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Small Business Banking

Business lifecycle stages

Financial solutions for you and your business

Tailored banking as unique as your business

With the backing of a major bank, and local Small Business specialists learning your unique needs, you'll have our support every step of the way. So let's chat, person to person, about a tailored plan that works best for you.

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Learn about the Top 6 Benefits for Keeping Your Personal and Business Finances Separated

Helping small businesses make a big difference

  • Digital payments have been changing what both merchants and Customers can expect from businesses. TD Bank and Forbes BrandVoice break down the trends and discuss what it all means for small business owners.

    Read the Forbes article here

  • As Sequoia evolved from a small construction company into a formidable business, it’s become clear that it has a knack for growth in almost any economic circumstance—and the ability to weather even the toughest conditions. With TD Bank as their strategic partner, Sequoia is ready for whatever’s next.

    Read Sequoia Supply's story here

  • The pandemic reminds us of the importance of keeping cash on hand - for things like payroll and day-to-day expenses. Luckily, there are some easy ways to keep cash on hand, from limiting assets to regulating your cash flow. Read how Maine's Sebago Brewing Company partnered with TD Bank to turn liquidity to solid growth and keep the taps flowing.

    Read Sebago Brewing Company's story here

Smart business essentials

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Finding the right loan for your small business starts here.

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Committed to the success of diverse owned businesses

Diverse owned businesses face unique challenges. At TD, we recognize the importance of representation in the business community and are committed to helping.

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  • Account support

    Mon – Fri
    7:00AM – 9:00PM ET
    Sat – Sun
    8:00AM – 8:00PM ET

    1-800-493-7562 1-800-493-7562

  • New products and services

    Our small business specialists can answer your questions about how to open an account, enroll in services or apply for a loan.

    Mon – Fri, 8:30 AM – 5:00 PM ET

    1-855-278-8988 1-855-278-8988

1Eligibility of ACH payments for early availability are limited to those coded by the originating financial institution as PPD (Prearranged Payment and Deposit), which are typically for payroll, government benefits, tax refunds and similar payments. All other ACH payment types, deposits or credits to your account, such funds from peer-to-peer payment services (e.g., Zelle®), checks or mobile deposits, and online transfers are not eligible for TD Early Pay. TD Bank does not guarantee that any ACH payments will be made available before the date scheduled by the payor, and early availability of funds may vary between ACH payments from the same payor. Early availability is subject to cut-off times, any limitations we set on the amount of early availability and standard fraud prevention screening.

If an ACH payment not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Business Deposit Account Agreement (BDAA). Except as expressly set forth in the BDAA, funds made available early are subject to the same terms and conditions as other ACH payment to your account. If we’ve made funds available early and the payor reverses or requests a return of the payment, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process, up to the amount of the payment that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

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