Direct Commercial Lending: Speed and Flexibility for Your Next Move
When your business needs a direct path to funding, T Bank’s conventional commercial loans provide the ideal solution. Our in-house commercial lending team specializes in structuring flexible financing for established businesses, with a streamlined process designed for speed and certainty.”
Creative Loan Structuring
Direct Access to Decision-Makers
Faster Closings
When Conventional Commercial Loans are the Smarter Choice
As government-guaranteed lending specialists, we know the power of SBA loans. But for many established businesses, a conventional commercial loan from T Bank offers a more direct and flexible path to funding.
Single-Point Service – One decision-maker shepherds credit, closing, and servicing
48-Hour Prequal Term Sheets – Issues surfaced early through lender/closer collaboration
Creative Structures – Bridge-to-perm, equipment + real estate, interest-only ramps—built for your cash-flow window
Accelerated Closing Timeline – Our streamlined process and direct access to decision-makers mean you get funded faster, allowing you to seize business opportunities without unnecessary delays.
Closings are subject to credit approval. Stated timelines apply to qualified submissions and are contingent upon the applicant’s timely submission of all required documentation.
A Better Lending Experience, Built for Your Business
Whether you’re acquiring, renovating, or expanding, we tailor loans around your cash flow and tax strategy—not the other way around. We combine the flexibility of a specialist lender with the authority of a preferred SBA lender to get your deal done right.
One Banker, Start to Finish
Your file never gets passed around. You work with a single decision-maker who shepherds your loan through credit, closing, and servicing.
One Banker, Start to Finish
Your file never gets passed around. You work with a single decision-maker who shepherds your loan through credit, closing, and servicing.
In-House Credit Approvals
We don't have outside committees. Our in-house team makes smart, fast decisions to keep your deal moving forward.
In-House Credit Approvals
We don't have outside committees. Our in-house team makes smart, fast decisions to keep your deal moving forward.
Creative Structures
We build loans for your cash-flow window with options like bridge-to-perm, equipment financing, and flexible amortization schedules.
Creative Structures
We build loans for your cash-flow window with options like bridge-to-perm, equipment financing, and flexible amortization schedules.
Step-Down Prepay Options
For real estate investors, we offer prepayment options where costs drop annually, aligning with your exit horizon.
Step-Down Prepay Options
For real estate investors, we offer prepayment options where costs drop annually, aligning with your exit horizon.
A Full Suite of Commercial Loan Solutions
Working Capital Lines
Working Capital Lines
Improve cash flow, fund inventory, or manage seasonal needs with flexible, revolving business credit.
Letters of Credit
Letters of Credit
Secure your domestic and international trade transactions with our trusted financial backing.
Investment Real Estate
Investment Real Estate
Finance non-owner occupied commercial real estate, including office, industrial, retail, and rental portfolios.
Construction & Land Development
Construction & Land Development
Secure interim loans and construction financing for your next ground-up build or raw land development project.
Business Acquisitions & Partner Buy-Ins
Business Acquisitions & Partner Buy-Ins
Secure the capital needed to fund growth, succession, or other ownership changes.
Equipment & Technology Financing
Equipment & Technology Financing
Purchase, lease, or upgrade the essential business assets you need to operate and scale.
Expansion/
Modernization Projects
Expansion/
Modernization Projects
Finance the renovation, enlargement, or re-tooling of your existing commercial facilities.
Owner-Occupied Commercial Mortgages
Owner-Occupied Commercial Mortgages
Purchase or refinance the offices, warehouses, or medical facilities your business calls home.
Discovery Call
We connect you directly with a commercial loan officer to discuss your project, goals, and financial picture.
Discovery Call
We connect you directly with a commercial loan officer to discuss your project, goals, and financial picture.
Underwriting & Approval
Our in-house team conducts a thorough but efficient review of your application for a final credit decision.
Underwriting & Approval
Our in-house team conducts a thorough but efficient review of your application for a final credit decision.
Prequalification
Based on your information, we provide a clear term sheet within days, outlining the proposed structure and terms.
Business Banking
Based on your information, we provide a clear term sheet within days, outlining the proposed structure and terms.
Closing & Funding
We coordinate all necessary documentation to ensure a smooth, timely closing so you can put your capital to work.
Closing & Funding
We coordinate all necessary documentation to ensure a smooth, timely closing so you can put your capital to work.
Your Direct Path to Funding
Getting a commercial loan shouldn’t be complicated. We’ve streamlined our entire process into four simple, transparent steps, ensuring you get from initial call to closing as quickly as possible. Our direct approach cuts out the red tape, providing you with clear terms and reliable in-house approval to get your capital working sooner.
Commercial Loan Frequently Asked Questions
What are the typical requirements for a commercial loan?
We generally look for established businesses with a history of strong cash flow, solid personal credit from the guarantors, relevant industry experience, and sufficient collateral to secure the loan.
How is a T Bank commercial loan different from your SBA loans?
Our commercial loans are funded directly by the bank without a government guarantee. This often allows for a faster process and more flexibility for certain borrowers and projects. Our experts will help you determine which path is best for you during a discovery call.
What information do I need to provide to get prequalified?
To get started, we typically require three years of business and personal tax returns, a current personal financial statement, and year-to-date business financial statements (balance sheet and P&L).
What kind of interest rates and terms can I expect?
Rates and terms are customized based on the project’s risk, the borrower’s financial strength, and the loan type. We offer both competitive fixed and variable rates with terms typically ranging from 5 to 25 years for real estate.
Do you finance non-owner-occupied real estate?
Yes, we offer a range of financing solutions for non-owner-occupied commercial real estate, including acquisition, refinance, and bridge loans for experienced real estate investors.
How do I know which business loan is right for me?
That’s the most important question, and the right answer depends entirely on your specific goals. As a general guide:
For acquiring a business or funding working capital, an SBA 7(a) loan is often the most flexible option.
For purchasing commercial real estate or major equipment, an SBA 504 loan provides the best long-term, fixed rates.
For more specialized needs or if you have strong financials, a conventional Commercial Loan can offer a faster, more tailored process.
You don’t have to figure this out alone. The best first step is a brief Discovery Call with one of our specialists. We’ll listen to your plans and help you map out the best financing path—with no obligation.
Let's Structure Your Next Deal
Your business has goals. Our commercial lending team has the capital and expertise to help you get there. Start the conversation today.
Closings are subject to credit approval. Stated timelines apply to qualified submissions and are contingent upon the applicant’s timely submission of all required documentation.
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