the lion s share of the loan. Think of it as having your favorite Uncle Sam as your co-signer.

You don t need to provide collateral for many loans, but for loans above $350,000, lenders are required to take all available collateral.

Interest rates can vary, depending on certain factors, but the SBA guarantees it will use its lowest small business loan rates under the Patriot Express program. These rates are generally 2.25 to 4.75 percent over prime, depending on the loan s size and time to maturity. Interest rates are usually on the high end for larger loans and loans with a longer repayment period.

Which veterans are eligible for Patriot Express?

Most veterans, and even some spouses of veterans, are eligible for the Patriot Express program.

Veterans (except those with a dishonorable discharge)

Active-duty members eligible for the military s Transition Assistance Program. This includes military retirees within 24 months of separation and other active-duty members within 12 months of separation.

Reservists and National Guard members

Current spouses of any of these folks

The widowed spouse of a service member or veteran who died during service or of a service-connected disability

Do veterans need to create a small business plan?

Even though you re a qualified veteran, you can t just walk into a lender and get a small business loan, even under the guarantees of programs such as Patriot Express. The lender wants to know that your business is likely to succeed and that you ll be able to repay the loan. In other words, they want to see a solid business plan.

A business plan precisely defines your business, identifies your goals, and serves as your firm s resume. Its basic components include a current and pro forma balance sheet, an income statement, and a cash flow analysis.

A business plan helps you allocate resources properly, handle unforeseen complications, and make the right decisions. Because it provides specific and organized information about your company and how you will repay borrowed money, a good business plan is a crucial part of any loan package. Additionally, it tells your sales personnel, suppliers, and others about your operations and goals.

Writing a solid business plan isn t an easy task, so you ll probably need help. The SBA has an excellent tutorial on writing the perfect business plan for your small business. You can access the tutorial online at the SBA s website.

To find a lender that works with the SBA s Patriot Express program, contact your local SBA district office.





Veterans Affairs Small Business Loans – Grants, business loans for veterans.#Business #loans

Veterans Affairs Small Business Loans & Grants

  • 1 [Small Business Loan] | How Disabled Veterans Can Obtain an Small Business Loan
  • 2 [Business Grants] | Veteran-Owned Business Grants
  • 3 [Small Business Administration Grants] | Small Business Administration Grants
  • 4 [Help] | How to Get Help for Veterans to Start a Business

The VA does not give grants or make general business loans to veterans. Both the VA and the SBA have programs providing veterans with business assistance.

The U.S. Department of Veterans Affairs does not make general business loans to veterans. Although the Small Business Administration once offered the Patriot Express program for veterans, it expired in 2013. Neither the VA nor the SBA provides business-related individual cash grants to veterans. However, the federal government offers other kinds of business assistance to vets.

Government Assistance for Veterans

The government provides loan assistance to veterans and others related to special circumstances, such as the Military Reservist Economic Injury Disaster Loan program, which lends up to $2 million to eligible small businesses that have suffered economic injury because essential employees were called up for active military service.

The government has a portal, Grants.gov, that provides an overview of the kinds of government grants that are available.

Many nongovernmental websites purport to connect individuals with government grants. A few are legitimate, but many are not. The safest approach to learning about government grants – what they are, who is eligible and how to apply for them – is through the Grants.gov portal.

Government cash grants are generally limited to organizations, rather than individuals, and are targeted to accomplish specific government goals, such as the U.S. Department of Agriculture’s food programs for impoverished U.S. and foreign populations.

SBA Office of Veterans Business Development

One good place to start if you’re a vet looking for help starting or expanding your business is the SBA Office of Veterans Business Development, which serves as a portal to a number of SBA, VA and nongovernmental organization programs designed to help veterans, their dependents and survivors. These programs include training, business counseling and mentorship. From the OVBD home page, you can access such government programs and agencies as:

  • Boots to Business, which offers two different classroom courses to help you develop a business plan. Both the two-day and the eight-day course provide specific advice on getting your business started.

These are only three of the more than 30 agencies and programs available through the OVBD portal. Some are general programs that are available to all vets; others, like Dog Tag Bakery, are designed to help specific veteran groups.

Grants. gov

The best place to find out about federal, state and NGO grants that veterans can apply for is the Grants. gov website. Rather than actually providing grants, the website gives information about government grants in general – what they are designed to accomplish, for example – and gives descriptions and one-click access to various grant-giving agencies. While veterans may not receive government grants directly, they may benefit from grants to organizations that provide veterans and specific groups, such as disabled veterans, with various kinds of assistance.





Best Small Business Loans for Veterans of 2017, business loans for veterans.#Business

Best Small Business Loans for Veterans of 2017

If you’re a veteran and an owner of a small business, there are resources and lenders that offer specific financing options for military veterans starting or growing their businesses. To help you make a decision, we researched over 30 different lenders and loan programs to find some of the best small business loans for veterans. Below we’ve gathered our top picks for financing for veteran small business owners and entrepreneurs.

If you have a credit score under 700, StreetShares is an excellent choice to get a loan or line of credit. StreetShares is an online lender founded by veterans with a focus on helping veteran small business owners get the funding they need. StreetShares offers loans ranging from $2,000 to $100,000 and lines of credit ranging from $5,000 and $100,000 for terms between three to 36 months. A business cannot borrow any amount that is greater than 20% of its annual revenue. APRs start at 8%, which is especially good compared to other alternative lenders.

To qualify, you only need a minimum credit score of 600 and be a U.S citizen or permanent resident. Your business must also have $25,000 in annual revenue. Loans require one year in business, and lines of credit require two years. At the end of your application, you can pitch your business and the reason you need funds, which can help speed up the process. Since StreetShares is a peer to peer lender, investors will compete to fund your loan, and more compelling pitches may get more interest. You will usually get funds to your business bank account within a week, which is speedier than a typical bank loan.

Summary

  • 8% – 39.99% APRs
  • Terms up to 36 months
  • Lenient eligibility requirements
  • Loans and lines of credit up to $100,000
  • Funding as fast as 36 day

Best Small Business Loans for Veterans with Good Credit: SBA Express and CA Loans

One of the most popular SBA loan programs, the 7(a) loan, offers two types of loans that are great for veteran small business owners. The first is the Express Loan program, which provides basic 7(a) loans up to $350,000 for up to seven years with expedited review from the SBA (a response is typically given in 36 hours or less). Veteran business owners who apply through the Express Loan program also benefit from the SBA Veterans Advantage, meaning all upfront fees are reduced to zero if the loan application is approved. For these loans, lenders will normally want to see creditworthy borrowers with financially healthy businesses.

Another type of 7(a) that is excellent for veteran business owners is the Community Advantage Loan. CA Loans are offered to businesses in underserved markets, including businesses that qualify for the SBA Veterans Advantage. CA Loans are offered up to $250,000 with terms up to 10 to 25 years, and borrowers have access to management and technical assistance. Borrowers must show their creditworthiness and viability of their business idea to qualify. Qualifying is not limited by a business’s revenue or amount of collateral available.

Summary

  • 5.75% – 10.00% interest rates
  • Terms up to 7 years (Express) or 10-25 years (CA)
  • Stricter eligibility requirements
  • Loans up to $250,000 (CA) or $350,000 (Express)
  • Several weeks to fund

Best Small Business Startup Loans for Veterans: Accion

Accion is a great choice for veterans with startups or new businesses, as the lender offers special startup financing and educational resources for veterans. Accion is a nonprofit organization that offers loans for underserved businesses, and the organization is committed to helping veterans qualify for funding if they are not currently eligible by offering workshops and resources. Accion has partnered with Syracuse University’s Institute for Veteran and Military Families to offer these programs to veterans and their spouses. If you aren’t eligible now, with Accion’s assistance, you may qualify to apply again in as few as three months.

