Finding business loan options can be challenging especially if you have a disability. Here is a list of 10 best business loans for people with disabilities. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-people-with-disabilities/

1. startup 1
10 BEST BUSINESS LOANS OPTIONS
BUSINESS LOANS FOR PEOPLE
WITH DISABILITIES
www.onlinecheck.com

2. startup 2
Managing a business is rewarding and challenging especially for people with physical or mental disability
According to the U.S. Census
Bureau survey, 39 million
Americans have a disability
problem with income lower than
the average.
Starting a small business can be
a flexible option for disabled
people to earn a living that a
traditional job doesn’t offer.
However, managing a small business calls
for constant inflow of capital and
securing a business loan can be
challenging especially if you’re among
the disabled American community.
However, it doesn’t mean you cannot have a business of your own.
There are multiple funding options and
grants available for people with disabilities,
as an alternative to secure capital.
www.onlinecheck.com

3. startup 3
BUSINESS LOANS
FOR DISABLED
BUSINESS OWNERS
SBA 7(a) Loans
SBA Microloans
SBA Community Advantage Loans
USDA Business Loans
Assistive Technology Loans
www.onlinecheck.com
Patriot Express Loan
Business Loans for Disable in Iowa
Short Term Business Loans
Crowdfunding Platforms
Business Credit Cards

4. startup 4
SBA
7(a)LoansSBA 7(a) loan program is the most popular loan type offering
cash up to $5 million with repayment terms of up to 25 years.
You can also get quick funding with cash under $350,000 via the
SBA Express Loan program that is part of the 7(a) program.
Small Business Administration
loans are the best loan options
for disabled business owners.
SBA does provide the loans itself,
instead guarantees the loan made
by their network of lenders.
www.onlinecheck.com
SBA Express Loans is a great business loan option for service-
disabled veterans with reduced fees. Even if you’re not qualified
for reduced fees, you can still get lowest interest rates and
longest repayment terms as a fair deal.

5. startup 5
www.onlinecheck.com
SBA
Microloans
SBA Microloan is another SBA loan program that offers
cash up to $50,000, lower interest rates and
repayment terms up to six years, being it the best
loan deal for microbusinesses and home-based
businesses.
The qualification criteria for an SBA Microloan is simple as
compared to SBA 7(a) loan program. Business owners with
credit scores of 575 or less can qualify for it. SBA
Microloan lenders take into account the anticipated
business income during the loan term instead of just
credit scores.

6. startup 6
SBA Community
Advantage
Loans
SBA also offers SBA Community Advantage Loans to help small
business owners in underserved groups, including the
disabled. These loan provide cash up to $250,000 and can be
used for large business investments. The qualification criteria
for these loans is similar to SBA Microloans. Use the SBA’s
Lender Match tool to find a community advantage lender in
your area.
www.onlinecheck.com

7. startup 7
US.
Department
of
Agriculture
(USDA)
Business
Loans
0201
03
The USDA doesn’t provide funding
directly. Just like the SBA, it guarantees
the loans made by their network of
lender and provides funding to
mediator agencies.
The mission of USDA is
to help rural
communities with fewer
than 50,000 residents to
grow and it can be a
great funding source for
entrepreneurs with
disabilities since most
disabled Americans live
in rural communities.
The qualification criteria
includes good credit
score with adequate
revenues to qualify for a
USDA business loan.
Some lenders might ask
for collateral with
application process
similar to the SBA.
www.onlinecheck.com

8. startup 8
Patriot Express Loan
01
Cash can be used for most
business-related purpose including
purchase real estate or equipment,
to pay for licensing and fees and
much more.
01
To make a loan application,
visit your local SBA center to
get more details on this loan
program.
01
01
SBA also provides the Patriot
Express Loan program to help
disabled veterans start or expand
their businesses with cash up to
$500,000
Patriot Express Loan program has the
quickest approval turnaround times
with the lowest interest rates ranging
from 2.25% to 4.75% above the prime
rate, based on the loan amounts and
repayment terms
www.onlinecheck.com

