Business Loans to Fuel Your Growth
Nationwide Specialists in SBA, Commercial, USDA & BIA Lending
Whether you’re acquiring a business, purchasing real estate, or expanding operations, T Bank helps entrepreneurs nationwide find the right financing. As a nationwide preferred lender, we specialize in a full range of government-guaranteed and conventional loans, offering the flexible terms, fast prequal decisions, and dedicated support you need to succeed.
Nationwide Preferred Lender
48-Hour Prequal Term Sheets
High Application-
to-Close Rate
Types of Business Loans We Offer
SBA 7(a) Loans
This flexible loan is used for business acquisitions, working capital, and refinancing existing debt, with amounts up to $5M.
SBA 7(a) Loans
This flexible loan is used for business acquisitions, working capital, and refinancing existing debt, with amounts up to $5M.
SBA 504 Loans
This program provides long-term, fixed-rate financing for major investments like owner-occupied real estate and equipment, with terms up to 25 years.
SBA 504 Loans
This program provides long-term, fixed-rate financing for major investments like owner-occupied real estate and equipment, with terms up to 25 years.
Commercial Loans
For conventional needs outside government programs, we offer flexible structures for working capital and expansion, with terms customized to your credit profile.
Commercial Loans
For conventional needs outside government programs, we offer flexible structures for working capital and expansion, with terms customized to your credit profile.
USDA Business Loans
Designed for rural and semi-rural businesses, this loan is used to expand or purchase property, with financing up to $25M.
USDA Business Loans
Designed for rural and semi-rural businesses, this loan is used to expand or purchase property, with financing up to $25M.
BIA Loan Guarantee Program
Built for Native American entrepreneurs, this program expands access to capital for acquisitions and growth through loan guarantees.
BIA Loan Guarantee Program
Built for Native American entrepreneurs, this program expands access to capital for acquisitions and growth through loan guarantees.
Finding the right financing is the key to unlocking your business's potential.
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.
Why Choose T Bank
Nationwide Preferred Lender
Delegated authority for faster SBA approvals
Flexible Loan Sizes
From $500K to $25M with up to 90% financing
Fast Prequalification
Loan terms delivered within 48 hours
Relationship-Driven Service
One team from first call through funding, no handoffs
How We Close Business Loans Fast
We streamline the lending process to ensure your business loans close as quickly as possible. We provide 48-Hour Prequal Term Sheets with reliable numbers, not estimates, so you can move forward with confidence. With In-House Credit Approvals, we bypass outside committees, ensuring a faster path to closing. You’ll benefit from having Dedicated Closers—your file is never passed around. Plus, our promise of Direct Access to Underwriting means you get answers immediately, often while you’re still on the call.
For Business Brokers & Buy-Side Advisors
We specialize in supporting Business Brokers and Buy-Side Advisors to ensure faster, smoother closings. We keep buyers engaged with 48-Hour Prequal Term Sheets and structure Goodwill Financing up to SBA Caps to reduce renegotiations. Our Bundle Solutions combine acquisitions, working capital, and seller notes into one loan. We promise Transparent Communication, copying you on everything and never marketing around you.
Borrower Testimonials
Working with T Bank on my business acquisition loan was a smooth and professional experience. The process was fairly fast for an SBA loan, transparent and with great communication. Highly recommend!
T Bank was my 3rd bank that I approached based on a recommendation. They made it happen with minimal issues and I'm very happy that I used the team at T Bank who made owning my dream business a reality!
I have been with T Bank for over 10 years and they have provided two SBA loans, a line of credit and a short-term loan to open a new store. The have been great to work with. I look forward to working with them for the years to come!
Frequently Asked Questions on SBA Loans,
Conventional Loans and Getting Started
What makes T Bank's business lending process different?
As a national bank, we have the resources and authority to lend across the country. However, unlike many larger institutions, we are built with a specialized focus on business lending, particularly SBA programs.
This means you aren’t just a number in a queue. You get direct access to our in-house underwriters and a dedicated closer—one expert team that stays with you from application to funding. We combine the strength of a national bank with the speed, flexibility, and direct communication of a specialist lender.
What do lenders look for to approve a business loan?
At T Bank, we believe becoming “bankable” comes down to three key factors, which we call the “3 Cs”:
Character: This is your professional story and track record. We look at your industry experience and how you’ve managed both financial obligations and tough situations in the past.
Cash Flow: This is the engine of your business. We review your financials to ensure the business generates sufficient cash to comfortably support its expenses and the new loan payment.
Credit: A review of your business and personal credit history. We look for a solid track record of on-time payments and responsible debt management.
Together, these three Cs tell the story of how ready you are for financing. We take a holistic view of your entire story, not just a single number.
How is an SBA loan different from a conventional bank loan?
The key difference is the government guarantee. With an SBA loan, the U.S. Small Business Administration (SBA) guarantees a portion of the loan, which reduces the risk for the lender. This allows banks like T Bank to offer more flexible terms, such as longer repayment periods and lower down payments, than are typically available with conventional loans.
Do you offer loans for startup businesses?
Yes, the SBA 7(a) loan program can be used to finance new businesses, particularly for business acquisitions and other well-structured startups.
For any startup financing, a successful application is heavily dependent on an exceptionally strong business plan, significant and direct industry experience from the owners, solid personal credit, and a meaningful equity injection. We recommend a Discovery Call to discuss the specifics of your new business venture.
How is an SBA loan different from a conventional bank loan?
Yes, the SBA 7(a) loan program can be used to finance new businesses, particularly for business acquisitions and other well-structured startups.
For any startup financing, a successful application is heavily dependent on an exceptionally strong business plan, significant and direct industry experience from the owners, solid personal credit, and a meaningful equity injection. We recommend a Discovery Call to discuss the specifics of your new business venture.
What makes T Bank's business lending process different?
As a national bank, we have the resources and authority to lend across the country. However, unlike many larger institutions, we are built with a specialized focus on business lending, particularly SBA programs.
This means you aren’t just a number in a queue. You get direct access to our in-house underwriters and a dedicated closer—one expert team that stays with you from application to funding. We combine the strength of a national bank with the speed, flexibility, and direct communication of a specialist lender.
Ready to Finance Your Next Business Move?
Get prequalified in 48 hours with a T Bank lending specialist.