Startups can borrow up to $10,000 with interest rates starting at 11%. The application takes 15 minutes to complete, and you will hear from Accion within two business days. To qualify, you need a credit score of 575 and must demonstrate that your business has the cash flow to make repayments. Your business cannot be over 30 days late on any bills (certain exceptions are made for emergency situations). For businesses that are less than six months old, the business must be located at home or in an incubator. Other requirements may apply.

Summary

  • Interest rates start at 10.99%
  • Terms up to 5 years
  • Stricter eligibility requirements
  • Loan amounts range from $300 to $1,000,000
  • Funds in a few weeks

Best Small Business Grants for Veterans: BusinessUSA

The United States’ government BusinessUSA website is one of the best places to look for federal and state financing programs for your small business, especially if you are a veteran. While BusinessUSA does not offer loans or grants directly, it shows all government financing options for which you may be eligible. To see your financing options, you’ll need to fill out a questionnaire that asks about your business’s location, planned use of the funds, special group status (e.g., veterans, women, minorities, etc.) and industry of your business. After filling in the questionnaire, you’ll see a list of all state and federal programs you may qualify for, preferred private lenders in your state, SBA microlenders and SBA offices in your state. You can also access BusinessUSA through the Department of Veteran Affairs Veteran Entrepreneur Portal.

Summary

  • Variety of state and federal financing programs
  • Loan and grant amounts and terms vary
  • Specific financing programs for veterans
  • Eligibility requirements vary

Best Small Business Loans for Veterans With Active Duty Employees: SBA MREIDL

If you have an employee called to active duty, SBA Military Reservist Economic Injury Disaster Loans (MREIDL) are a great option for getting financing to cover the lost revenue or opportunities from that employee leaving. The U.S. Small Business Administration offers MREIDL for small businesses that cannot cover typical expenses because an essential employee must temporarily leave to fulfill his or her position in the military. The loan is meant for working capital and cannot be used for debt refinancing or business expansion.

You can apply online beginning on the day that your employee is called to active duty until one year after the employee completes his or her duty. To apply, you will need income tax returns from the past three years, personal financial statements and current business balance sheets. After you complete your application, an inspector sent by the SBA will assess any damage costs.

To qualify, the SBA must determine that you don’t have other non-government funding sources available. You must also demonstrate your creditworthiness and ability to repay. These loans require real estate collateral for amounts over $50,000 (if unavailable, you can put up other business assets). Interest rates are 4% with terms up to 30 years. The SBA will determine the loan amount, taking into consideration insurance benefits and other funding sources. While the maximum loan amount is $2 million, the SBA can offer larger amounts if the business is an important source of employment in its community.

Summary

  • 4% interest rate
  • Loans up to $2 million
  • Stricter eligibility requirements
  • Terms up to 30 years
  • Funding times vary (first come, first served)

Summary of Best Small Business Loans for Veterans

For quick comparison, we’ve summarized our findings on the best lenders and loan programs for veteran small business owners in the table below.





Veterans Affairs Small Business Loans – Grants, business loans for veterans.#Business #loans

Veterans Affairs Small Business Loans & Grants

  • 1 [Small Business Loan] | How Disabled Veterans Can Obtain an Small Business Loan
  • 2 [Business Grants] | Veteran-Owned Business Grants
  • 3 [Small Business Administration Grants] | Small Business Administration Grants
  • 4 [Help] | How to Get Help for Veterans to Start a Business

The VA does not give grants or make general business loans to veterans. Both the VA and the SBA have programs providing veterans with business assistance.

The U.S. Department of Veterans Affairs does not make general business loans to veterans. Although the Small Business Administration once offered the Patriot Express program for veterans, it expired in 2013. Neither the VA nor the SBA provides business-related individual cash grants to veterans. However, the federal government offers other kinds of business assistance to vets.

Government Assistance for Veterans

The government provides loan assistance to veterans and others related to special circumstances, such as the Military Reservist Economic Injury Disaster Loan program, which lends up to $2 million to eligible small businesses that have suffered economic injury because essential employees were called up for active military service.

The government has a portal, Grants.gov, that provides an overview of the kinds of government grants that are available.

Many nongovernmental websites purport to connect individuals with government grants. A few are legitimate, but many are not. The safest approach to learning about government grants – what they are, who is eligible and how to apply for them – is through the Grants.gov portal.

Government cash grants are generally limited to organizations, rather than individuals, and are targeted to accomplish specific government goals, such as the U.S. Department of Agriculture’s food programs for impoverished U.S. and foreign populations.

SBA Office of Veterans Business Development

One good place to start if you’re a vet looking for help starting or expanding your business is the SBA Office of Veterans Business Development, which serves as a portal to a number of SBA, VA and nongovernmental organization programs designed to help veterans, their dependents and survivors. These programs include training, business counseling and mentorship. From the OVBD home page, you can access such government programs and agencies as:

  • Boots to Business, which offers two different classroom courses to help you develop a business plan. Both the two-day and the eight-day course provide specific advice on getting your business started.

These are only three of the more than 30 agencies and programs available through the OVBD portal. Some are general programs that are available to all vets; others, like Dog Tag Bakery, are designed to help specific veteran groups.

Grants. gov

The best place to find out about federal, state and NGO grants that veterans can apply for is the Grants. gov website. Rather than actually providing grants, the website gives information about government grants in general – what they are designed to accomplish, for example – and gives descriptions and one-click access to various grant-giving agencies. While veterans may not receive government grants directly, they may benefit from grants to organizations that provide veterans and specific groups, such as disabled veterans, with various kinds of assistance.





Veterans Business Loans – Payday Loans Online, business loans for veterans.#Business #loans

business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans





Veterans Business Loans – Payday Loans Online, business loans for veterans.#Business #loans

business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans





Veterans Small Business Loans – Financing For Poor Credit, business loans for

business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans

Business loans for veterans





VA Loans – Small Business Loans for Veterans, business loans for veterans.#Business

VA Loans – Small Business Loans for Veterans

Business loans for veterans

VA loans, or in this case, Patriot Express Loans and Military Reservist Economic Injury Disaster Loans, are actually loan guarantees made available from the Small Business Administration (SBA) to veterans or soldiers or their wives or widows who are going off to serve in the military or who have returned from their military service. They are not actually loans from the VA or Veterans Administration.

The Small Business Administration has an Office of Veterans Affairs that oversees business loans to veterans. These are loans with an interest rate attached. They are not grants.

What Types of VA Business Loans are Available?

There are two types of VA loans available. First, there is the Patriot Express Pilot Loan Initiative. This program was set to expire in 2010 but was so successful that it was extended through 2013. The SBA also provides counseling and training to go along with this loan and the program has been very successful.

The second type of business loan is the Military Reservist Economic Injury Disaster Loan (MREIDL). This loan is to provide working capital to businesses that could have met their obligations and continued to meet their obligations had their principal owner not been called up for military service.

Who is Eligible for These VA Loans?

Veterans who received a dishonorable discharge are not eligible for the loan programs. If you are active duty personnel within 12 months of separation or a retiree within 24 months of retirement, you can qualify for the Patriot Express Loan Program. Reservists and National Guard are also eligible as well as wives or widows of service members.

What Types of Businesses are Eligible for These Loans?

The business must be owned at least 51% by a qualified veteran according to the definition above. Most businesses are eligible as long as the business is not a pyramid scheme, a gambling business, or a lending business. Also, the business must be a for-profit business. Non-profits are not eligible.

