Your Elite Wealth Club
SBA Loan Partners
T Bank’s Audrey Wendel and Glenn Giro are here
to help you get “bankable” and secure the financing you need
Welcome, EWC members! T Bank’s Audrey Wendel and Glenn Giro are here to help you get SBA loans for business acquisition and secure the financing you need. We understand that securing the right financing is a critical step in your wealth journey, and we’re committed to making that process as clear and simple as possible for you.
Your Dedicated Lending Team
Audrey Wendel
Market President
Professional & Executive Lending
I joined T Bank in 2006 to launch their highly successful national dental‑practice program, and those first deals taught me how powerful the right financing can be. Since then, I’ve shifted the same hands‑on approach to full‑scale SBA lending for business acquisitions—everything from first‑time buyers taking over a single location to multi‑practice roll‑ups that need creative, cash‑friendly structures. I’m the person who translates lender jargon into understandable terms, keeps the timeline honest, and makes sure the closing table feels a lot less scary than it sounds. My goal is always the same: recommend the right loan, not just any loan, and stay in the trench with you long after closing.
Glenn Giro
SVP, SBA National Lending &
Host of SBA University Podcast
I’ve lived on the front line of SBA lending since 2008—credit, cash‑management, and the art of getting the deal across the goal line. After 13 years in Chicago structuring growth capital, I moved back to Tennessee to focus on what I enjoy most: helping entrepreneurs buy, build, and eventually exit businesses on their own terms. Each week I host the “SBA University” podcast to break down process and policy into plain English, so buyers and advisors know exactly what to expect. Whether it’s an acquisition, a franchise roll‑up, or a partner buyout, I stay in constant contact, lay out a clear path, and make sure financing is the simplest part of your growth story.
Your SBA Loan Questions, Answered.
Demystify the process with Glenn’s SBA University weekly lesson.
Becoming Bankable: Your Guide to SBA Business Acquisition Financing
Character
Beyond the numbers, we look at your personal commitment, drive, and willingness to solve problems and work through hard times.
Character
Beyond the numbers, we look at your personal commitment, drive, and willingness to solve problems and work through hard times.
Credit
Pull a free credit report first to avoid surprises. We review your FICO score, payment history, and past delinquencies or bankruptcies to ensure a solid financial history.
Credit
Pull a free credit report first to avoid surprises. We review your FICO score, payment history, and past delinquencies or bankruptcies to ensure a solid financial history.
Cash Flow
The most important question is: can the business repay the loan? We'll review your personal and affiliate tax returns, and look for enough liquidity for a 10-15% down payment.
Cash Flow
The most important question is: can the business repay the loan? We'll review your personal and affiliate tax returns, and look for enough liquidity for a 10-15% down payment.
The Bankable Buyer's Business Plan: 6 Factors We Review
Tell your acquisition story
Show why you're the perfect fit for this business and highlight your transferable skills and industry know-how.
Show revenue & EBITDA trends
Provide a 3-year historical track record.
Confirm required licenses
Detail who holds them and the plan for transfer.
Map the current team & any gaps
Who is critical to operations? Detail your plan for replacing any key staff or the departing owner.
Flag customer concentration
Disclose if any single client represents >20% of revenue.
Explain the cash flow cycle
Detail key metrics like AR days, AP terms, and inventory turns.
Why Entrepreneurs Partner with T Bank
48-Hour Prequalification
Get a term sheet and buyer letter in just two business days.
Streamlined Process
For deals under $2 million, our process requires just two signatures and no committee, meaning you can close without red tape.
Direct
Access
You get a direct line to your underwriter for real answers and no phone trees.
In-House
Approvals
T Bank is a Preferred SBA Lender, we handle approvals in-house for a faster, more predictable path to "yes".
Let's Get Your Next Acquisition Funded
Whether you’re a new buyer looking to acquire your first business or an existing owner seeking to grow your portfolio, the path to building wealth starts with a conversation. We specialize in helping entrepreneurs secure the right financing for strategic business acquisitions and are dedicated to your success long after closing.
Contact Information:
Email:
[email protected](This is our dedicated team inbox)Phone: Call, text, or schedule a meeting directly.
Audrey Wendel: (972) 689-2400
Glenn Giro: (704) 609-3191
FAQs
How long does the loan funding process take after I'm prequalified?
Once you’re pre-qualified, the timeline for closing a loan can vary, but our streamlined, in-house approval process is designed for efficiency and speed. A significant factor in the timeline is how quickly you can provide the necessary documentation, such as personal and business tax returns. The faster you provide the required documents, the faster we can move toward closing your loan.
What if I don't have experience in the industry I want to buy into?
Your relevant skills, licenses, and personal bio can demonstrate your expertise and commitment to run the business. We also look for a solid plan for the business post-closing, including how you’ll manage the team and any potential knowledge gaps.
What kind of businesses does T Bank specialize in financing?
How does T Bank's SBA Preferred Lender status benefit me?
As a Preferred SBA Lender, we have the authority to approve loans in-house. This means we avoid the red tape of external SBA committees, leading to faster decisions and a more predictable closing process.
What is the minimum loan amount you provide?
Our loans range from $500K to $25M.
Do I have to live in a certain area to get a loan from T Bank?
No. While we’re the #1 Texas-based SBA lender, we lend nationwide.
Get Your Free Prequalification
Start a no-obligation conversation to review your project’s eligibility and outline a clear path to funding.