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We are a progressive bank, technologically, and structurally. Our SBA team is a flat organization that functions as a true client partner enabling you to communicate directly with decision-makers.


SBA Loans, National Scope

At T Bank, our SBA team includes some of the industry’s leading professionals. With a combined experience in SBA lending in excess of 100 years, our well-seasoned team of experts can help you navigate SBA loan programs and products efficiently and successfully.

Can an SBA loan be used to refinance debt?
Legitimate debts of the business can be refinanced. Personal debt, in general, cannot be refinanced. However, Certain loans incurred by an individual that are clearly demonstrated to be business related and payments are being made by the business, may be eligible for refinance. Call one of our representatives if you would like to determine whether a particular debt may be eligible.
Can SBA loans be used to finance apartment projects or other rental properties?

SBA loans are commercial loans that are used for businesses that are “actively” operated for profit. Apartments and other rental properties are considered to be “Passive Investment” properties and are not eligible for financing under SBA regulations.

An actively operating business may be used to acquire, and/ or improve real estate if the business will occupy the majority of the building. The business must occupy 51% or more of existing real estate, or 60% of the real property if proceeds of the SBA loan will be used to construct new improvements.

Are there any other types of businesses that are NOT eligible for SBA financing?
Businesses NOT eligible for SBA financing include businesses engaged in lending or other speculative investments, businesses engaged in gambling, businesses that restrict patronage or promote religion, and other not for profit businesses.
When is a business too large to be eligible for SBA financing?
The size standards vary by industry. Ninety-five percent or more of businesses operating in the US are considered to be Small Businesses. Depending on the type of industry, different criteria are used to make the determination. For most businesses, it is the average amount of revenue collected over the past three years. For others, such as manufacturing or wholesale distribution, it may be the number of employees. If a business fails to meet the standards above for a particular industry, there are alternative tests that can be applied. Feel free to call a T Bank loan specialist if you would like to discuss your particular industry and eligibility under the size standards.
What is Collateral, and how much Collateral does T Bank require?
Property pledged to a lender for securing the loan to ensure payments is known as collateral. It may be real estate, or other assets held by the business or held personally. SBA has very specific rules that must be followed, and all banking institutions must follow the same rule: SBA requires a lender to take all available and financially worthwhile collateral, both business and personal, up to the point the loan is fully secured. There are certain exceptions and allowances. This does NOT mean all SBA loans need to be secured by collateral.
What is Injection?
SBA refers to the amount and type of equity contribution by small business owners as “injection.” In general, injection cannot be borrowed. For example, a business owner cannot borrow on a home equity line of credit to inject into a business project as equity if applying for an SBA Loan.
When is Life insurance on a business owner required?
If a loan is not fully secured by collateral that could be liquidated to repay the SBA loan, SBA and the Bank may require life insurance in an amount equal to a portion of the loan. In addition, if a business is wholly dependent on the health of a particular individual owner, and there is no plan in place for succession if that owner should depart, life insurance may be required on that owner.