What can I use the Loan for?

The proceeds of a Patriot Loan can be used for most business purposes. Examples are infusing working capital into your business, start-up costs for a new business, purchasing equipment, purchasing real estate for your business to occupy, inventory to sell, business management, expansion of your business, setting up to sell goods and services to the government (contracting), setting up your business for the possibility of your deployment, and recovery from declared disasters such as hurricanes, tornadoes, and earthquakes.

How Much Money Can I Borrow?

The amount of money you can borrow depends, to some extent, on the lending institution you go through. The Patriot Loan Program will guarantee 85% of the amount borrowed up to $150,000 or less and 75% of the amount borrowed between $175,000 and $500,000.

How Does the Program Work

The Small Business Administration does not actually loan the money to veterans.

Lending institutions like banks or credit unions make the loans. The federal government guarantees your loan. If your loan is less than $25,000, you do not have to have collateral. If it is between $25,000 and $350,000, the lending institution can invoke its existing collateral policy.

Your interest rates will usually range from 2.25% to 4.75% over the current prime interest rate. You can always try to negotiate a lower interest rate.

If you need help finding a lender, the Small Business Administration has local offices in every state that can help you. Here is a list of their local offices.

Military Reservist Economic Injury Disaster Loan Program (MREIDL)

What is the Purpose of the MREIDL Loan?

When an essential employee is called up for active duty in the military, a business becomes eligible for a MREIDL loan.

The purpose of this loan is to provide for the business s necessary expenses that cannot be provided for because the essential employee is not present in the business. The purpose of this loan is not to replace lost profits. The purpose is just to pay obligations and replace working capital so the business can survive.

Before a MREIDL loan is granted by the Small Business Administration, federal law requires that they investigate whether or not the business has the resources to recover on their own after the essential employee returns. If not, then the business is eligible for the loan. The SBA has determined that about 90% of the businesses applying for this loan cannot recover on their own.

Loan Details

The interest rate on the MREIDL loan is 4 percent. The maximum term of the loan is 30 years, though that depends on individual circumstances as does the amount of the loan. The maximum amount of the MREIDL loan is usually $2 million, which can be waived, but that is heavily dependent on the amount of the economic injury to the business due to the call up of the essential employee.

Collateral is required if available as well as good credit. Business insurance, including flood insurance if indicated, is required for the life of the loan.

These loans can be just what military personnel and their spouses need. Start by contacting the Small Business Administration and they will set you on the right path for each type of loan.





Small Business Loans for Veterans #work #from #home #ideas

#veteran business loans

#

Small Business Loans for Veterans

Business Loans for Military Veterans and their Spouses

Many Armed Forces veterans choose to become entrepreneurs after exiting the military. 10 percent of small business owners in the United States are veterans of the Armed Forces, employing more than 115 million people, according to the 2010 census. However, like most of their civilian counterparts, many veterans are unable to get the proper financing their businesses need from traditional lenders, like banks, credit unions, or even the government. Having dutifully served our country, it’s time you get the service you and your business deserve.

Whether you’re a military veteran or the spouse of one, you have come to the right place if you are looking for small business loans for veterans. Partnering with National Funding delivers access to affordable and convenient working capital that can be used for a variety of business-related purposes. Whether you own a retail storefront, service business, e-commerce site, or virtually any type of business, we can help you to achieve both your short and long-term financial goals through our assortment of loans, equipment leasing programs. merchant advance options, and credit card processing services .

Get Started Today

Why Consider National Funding for Veteran Business Loans?

Here are a few of the key benefits to partnering with us to finance your veteran-owned business:

  • Reliability and reputation – We have served the small business community for over 15 years, and currently hold an A rating with the Better Business Bureau. We are proud of our 95% customer satisfaction rating, and our featured appearances in respected publications such as Forbes magazine. Over the years we have funded more than $1 billion in small business loans to companies in thousands of different industries across all 50 states.
  • High approval rates – We tend to say “yes” more often than not. Instead of putting yourself through the frustrating process of applying for a loan with a bank or credit union, partner with us and see how our customized alternative business financing solutions have helped tens of thousands of businesses since 1999. Since we underwrite our own loans, we are able to personalize each financing solution for the prospective business. This results in high approval rates – even for high-risk industries.
  • Quick and Easy Process – From start to finish, obtaining the small business capital you need takes only a matter of days. Unlike the drawn out process of qualifying for a business loan through a traditional lender, you’ll be able to apply online or over the phone with us in a matter of minutes. A rapid decision-making process and funding in as few as 24 hours will help you to start using your working capital almost immediately. We will match you with an account manager who has specific knowledge about your industry and will be able to thoroughly uncover your critical business needs.
  • Flexible terms – Unlike one-size-fits-all bank loans, we will custom tailor each financing solution to the business. From determining loan or lease sizes to crafting repayment terms that easily fit within your specific budget, you’ll feel comfortable with your small business loan for veterans. Whether you are looking for an equipment lease, merchant cash advance. or simply a loan to provide needed working capital, you’ll find exactly what you’re looking for – at the terms you need with National Funding.

Small business loans for veterans don’t have to be difficult to obtain. In fact, applying today with National Funding takes only minutes. To begin, simply complete the quick and easy online form. You’ll often receive a lending decision the same day you apply, which means you can begin immediately planning how you’ll use your chosen financial tool to grow your business. Upon receiving all of the required information, we can fund your veteran business loan in as little as 24 hours.

As a business owner, and a veteran, you know how challenging it can be to run your own business – especially if you have an immediate need for business financing. Contact the experts today at National Funding and see just how easy it is to acquire complete small business solutions with affordable and flexible terms.

Instant
Quote

Instantly calculate your personal quote for a working capital loan.

What Our Clients Are Saying

I want you to know, there were several companies I looked at, spoke with, and ultimately 2 that I applied with. I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account. At Ace Hardware, customer service is our number one asset. We strive every day to exceed our customer s expectations. When I receive that same level as a customer, it is greatly appreciated, so thank you.

I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account.

WE’RE IN A LEAGUE OF OUR OWN





BBB Institute for Marketplace Trust – Military and Veterans #business #search

#better business bureau

#

BBB Institute for Marketplace Trust – Military and Veterans

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

To get you started, here are three easy steps to help you commit to routine savings.

To get you started, here are three easy steps to help you commit to routine savings.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.





Veterans Health Administration #vha, #veterans #health #administration, #health #care,health #programs,veterans #health,health #care


#

Veterans Health Administration

Were you at Camp Lejeune between 1957 and 1987?

You may be eligible for VA health care. From the 1950s through the 1980s, people living or working at the U.S. Marine Corps Base Camp Lejeune, North Carolina, were potentially exposed to drinking water contaminated with industrial solvents, benzene, and other chemicals.

New health benefits

Under a law signed Aug. 6, 2012 (215 KB). Veterans and family members who served on active duty or resided at Camp Lejeune for 30 days or more between Jan. 1, 1957 and Dec. 31, 1987 may be eligible for medical care through VA for 15 health conditions.

Learn more about Camp Lejeune health benefits and which conditions are covered.

Flu Self Assessment

How do you know whether you have the flu? How do you know when it might be best to stay home, call a nurse advice line or your health care provider, or go for medical help?

ACCESS and QUALITY DATA

Wait times, satisfaction scores, and quality comparisons for VA health care facilities. Visit tool online at Access to Care

VA Access Audit

VA is already taking corrective action to address issues resulting from the audit. Read about the Access Audit

Affordable Care Act

Find out how the new health care law affects Veterans health care at VA. Read about the Affordable Care Act

Special Medical Advisory Group Progress Report

The Special Medical Advisory Group has released their 2016 Progress Report. Find out more here

Stories from Medical Centers


VA Loans – Eligibility, Benefits – How to Apply #veterans #affairs #business


#

VA Loans – Benefits, Eligibility Applying

VA Loans – Benefits, Eligibility Applying

In this article:

What Is a VA Loan?

