The M5 Loan™ is a military only variant of the SBA 7A EXPRESS LOAN Founded by a Veteran for Veterans, Active Military or their Spouses

Requirements to qualify for an M5 Loan®

M5 Loan®

-Military Status

   Verification of military status (i.e., DD-214 or current LES)


  Outstanding credit card debt (not to exceed $15,000)


  Credit score must by 685 or higher


  Start-ups and new businesses in operation less than 2 years require minimum cashcontribution of 10% of the loan amount from      non-borrowed sources


  Personal liquidity of $20,000 (includes cash, savings, IRA, etc) or 15% of the loan

-No Bankruptcy, Judgments or Tax Liens


-No 912 Issues

   No arrests


-Use of Funds:

    Business acquisition, startup, equipment, debt refinance, working capital, inventory, tenant improvement, partner buyout


   Most industries qualify, no non-profits

-Loan Types:

   Term loans or lines of credit

-Interest Rate:

  Adjustable or fixed rates available based on WSJ Prime Rate %2.75


  10 years-Business acquisition, equipment, tenant improvement 7 years-Working capital, inventory Up to 10 years-Debt refinance


  Fully amortized, no balloon payments

-Prepayment Penalty:



  Any available collateral

-LTV/Advance Rates:

   Advance Rate: 75% – Startup 85% – Business acquisition 90% – Equipment 100% – Debt refinance, inventory, working capital,             partner buyout

My Military Financial Services

Our Locations

Jacksonville, Florida


Lauderdale By The Sea, Florida


Tampa, Florida



Mon-Fri: 9am to 5pm
Sat & Sun: By Appointment Only

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