Veteran personal loans

You served.
Now we serve you.

Your VA disability payment sets your maximum loan amount. Borrow what you need — up to that maximum — and pay it back on your schedule. We put real capital in your hands — for emergencies, opportunities, and the missions ahead. Fast, fair, and built by a veteran who lived it.

Check my rate — 2 minutes See loan options
No impact to credit score to check rate Funds as fast as 24 hours Built by a Navy veteran Zero negative cash flow — guaranteed
For veterans with VA disability payments Rates from 30% APR 3 to 6 month terms No negative cash flow — ever Apply in minutes Continue Mission For veterans with VA disability payments Rates from 30% APR 3 to 6 month terms No negative cash flow — ever Apply in minutes Continue Mission
Why Charlie Mike Capital

Finally. A lender
on your side.

Most lenders see your VA payment and think payday loan. We see the most reliable income in America — and we built a product that respects it.

🛡

Your cash flow is protected

Every single loan is underwritten to guarantee you keep a minimum of $400 in your pocket each month after your payment. You will never go negative. That is not marketing language — it is a hard rule built into every loan we write.

⚡

Fast. No red tape.

You have already proven yourself. You served. Our application takes minutes, not days. Upload your VA award letter, connect your bank, and get a real rate — no fluff, no runaround, no waiting weeks for an answer.

🎖

Built by a veteran

Our founder is a Navy veteran who knows what it means to need capital and get handed predatory options. Charlie Mike Capital exists because he decided to build something better.

📅

Payments timed to your VA deposit

We schedule your repayment to coincide with the day your VA payment lands. No surprise overdrafts. No missed payments. Your money arrives — we take our portion — you keep the rest. Simple.

📊

Rates that slide with your loan

The bigger and longer the loan, the lower your rate. 3 to 5-month loans run up to 32% APR. 6-month loans run up to 30% APR. Longer terms mean lower rates — you are not punished for borrowing more.

🤝

No financial jargon

Before you sign anything, we show you exactly what your monthly payment will be, what you will have left over, and the total cost of the loan. No hidden fees. No surprises. Charlie Mike.

How it works

From application to
cash in four steps.

01

Tell us about your VA benefits

Share your monthly disability payment amount and rating. Takes about two minutes. No credit score required — we look at your VA income, not your credit history.

02

Pick your loan

Choose your loan size and term. We instantly show you your monthly payment, your leftover cash, and your total cost. See exactly what you are getting into before you commit.

03

We verify and approve

Upload your VA award letter and connect your bank account. Our system verifies your income and issues a final decision — typically same day.

04

Cash lands. Mission continues.

Funds hit your account within 24 hours of approval. Your first payment is automatically scheduled for the day your next VA deposit arrives. No action needed from you.

Our loan

One product.
Built right.

The QRF loan. Sized to your monthly VA payment, repaid in 3 to 6 months, with a cash flow guarantee on every single one. No complexity. No fine print surprises.

QRF Loan · 3 to 6 months
Quick
Reaction
Fund
3–6× your monthly VA payment

Emergency capital. Medical bills. Vehicle repairs. A cash gap before your next payment. Whatever the mission requires — borrow what you need (minimum $1,500, up to your calculated maximum), pay it back in 3 to 6 months, move on. You choose the amount. We handle the rest.

3-month: Max 32% APR
4-month: Max 32% APR
5-month: Max 32% APR
6-month: Max 30% APR
Examples based on your VA payment
$2,100
$875/mo VA
3-month loan
$5,120
$1,600/mo VA
4-month loan
$9,200
$2,300/mo VA
5-month loan
$19,776
$4,120/mo VA
6-month loan

The Cash Flow Guarantee

Every loan Charlie Mike Capital writes is underwritten to leave you with a minimum amount of cash remaining after your monthly payment. We will never put you in a position where your VA payment does not cover your loan. If the numbers do not work, we will not make the loan. Period.

0
Veterans put in
negative cash flow
Veteran voices

Real veterans.
Real missions.

My truck broke down two weeks before my VA payment hit. QRF loan was in my account the next morning. Paid it back in 3 months, no drama. Finally a lender that actually gets it.

Marcus T.
Army, 11 years · 70% disability · QRF Loan

I needed capital fast and couldn't get a traditional loan anywhere. Charlie Mike looked at my VA income and made it happen in 48 hours. Nobody else would have done that.

Dan R.
Marine Corps, 8 years · 50% disability · QRF Loan

The cash flow breakdown they showed me before I signed — I wish every lender did that. I could see exactly what I'd have left each month. No guessing. Signed same day.

James K.
Navy, 14 years · 100% P&T · QRF Loan
Our story
Craig Slomers, Founder

Craig Slomers

Founder & CEO · Charlie Mike Capital

I came home and did what veterans do — figured it out. College, startups, a winery and wedding venue built from nothing in Pittsburgh.

What I did not figure out was the financial system. I had guaranteed VA income every month and still could not get a fair deal. High-rate products designed for someone else, handed to me because nothing better existed.

I built Charlie Mike Capital because I needed it. If I needed it, you need it.

— Craig Slomers
Get started

Your mission
starts here.

Tell us a little about your VA benefits. We'll show you your rate and payment before you ever commit to anything.

US veteran with VA disability rating Receiving monthly VA compensation US bank account 18 years or older
Check your rate — no credit impact
Your estimated loan breakdown
Loan amount—
Monthly payment—
APR—
Your leftover / month—

Checking your rate has no impact on your credit score. Final rate subject to full application and verification. Currently available in Texas. Florida coming soon. Loans subject to state availability.

Common questions

Straight answers.
No runaround.

Do I need good credit to qualify?
We look at your VA disability payment as the primary qualifier — not just your credit score. Veterans with less-than-perfect credit who have a stable VA payment may still qualify. We believe your service record speaks for itself.
How fast can I get funded?
Most approved borrowers receive funds within 24 hours of final approval. We work fast because we know emergencies don't wait for business hours.
How does repayment work?
We set up an automatic ACH withdrawal timed to coincide with the day your VA payment deposits into your account. You don't have to do anything — your payment is collected automatically each month.
What if I have additional income besides VA?
Having additional income — from a job, business, or other source — can help you qualify for a larger loan or a better rate. We'll take all income into account during your application.
Will this affect my VA benefits?
No. Taking a personal loan has no effect on your VA disability rating or monthly compensation. Your benefits are protected by federal law and cannot be impacted by lending activity.
What states do you operate in?
We are currently in the process of obtaining lending licenses in our initial launch states. Enter your email in the application form to be notified when we are available in your state.
What is the cash flow guarantee?
Every loan we write is underwritten so that your monthly VA payment covers your loan payment and you still have money left over. We will never approve a loan that puts you in the negative. If the math doesn't work, we won't make the loan.
How do I get in touch?
Email us at info@cmcvet.com. We are a lean, veteran-run operation — you will hear back from a real person, not a chatbot.
◆ CMC Assist