A VA loan is a mortgage loan that s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. While the VA does not lend money for VA loans, it backs loans made by private lenders (banks, savings and loans, or mortgage companies) to veterans, active military personnel, and military spouses who qualify.

There are three types of VA loans: purchase loans, interest rate reduction refinance loans (or IRRRL, also referred to as a VA streamline refinance loan), and cash-out refinance loans. There are many benefits to a VA loan, but one of biggest benefits is that no down payment is needed to purchase a home. This can make home ownership a reality for active military or veterans who might otherwise not be able to afford it.

Who Is Eligible for VA Loans?

VA loans are designed for military personnel, veterans, and military families. The list of those who are eligible for this home-buying military benefit include:

  • Veterans
  • Active-duty personnel
  • Reserve members
  • National Guard members
  • Some surviving spouses

You must also have suitable credit, sufficient income, and a valid Certificate of Eligibility (COE). And you must use the home for your own personal occupancy. Still unsure if you re eligible? Check the Department of Veterans Affairs website for a detailed list of eligibility requirements for military service members, veterans, and military spouses.

Need help with your VA loan? Find a VA lender on Zillow

What Are the Benefits?

The VA loan program is offers some of the most attractive and flexible loans available, and they are exclusively for military personnel, veterans and their families. Perhaps the two biggest benefits that make these loan more affordable than a typical loan are that the borrower typically does not need to make a down payment, and there is no private mortgage insurance (PMI) requirement.

Here s a look at the complete list of benefits, as taken directly from the Veterans Affairs site:

  • No down payment required (unless required by the lender or the purchase price is more than the reasonable value of the property).
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.

How Can Veterans Military Personnel Get VA Loans?

Veterans, active military personnel, and military families can follow these steps to get a VA loan:

  1. Make sure you are eligible for a VA loan. Check the VA website for a detailed list of eligibility requirements for military service members, veterans, and military spouses.
  2. Find a lender that participates in the VA home loan program. You can find a VA lender in your area here .
  3. Get a Certificate of Eligibility from the VA to prove you are eligible for a VA loan. Learn how to get a Certificate of Eligibility here. Or, your lender can request one on your behalf.
  4. Apply for your VA loan. Your VA lender will work with you to complete the steps needed to finance your home.

How Big of a VA Loan Can Veterans Military Personnel Get?

According to the VA there is no maximum that an eligible veteran may borrow using a VA-guaranteed loan. However, there are county limits that must be used to calculate the VA s maximum guaranty amount for a particular county. In other words, there s no limit to how much you can spend on your new home with a VA loan, but the VA has limits on how much liability it will assume, which can affect the amount of money your lender will let you borrow.

Generally, eligible veterans or military personnel can get loans up to $417,000 with no money down. But that number can be much higher in certain counties that have a higher cost of living. Review the list of county limits for VA loans here .

How to Find a VA Lender

There are many ways for veterans and military personnel to find a VA lender, such as getting recommendations from friends, or searching on the VA website. And just like conventional loans, it can pay to shop around and talk to several different lenders.

Zillow helps make it easy to find a VA lender in your area. Use this link to answer a few questions about the home you want to buy, and you ll find a VA lender in minutes. You can also shop for live, custom VA loan mortgage quotes anonymously on Zillow, and then contact the lenders whose quotes you are interested in. Be sure to check the Military/Veteran? box so that VA loans will come up in your search results.


Institutions of Higher Learning Undergraduate and Graduate Degrees – Education and Training


#

Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

Education and Training

Institutions of Higher Learning Undergraduate and Graduate Degrees

Most VA education and training benefits may be used at institutions of higher learning, including four-year universities, community colleges, and entities offering advanced degrees.

Payments are based on the number of classes you attend. For example, a college considers:

  • 12 hours or more full time
  • 9 11 hours three-quarter time
  • 6 8 hours half time
  • Less than six hours as reimbursable at a rate not to exceed the tuition and fees charged for the course or courses

For graduate-level training, the training time is determined by the college. For example, if a two- hour class is considered full time in a graduate program at your school, VA will pay you the full-time rate.

Degree-granting institutions of higher learning participating in the Post-9/11 GI Bill Yellow Ribbon Program agree to make additional funds available for your education program without an additional charge to your GI Bill entitlement. Get more information in the Yellow Ribbon Program pamphlet or go online to the Yellow Ribbon Program page.

The GI Bill will allow you to attend more than one college at a time, as long as the classes at both institutions count toward your degree, and the school granting your degree accepts the classes at the second school as part of your requirements. However, the GI Bill will not pay you to take the same classes twice, unless you receive a failing grade in a class that is a graduation requirement.

The GI Bill can pay you for more than one degree. For example, it will pay you for a degree in Business and then for a second degree in Computer Science, or for an associates, bachelors, or masters degree in the same field. Once you have a degree, you could pursue another one, provided you have remaining entitlement on your GI Bill.

Payments are issued monthly in arrears. For example, you receive the November payment in December. For the Post-9/11 GI Bill, the tuition and fees are paid directly to the school, the book stipend is paid to you at the beginning of the term, and the housing allowance is paid to you at the end of each month.


BBB Institute for Marketplace Trust – Military and Veterans #bakery #business #plan

#better business bureau

#

BBB Institute for Marketplace Trust – Military and Veterans

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

To get you started, here are three easy steps to help you commit to routine savings.

To get you started, here are three easy steps to help you commit to routine savings.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.





Community College of Vermont – Acalog ACMS™ #community #college #of #vermont, #ccv,


#

Catalog 2014-2015

Welcome

CCV offers associate degree programs leading to Associate of Arts (A.A.), Associate of Science (A.S.) and Associate of Applied Science (A.A.S.). We also offer certificates . Our degree and certificate programs provide the knowledge you need for employment or further study at the bachelor s level.

Whatever your interests and goals, we ll have a program to match it you choose the path.

You don t have to enroll in a degree program to join CCV s learning community. As a Continuing Education student at CCV, you can choose from hundreds of courses offered in your local CCV community and online to sharpen your skills or explore subjects of interest.

How to use this catalog:

Use the left-hand menu to find the topic you are interested in, or use the search box at the top left to do a catalog-specific search .

Associate Degrees provides an overview of all CCV degree offerings. From here you can also drill down into a program of your choice to review program goals and requirements, occupational outlook, etc.

Planning Your Associate Degree gives you a general overview of completion requirements for an associate degree, and provides an example of a typical course sequence.

Certificates provides a listing of available certificates.

Courses lets you search all courses, or browse through an alphabetical list.

My Favorites allows you to save programs and courses of interest.

Save Catalog InfoIn My Favorites

Record and track your favorite degrees, certificates, and courses. Click on the My Favorites link on the left hand navigation, create an account with an email address and a password of your choice, and then start adding information while browsing the catalog.

While you browse the catalog, you will see an Add to Portfolio link. Click on the link to save the item in your portfolio. It s that easy!

Return later and start where you left off. You can also share your saved items with your friends, family, faculty and advisors.

2007 – 2013 Catalogs:

Select Catalog 2013-2014 [Archived] from the drop-down menu at the top of this page.

Select Catalog 2012-2013 [Archived] from the drop-down menu at the top of this page.