9. startup 9
Assistive Technology
Loans
Thing C
Thing A
Thing B
01
As a business owner, you might need some
equipment to make deliveries, a location with
cameras and devices to shoot a brand campaign,
or an online software to complete a project for
your clients.
01
Search for the local lenders
near you to get assistive
technology loans to help make
the needed purchase.
01
Every lender have slightly different
qualification criteria, loan amounts, credit
score and repayment terms. You need to
contact your state’s commerce or business
department to get more details on these
loans.
www.onlinecheck.com

10. startup 10
There is also a specific business loan
program for disabled business owners
in Iowa, which provides funding to
cover the start-up business costs
To qualify for this type of
funding, visit your local district
offices to get more information.
cash up to $10,000 for
qualified disabled
veterans
Business
Loans
for
Disable
in Iowa
www.onlinecheck.com

11. startup 11
Short Term Business
Loans
Step 04
Step 03
Step 02
Step 01
If you’re in business for some months and
making decent revenues, you can qualify for a
short term loan even with bad credit.
Merchant Advisors is a short-term lender that
provides business loans to veterans and service-
disabled veterans with cash up to $200,000 and
terms up to 36-months.
Many other online lenders provide short-term business
with easy application process.
Before choosing a lender, make sure you have done your research
properly since these loans are considerably expensive than other
financing types. If you’re able to pay more, short term loans are best
for short-term capital needs.
www.onlinecheck.com

12. startup 12
Crowdfundin
gCrowdfunding is another funding option to help start a business or grow. It is somewhat similar to
bank loans,
where you repay the principal amount plus interest over a fixed period.
Some platforms like Kiva provides interest-free loans with cash up to
$10,000.
Based on the loan size and other factors, borrowers have to invite
some people from their own network to lend money to their
business and then, pitch their idea to a wider network of Kiva
lenders.
While using a crowdfunding platform, creating a
persuasive description of your business idea can
also help inspire public to lend money to your
business.
www.onlinecheck.com

13. startup 13
Business Credit
Cards
CREDIT
CARDS
01
Some credit cards also offer rewards
on purchases, while some in specific
categories, like advertising or
shipping.
03
With higher credit limits, you can
also use your credit card for startup
financing or even pay for periodic
costs. Remember; don’t mix
business and personal expenses on
your credit card.
02
Some business credit cards offer a 0%
introductory annual percentage rate (APR)
and provides an opportunity for disabled
business owners to borrow interest-free
money
www.onlinecheck.com

14. startup 14
Business Grants for Disabled
Business Owners
01
02
03
Grants.gov grants for technology or science
field being the biggest source of federal
grants.
National Arts and Disability Center grants
for disable artist to promote their work.
Veterans of Foreign Wars grants to
veterans with service-related disabilities.
Applying for business grant is a much better option than a business
loan. Business loans require repayment, whereas business grants
don’t. If you’re looking for a business loan to start a small business
and unable to find one, there are many business grants available to
help you get started. And even if you’re unable to qualify for a
grant, at least you have the paperwork in order to apply for loans
later.
www.onlinecheck.com

15. startup 15
THE BOTTOM LINE
Managing a business is
challenging especially for
disabled communities. Luckily,
there are several business loans
for people with disabilities, and
grants available. Start your
search by asking support from
your loved ones, then, search
for more structured funding
options and grant
opportunities, both at the state
and local levels. In the end,
running a creative business with
best product or service will help
you grow more and keep
customers coming back. www.onlinecheck.com

16. startup 16
If you need quick
financing to grow your
small business, Merchant
Advisors can help. We
believe every business
owner whether disabled
or not should have an
equal opportunity to
succeed, participate, &
stay self-reliant. $ $$
EXPLORE YOUR LOAN OPTIONS
www.onlinecheck.com