Previous versions as PDF:

Archived Special Programs
Health Information Technology (PDF)

The CCV Catalog is for informational purposes only and does not constitute a contract. While every effort is made to ensure the accuracy of the information provided, CCV reserves the right to make changes at any time without prior notice. Changes may occur in all areas, including course offerings, faculty, schedules, degree requirements, policies, fees, and related matters. It is the student s responsibility to determine if any changes have been made in the Catalog. The Schedule. which describes course offerings, locations and schedules for all CCV academic centers, is published each semester and is available at all CCV offices.


Charlotte CBOC – W #charlotte, #veterans #affairs, #vamc, #medical #center, #north #carolina,


#

W. G. (Bill) Hefner VA Medical Center – Salisbury, NC

Charlotte Community Based Outpatient Clinic

The address of the Clinic is:

8601 University East Drive, Charlotte, NC 28213

Primary care services for veterans in the Charlotte metro area.
Behavioral Health services including individual, group and family counseling.
Handicapped Accessible: full and easy access for all veterans.
Personal Care: Highly qualified primary care providers.
Laboratory: Blood drawing services available.
My Healthe Vet kiosks are conveniently located in the clinic.

Primary Care, Lab, Imaging and Pharmacy:

Monday, Wednesday Friday: 8 a.m. 4 p.m.
Tuesday: 7 a.m. 5:30 p.m.

Monday through Friday: 7 a.m. to 5:30 p.m.

Take Exit 45A, Harris Blvd East. (Rt 24/27).
Merge onto WT Harris Blvd East for approximately 2.6 miles.
Immediately after you drive past Old Concord Road exit, move into the RIGHT lane.
The next Right is the entrance lane to University East Drive.
Turn Right onto University East Drive.
Proceed 0.2 miles on this road. Do NOT make any turns. Drive PAST the Hartford Insurance Group traveling toward the end of the road.
The Charlotte Outpatient Clinic is on the right.

From I-77 North or South :

Take Exit 18 onto WT Harris Blvd.
If coming from North, make a left onto East Harris Blvd.
If coming from South, make a right onto East Harris Blvd.
Proceed on East Harris Blvd for approximately 8.8 miles.
You will proceed past the intersection of I-85 and Hwy 29.
Immediately after you drive East Old Concord Road Exit, move into the RIGHT lane.
The next RIGHT is the entrance to University East Drive.
Turn RIGHT onto University East Drive.
Proceed 0.2 miles on this road. Do NOT make any turns.
Drive past the Hartford Insurance Group, traveling toward the end of the road.
The Charlotte Outpatient is on the right.

Continue down East WT Harris Blvd to the second entrance into this complex.
Turn right at Back Creek Drive.
If you have driven to the traffic light at Rock River Road, you have gone too far.
Turn back and proceed approximately 0.25 miles where Back Creek Drive ends at University East Drive.
Turn Left, proceeding on University East Drive until you see the Charlotte Outpatient Clinic on the right.

From Matthews, Mint Hill, Pineville and points South:

There are several routes that can be taken.

I-485 will loop around to I-77 and I-85. Follow the directions noted above.
If you are traveling on Independence Blvd (Rt 74):
From Independence Blvd get onto East WT Harris Blvd.
Proceed on East WT Harris Blvd.
At the traffic light at the intersection of Rocky River Road and East WT Harris Blvd, continue on East WT Harris Blvd.
Move into the LEFT lane to position yourself to cross over East WT Harris Blvd onto Back Creek Drive.
Proceed approximately 0.25 miles where Back Creek Drive ends at University East Drive.
Turn LEFT, and proceed on University East Drive until you see the Charlotte Outpatient Clinic on the right.

If you miss the above turn into Back Creek Drive:

continue on East WT Harris Blvd to the second entrance into this complex
From the left lane, cross over East WT Harris Blvd and turn left onto University East Drive.
Proceed 0.2 miles on this road. Do NOT make any turns.
Drive PAST the Hartford Insurance Group, until you see the Charlotte Outpatient clinic on the right.

Free on premises.


BBB Institute for Marketplace Trust – Military and Veterans #real #estate #business

#better business bureau

#

BBB Institute for Marketplace Trust – Military and Veterans

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

Check our list of helpful sites when you have a question and need a place to start looking for the answer.

To get you started, here are three easy steps to help you commit to routine savings.

To get you started, here are three easy steps to help you commit to routine savings.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

“A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.





Veterans Affairs #veterans #going #to #college


#

Veterans Affairs

MISSION

To lead in the educational achievements of military veterans and those military-affiliated student populations � to continue to engage in mentorship and professional development of those who have and continue to serve and sacrifice for liberty and freedom.

To become a model of excellence with regard to providing best in class access to post-secondary education by embracing the spirit and intent of true advocacy on the part of the military-affiliated and traditionally under-served student populations.

On the Spot Certification Dates

LSC-North Harris 8/14/2017 Student Services Building: Room 201 CAST Lab

LSC-Kingwood 8/15/2017 Performing Arts Building: Room 201

LSC-Montgomery 8/16/2017 Building C: Room C106

LSC-University Park 8/17/2017 Building 13: Room 256

LSC-Tomball 8/21/2017 East Building: Room 258

LSC-CyFair 8/22/2017 CASA Building: Room 222

Also remember in order to be eligible for a B14, students must meet the following criteria:

  1. Utilizing Chapters 33, 31, Hazlewood*, or Tuition Assistance
  2. Submitted a Request for Certification by the appropriate semester deadline
  3. Not have an outstanding balance from a prior term
  4. Submit Request for Certification by the Following dates:
  • Fall- August 15th
  • Winter Mini – 5th
  • If you do not have your request in by the above dates you will need to contact the Business Office to set up a payment arrangement in order to not be dropped from your classes.

*PLEASE NOTE: Hazlewood students must follow the deadline above as well as submit all required documents no later than one week prior to the end of the term.

Work Study Positions Available

Follow the 6-step process to apply for admission and register for classes as a veteran at Lone Star College.

Assisting you with your education benefits is our top priority. Service members and veterans of the Armed Forces have some options when selecting education entitlements. Please speak to an advisor today to learn more about GI Bill opportunities.

Find forms available online for new/transfer students, military branch forms and enrollment forms including:

VetSuccess on Campus

The VetSuccess on Campus program is a collaborative effort between the Lone Star College and the Department of Veterans Affairs (VA) with the purpose of providing a supportive on-campus environment for student veterans. For more information, contact Seketha Cook. 713-515-1608.

Lone Star College provides a variety of resources on campus including the following:

Do you need assistance with something else that is not listed above? If so, visit our Community Resources page.

Campus Veteran Liaisons

Students using GI Bill benefits must meet with their Campus Veteran Liaison prior to enrolling into classes to ensure eligibility requirements.


Military and Veteran Benefits, News, Veteran Jobs #air #force,armed #forces,army,coast #guard,marines,military #spouse,national


#

Military.com

Air Force Announces Who’s Eligible for New ‘R’ Device

  • Trump Signs VA Accountability Act, Gives Pen to Double-Amputee

  • Marines Prepare to Do ‘Impossible’ With Ship-Launched Combat Drone

  • MiG-35, Russia’s New 4th-Gen Light Fighter, Readies for Combat

  • Sound Off: Why Did Russia Doctor This Military.com Video?

  • Success After Service: Veterans Helping Veterans with Transition

  • Smithsonian Channel Presents the Battle of Okinawa in Color

  • Military Caregiver Courses Help Spouses at Home

    • Military.com Mobile Apps

      Stay Informed on the Latest Military Headlines

    • Calculate BAH, Active Duty & Drill Pay

    • Separating soon? Our Transition App is Here!

    • Military Resources

      Military Headlines

      Dismissal of Bid Protest Clears Way for New Army Sidearm Stars and Stripes | by Wyatt Olson

    • Ex-Wife Can’t Explain Why Shiloh Sailor Hid, Triggering Search Military.com | by Richard Sisk

    • Military Chiefs Seek Transgender Enlistment Delay Associated Press | by Lolita C. Baldor

    • Air Force Thunderbird Jet Flips on Runway at Ohio Air Show Associated Press

    • Navy Names Lead Investigator in USS Fitzgerald Collision Stars and Stripes | by Tyler Hlavac

    • US Releases Photos of ‘Unsafe’ Russian Jet Intercept Associated Press

    • Putin May Have Fooled Director Oliver Stone with Fake Video Fox News | by Amy Kellogg

    • Court: Sailors Can Sue in US Over Japanese Nuclear Disaster Associated Press

    • Russia Fires Missiles from Mediterranean at ISIS in Syria Associated Press | by Nataliya Vasilyeva

    • Air Force to Congress: No ‘Space Corps’ Military.com | by Oriana Pawlyk

    • US Overspent by Up to $28 Million on Afghan Army Uniforms: IG Military.com | by Richard Sisk

    • Air Force to Roll Out New Battlefield Airmen Incentive Pay Military.com | by Oriana Pawlyk

    • More Countries May Buy V-22 Osprey as Japan, US Navy Get Aircraft Military.com | by Hope Hodge Seck

    • Dugway Under Scrutiny Again Over Handling of Deadly Toxins Military.com | by Richard Sisk

    • Canadian Sniper Reportedly Shot ISIS Fighter From Over 2 Miles Away Business Insider | by Paul Szoldra

    Service News

    Army Tanks Slowly Going Green in Europe

  • Add Another Building Block to the John F. Kennedy Carrier

  • USS Fitzgerald Sailor Sacrificed Himself to Save Lives after the Crash

  • MV-22 Ospreys Could Be Next to Get F-35’s Precision Landing System

  • Indiana Navy Veteran Held in 1985 Hijacking Dies

  • Nevada Guard Sergeant Embraces DoD Transgender Policy

    • Military Life

      VA Standardizing Caregiver Plan Before Opening to Older Vets

    • Medal of Honor Recipient A Hero to Generations of Students Military.com | by Sean Mclain Brown

    • Soldier Who Lost 4 Limbs Opening Retreat to Help Others Associated Press | by David Sharp

    • 3 Top Tips on Handling Resume Keyword Filters Military.com

    • Opinions

      Terrorism Is on the Rise in Southeast Asia Military.com | by Sen. Joni Ernst

    • The Most Talked About Stories This Week Military.com | by Brendan McGarry

    • North Korea’s Nuclear Program: Are We Heading for a Showdown? Military.com | by Joseph V. Micallef


    Personal Injury Little Rock #michael #smith #attorney #at #law, #auto #accident #attorney,


    #

    The first consultation with me is free and I make it a point to offer you information you are able to use right away. This isn t about trying to withhold things so you will hire me. It s about integrity and serving those who need my expertise the most. I realize your case deserves personal attention, and that is precisely what you will get when you speak to me.

    I have been consistently listed in the Mid-South edition of Super Lawyers.

    Fill This Out For Your Free Consultation

    Thank you for contacting us.
    We will get back to you as soon as possible

    Oops, there was an error sending your message.
    Please try again later

    PRACTICE AREAS INCLUDE:

    • DEFECTIVE PRODUCTS ( TALC POWDER, IVC FILTERS, ASBESTOS, ROUNDUP, METAL HIPS,AND MANY OTHERS)
    • BAD DRUGS ( BENICAR, XARELTO, ZOFRAN, INVOKANA, AND MANY OTHERS)
    • AUTO WRECKS INVOLVING COMMERICAL VEHICLES
    • NURSING HOME ABUSE AND NEGLECT
    • INJURY AND DEATH CLAIMS AGAINST THE FEDERAL GOVERNMENT

    Now Accepting Cases Where a Woman has used Johnson Johnson Baby Powder for Feminine Hygiene and Developed Ovarian Cancer

    • JOHNSON’S Baby Powder
    • SHOWER to SHOWER Absorbent Body Powder
    • And all other talcum powder products.

    Johnson s Baby Powder, one of the most popular products containing talcum powder, may increase the risk of ovarian cancer when used for feminine hygiene. Hundreds of lawsuits and class actions have already been filed, including one case that ended in a $72 million jury award in February 2016, and another which resulted in a $ 55 million verdict in April 2016.

    Talc is a mineral that is Known to embed itself into cells and is found within cancerous tumors.

    Personal Injury in Little Rock


    Donate A Car Veterans #donate #your #car #to #veterans


    #

    Donate A Car Veterans

    on October 13, 2016

    Car Donations Rochester NY Vietnam Veterans of America Chapter 20 Vehicle Donations Rochester, New York.

    The American Legion is the nation’s largest wartime veterans service organization aimed at advocating patriotism across the U.S. through diverse programs and …

    Donations to Paralyzed Veterans of America support life-changing programs that empower our disabled Wheels Helping Warriors Vehicle Donation Program.

    Please call our toll free number at 1-800-Help-Vets (435-7838) or you may donate online by using our online car donation form.

    In all situations, Paralyzed Veterans of America s Wheels Helping Warriors Vehicle Donation program is a perfect outlet for your generosity. It s easy to donate.

    Donate A Boat For Tax Deduction Make A Wish Car Donation Review Maximum Tax Deduction Charitable Donation Did you donate money other goods to a charity or church this past year? Find out how tax deductions for charitable contributions work, and save on taxes. Donate Your Car To Charity Albuquerque U-Pull- -Pay buys new, used, and junk cars. If you would

    Vetmade Vehicle Donation Program collects and donates cars to disabled U.S. veterans. Donors residing in California s Los Angeles and Orange counties may

    Veterans Find Hope and Healing Through Creative Arts. This year, the American Legion Auxiliary will partner with the VA for the 16th consecutive year to co-present

    America s Worst Charities Tampa Bay Times – America s worst charities Our ranking based on cash paid to solicitors in the past decade


    Contact Us – Life Insurance #va, #veterans #affairs, #ebenefits, #vba, #veterans #benefits


    #

    Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

    Life Insurance

    Please select the appropriate link to contact VA life insurance:

    Office of Servicemembers’ Group Life Insurance

    Contact the Office of Servicemembers’ Group Life Insurance (OSGLI) if you have questions about Servicemembers’ or Veterans’ Group Life Insurance.

    Toll-free telephone: 1-800-419-1473

    Toll-free fax numbers:
    Death and accelerated benefits claims only:
    1-877-832-4943
    All other fax inquiries:
    1-800-236-6142

    General Correspondence:
    Office of Servicemembers’ Group Life Insurance
    PO Box 41618
    Philadelphia, PA 19176-9913

    New VGLI Applications and VGLI Reinstatements:
    OSGLI
    PO Box 41618
    Philadelphia, PA 19176-9913

    TSGLI Points of Contact List by Branch of Service

    Contact the appropriate military service POC if you have questions about Servicemembers’ Group Life Insurance Traumatic Injury (TSGLI) insurance.

    Branch of Service

    S-DVI and Other VA Life Insurance

    Contact the VA Life Insurance Center if you have questions about Service Disabled Veterans Insurance or a policy number that begins with a V, RH, J, RS, K or W:

    Toll-free telephone: 1-800-669-8477 (8:00 AM to 6:00 PM ET)

    Toll-free fax numbers:
    Death claims only:
    1-888-748-5822
    All other fax inquiries:
    1-888-748-5828

    General Correspondence:
    Department of Veterans Affairs Insurance Center
    PO Box 42954
    Philadelphia, PA 19101

    Death Claims, Waiver of Premium Applications, VMLI Claims:
    Department of Veterans Affairs Insurance Center
    PO Box 7208
    Philadelphia, PA 19101

    Loans and Cash Surrenders:
    Department of Veterans Affairs Insurance Center
    PO Box 7327
    Philadelphia, PA 19101

    Premium and Loan/Lien Payments:
    US Department of Veterans Affairs
    VA Life Insurance Center
    P.O. Box 105535
    Atlanta, GA 30348-5535

    File a new Beneficiary Designation:
    Department of Veterans Affairs Insurance Center
    PO Box 8638
    Philadelphia, PA 19101

    CONNECT

    EMAIL UPDATES

    VA HOME

    QUICK LIST

    RESOURCES

    ADMINISTRATION

    U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420

    Last updated January 22, 2016


    Thank You for Your Service – 4 Business Funding Programs for Veterans

    #business loans for veterans

    #

    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.





    BBB Institute for Marketplace Trust – Military and Veterans #daily #stock #market

    #better business bureau

    #

    BBB Institute for Marketplace Trust – Military and Veterans

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    To get you started, here are three easy steps to help you commit to routine savings.

    To get you started, here are three easy steps to help you commit to routine savings.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.





    Thank You for Your Service – 4 Business Funding Programs for Veterans

    #business loans for veterans

    #

    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.





    Small Business Loans for Veterans #secured #business #loans

    #veteran business loans

    #

    Small Business Loans for Veterans

    Business Loans for Military Veterans and their Spouses

    Many Armed Forces veterans choose to become entrepreneurs after exiting the military. 10 percent of small business owners in the United States are veterans of the Armed Forces, employing more than 115 million people, according to the 2010 census. However, like most of their civilian counterparts, many veterans are unable to get the proper financing their businesses need from traditional lenders, like banks, credit unions, or even the government. Having dutifully served our country, it’s time you get the service you and your business deserve.

    Whether you’re a military veteran or the spouse of one, you have come to the right place if you are looking for small business loans for veterans. Partnering with National Funding delivers access to affordable and convenient working capital that can be used for a variety of business-related purposes. Whether you own a retail storefront, service business, e-commerce site, or virtually any type of business, we can help you to achieve both your short and long-term financial goals through our assortment of loans, equipment leasing programs. merchant advance options, and credit card processing services .

    Get Started Today

    Why Consider National Funding for Veteran Business Loans?

    Here are a few of the key benefits to partnering with us to finance your veteran-owned business:

    • Reliability and reputation – We have served the small business community for over 15 years, and currently hold an A rating with the Better Business Bureau. We are proud of our 95% customer satisfaction rating, and our featured appearances in respected publications such as Forbes magazine. Over the years we have funded more than $1 billion in small business loans to companies in thousands of different industries across all 50 states.
    • High approval rates – We tend to say “yes” more often than not. Instead of putting yourself through the frustrating process of applying for a loan with a bank or credit union, partner with us and see how our customized alternative business financing solutions have helped tens of thousands of businesses since 1999. Since we underwrite our own loans, we are able to personalize each financing solution for the prospective business. This results in high approval rates – even for high-risk industries.
    • Quick and Easy Process – From start to finish, obtaining the small business capital you need takes only a matter of days. Unlike the drawn out process of qualifying for a business loan through a traditional lender, you’ll be able to apply online or over the phone with us in a matter of minutes. A rapid decision-making process and funding in as few as 24 hours will help you to start using your working capital almost immediately. We will match you with an account manager who has specific knowledge about your industry and will be able to thoroughly uncover your critical business needs.
    • Flexible terms – Unlike one-size-fits-all bank loans, we will custom tailor each financing solution to the business. From determining loan or lease sizes to crafting repayment terms that easily fit within your specific budget, you’ll feel comfortable with your small business loan for veterans. Whether you are looking for an equipment lease, merchant cash advance. or simply a loan to provide needed working capital, you’ll find exactly what you’re looking for – at the terms you need with National Funding.

    Small business loans for veterans don’t have to be difficult to obtain. In fact, applying today with National Funding takes only minutes. To begin, simply complete the quick and easy online form. You’ll often receive a lending decision the same day you apply, which means you can begin immediately planning how you’ll use your chosen financial tool to grow your business. Upon receiving all of the required information, we can fund your veteran business loan in as little as 24 hours.

    As a business owner, and a veteran, you know how challenging it can be to run your own business – especially if you have an immediate need for business financing. Contact the experts today at National Funding and see just how easy it is to acquire complete small business solutions with affordable and flexible terms.

    Instant
    Quote

    Instantly calculate your personal quote for a working capital loan.

    What Our Clients Are Saying

    I want you to know, there were several companies I looked at, spoke with, and ultimately 2 that I applied with. I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account. At Ace Hardware, customer service is our number one asset. We strive every day to exceed our customer s expectations. When I receive that same level as a customer, it is greatly appreciated, so thank you.

    I chose National Funding for only one reason You were more concerned with what was right for my business, and much less concerned with landing my account.

    WE’RE IN A LEAGUE OF OUR OWN





    Thank You for Your Service – 4 Business Funding Programs for Veterans

    #business loans for veterans

    #

    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.





    BBB Institute for Marketplace Trust – Military and Veterans #weekend #business #ideas

    #better business bureau

    #

    BBB Institute for Marketplace Trust – Military and Veterans

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    To get you started, here are three easy steps to help you commit to routine savings.

    To get you started, here are three easy steps to help you commit to routine savings.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.





    Best Small-Business Loans for Veterans 2016 #names #for #businesses

    #business loans for veterans

    #

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Credit Cards

    Banking

    Investing

    Mortgages

    Loans

    Insurance

    Best Small-Business Loans for Veterans 2016

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    Finding a small-business loan is a tough task for any entrepreneur. Bad credit, a lack of collateral and limited business history are all obstacles that small businesses may face. Funding can be an even bigger challenge for U.S. military veterans, whose financial history may have gaps because of their time in active service.

    Despite these challenges, many veterans decide to become their own boss after serving their country. About 1 in 7 veterans is self-employed or a small-business owner, according to the Institute for Veterans and Military Families at Syracuse University.

    To help overcome the financing hurdle, we’ve rounded up some of the best small-business loan options for veterans based on personal credit score:

    Small-business loans for veterans if you have a 500+ personal credit score

    For startups and younger small businesses, lenders typically base lending decisions on the owner’s personal credit. This could be an issue for veterans who did not get a chance to build their credit during military service.

    If your credit is lacking, Kabbage offers a line of credit that does not require a minimum credit score to qualify. You will need, however, at least $50,000 in annual revenue. If your credit score is 500 or higher and your business generates at least $100,000 in annual revenue, you could get a less expensive loan with OnDeck. The lender offers an APR starting at 9%, up to 98%, compared with Kabbage’s 32% to 108%.

    Small-business loans for veterans if you have a 600+ personal credit score

    For companies with at least one year in business and low revenue starting at $25,000 StreetShares is a good choice, with APR starting at 9%.

    If your business is generating at least $150,000 annually, you will get a greater range of financing products with Dealstruck, which offers term loans, an inventory line of credit and an asset-based line of credit. Also, Dealstruck could be a cheaper financing option, with APRs from 10% to 28%, while StreetShares’ APR maxes out at 40%.

    Before you apply for a StreetShares loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score.
    • 1+ year in business.
    • $25,000+ in annual revenue.*
    • No bankruptcies in the past three years.
    • No current tax liens or collections (unless you have proper documentation).

    You only need 6 months in business if you have $100,000+ in revenue.
    StreetShares is currently unavailable to borrowers in North Dakota or South Dakota.

    Before you apply for a Dealstruck loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score.
    • 1+ year in business.
    • $150,000+ in annual revenue.
    • Breaking even or profitable.
    • Personal guarantee and a lien on business assets required.

    Looking to expand? SmartBiz has the lowest borrowing costs among online lenders. The lender provides SBA loans with 7% to 8% APR for businesses with strong finances. With a repayment term of 10 years, SmartBiz is a good choice for purchasing real estate or equipment, refinancing high-interest debt or acquiring another business. Qualifying can be tough, however, since you have to meet the SBA’s stringent requirements (including about a dozen required documents). Lending Club is a good option for expansion capital if you don’t qualify for SmartBiz. You need at least $75,000 in annual revenue to qualify. The company offers competitive rates (8% to 32% APR) and repayment terms of one to five years.

    Before you apply for a SmartBiz loan, find out whether you meet the lender s minimum qualifications.

    • 600+ personal credit score.
    • 2+ years in business.
    • $50,000+ in annual revenue.
    • Personal guarantee required.
    • No outstanding tax liens.
    • No bankruptcies or foreclosures in last three years.
    • No recent charge-offs or settlements.
    • Must be current on government-related loans.

    You may also like

    Lender reviews

    See how different lenders stack up in NerdWallet’s expert reviews

    We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

    2016 NerdWallet, Inc. All Rights Reserved

    Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

    Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools, blog content and editorial reviews are based on objective analysis. For more information, please see our Advertiser Disclosure .





    Thank You for Your Service – 4 Business Funding Programs for Veterans

    #business loans for veterans

    #

    Thank You for Your Service – 4 Business Funding Programs for Veterans

    September 24, 2014

    There are more than 2.4 million businesses operated by veterans nationwide, according to the SBA 2012 Veterans Report. Despite this growing trend towards entrepreneurship, funding options that specifically benefit veterans are difficult to find. Here are four unique funding programs if you are a veteran starting or expanding your business.

    1. Self-employment grants for service-disabled veterans. Service-disabled veterans can connect with a self-employment program offered through the Veterans Administration.

    Participants are required to submit a feasible and complete business plan for any funding considerations. As part of the process, veterans are assigned to either Category I or Category II. Those categories determine the level of self-employment funding may be available.

    Veterans designated Category I have the most serve service-connected disabilities and self-employment is considered a viable option. Category II is designated for veterans with serious employment challenges but not considered severe.

    Depending on the category, veterans can obtain a grant to fund purchase of equipment, inventory, supplies, training, licensing fees and marketing. Veterans interested in the program can contact their local VA office where a counselor will help them qualify for the self-employment program. Funds allocated for start-up enterprises are grants that do not have to repaid.

    2. Angel investment group supporting veterans. Hivers and Strivers is an angel investment group funding early-stage investments in start-up companies founded and run by graduates of the U.S. military academies. The company generally invests $250,000 to $1 million in a single round.

    A company seeking larger rounds can actively look to other investor groups in the Hivers and Strivers network for additional funds. Their goal is to support veteran entrepreneurs through a successful exit with a return 10 times the initial investment. Veterans can learn more about Hivers and Strivers and complete an application available on the front page of the company website.

    3.Venture capital fund serving veterans. The Veterans Opportunity Fund (VOF) is the first venture capital fund formed to invest in businesses that are started, owned and/or managed by veterans of the United States armed forces. The investments range up to $3 million.

    The fund focuses on companies based on the East Coast. The industries of interest include technology, healthcare, business services,and specialty manufacturing. The stage of interest is at early revenue or after a product or service can be evaluated.

    Veterans interested in pursuing an opportunity with VOF can submit a business plan directly through the company website.

    4. Online lending platform for veterans. Street Shares is an online lending platform designed to connect investors and small business owners to support veterans starting or expanding their business. Veteran-owned businesses can apply online in about 10 minutes.

    The online auction periods have ranged from five to 30 days. Business owners pitch directly to lenders for loans of $5,000 to $50,000 with one, three, of five-year terms. Accredited investors can fund any portion of up to 90 percent of the requested loan amount with bids as low as $25 per business. StreetShares takes the first 10 percent. Co-founder Mark Rockefeller describes the platform as Shark Tank meets eBay.

    While each of these programs follows standard due diligence in their funding, their social-driven goals include increasing the number of veteran-owned businesses nationwide.





    BBB Institute for Marketplace Trust – Military and Veterans #business #website #templates

    #better business bureau

    #

    BBB Institute for Marketplace Trust – Military and Veterans

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Since 2004, BBB Military Line has provided free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 102 BBBs across the U.S.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Brought to you by the Better Business Bureau Institute and made possible by a grant from American Express, MobileMi$$ion is a new mobile app designed specifically for transitioning servicemembers, veterans, and their families to help them navigate their finances during the transition from active duty to civilian life. This app gives you access to learning activities and a personalized mentor that you can access on any connected Android device. The mobile experience allows you to.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Military personnel who have trouble handling their personal finances can very quickly find their duty status, potential promotions and even military careers in jeopardy.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    Rosemary Freitas Williams,Deputy Assistant Secretary of Defense for Military Community and Family Policy Whether you’re a newbie recruit or an old salt, managing your money takes some time and attention. Despite the regular paycheck, it doesn’t happen on its own. Forgive the pun, but the effort will pay off.As a service member, there’s basic pay, travel pay, hazardous duty pay, cost-of-living allowances and much more. Then there are deductions, bills, rent or mortgage payments, and somehow ma.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    The men and women serving in the United States military have unique banking needs; they might travel for work, live overseas, move frequently or work unpredictable hours. Their financial circumstances change when they get deployed and everyday transactions can become much more complicated.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    Check our list of helpful sites when you have a question and need a place to start looking for the answer.

    To get you started, here are three easy steps to help you commit to routine savings.

    To get you started, here are three easy steps to help you commit to routine savings.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    The biggest practical question of service members transitioning from the military is “how much money do I need to make to maintain my quality of life?” This is hard to calculate, because the military payment structure provides relatively low salaries–at least for junior enlisted and officers–and high allowances, which are tax-free.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Bank of America, Wells Fargo and Citigroup will seek out servicemen and women who could benefit from new federal rules to help them lower mortgage payments.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    Click for a list of ten suggestions that may help military personnel – and any investor – make better investments and avoid fraud.

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    “A service member has a steady paycheck guaranteed by the U.S. government,” says Carol Kando-Pineda, an FTC lawyer who manages the agency’s outreach to the military. “That’s manna from heaven for scam artists. If they can convince them to part with it, that’s guaranteed money.”

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    Last semester, Sam Alix made the dean’s list for the first time in his college career. The 47-year-old disabled Air Force veteran attributes his success to the Center of Excellence for Veteran Student Success at San Jacinto College, where he’s pursuing an associate degree in mental health counseling.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    NewDay deceived consumers about a veterans’ organization’s endorsement of NewDay products and participated in a scheme to pay kickbacks for customer referrals.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line encourages Soldiers (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Navy’s Fleet and Family Support Program (FFSP) services, encourages Navy personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the USAF Airmen and Family Readiness Centers (AFRCs), encourages Air Force personnel (including Reservists and National Guard), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, in partnership with the Marine Corps Personal Family Readiness Division, encourages Marine Corps personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.

    BBB Military Line, a Coast Guard Qualified Organization, encourages Coast Guard personnel (including Reservists), retirees, veterans, and their family members to use the free consumer services and materials offered by BBB, as well as to partner with their local BBBs.