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Small Business Loans and Lines of Credit

Whether you're looking to manage day-to-day expenses or want to expand your business, apply online for TD Small Business Loans and Lines of Credit that can help provide the financing you need.

  • Lines of Credit

    Access cash for frequent expenses that can be paid off quickly like inventory or payroll.

    With a TD Small Business Line of Credit, you'll get:

    • A competitive variable rate
    • Access to your money with checks or online transfers
    • Ability to pay down and reuse the line of credit
    • Interest-only payment option

    Ready to apply?
    Under $250,000: you can apply online.

    Over $250,000: apply in person at a TD Bank. Download application (PDF)

     

    Apply now 

  • Loans

    Pay off a purchase over time, like a used vehicle or equipment, or another business.

    With a TD Small Business Loan, you'll get:

    • Flexible terms from 1 to 5 years
    • One-time disbursement of funds, provided at closing
    • Fixed monthly payments, amortized over the life of the loan
    • The benefit of an SBA Preferred Lender, who can review your application for additional SBA guaranteed options

    Ready to apply?
    Under $250,000: you can apply online.

    Over $250,000: apply in person at a TD Bank. Download application (PDF)

    Apply now

Commercial Real Estate Loans & Mortgages

Buy or refinance commercial real estate, like a new business location.

With a TD Real Estate Loan, you'll get:

  • A 3- or 5-year fixed period amortized up to a 20-year period
  • One-time disbursement of funds, provided at closing

Ready to apply?
To apply for a real estate loan, talk to a Small Business specialist.

Make an appointment

1-855-278-8988
Mon–Fri, 8:30 AM–5:00 PM

SBA Loans

Get the money you need to grow

Enjoy flexible terms and preserve capital with an SBA loan from TD Bank, a Preferred SBA Lender.

  • Longer-term financing
  • Minimal equity requirements
  • Capital preservation
  • Shorter turnaround times
  • Faster access to loan proceeds
  • Start-up restaurant franchise lending
Learn more

Talk to an expert

Ask questions. Get guidance.

A small business specialist is ready to help.

Call 1-855-278-8988
Mon-Fri, 8:30AM – 5:00PM ET

Schedule an appointment

Small business lending articles

Explore more small business solutions

Apply online

The fastest way to apply for loans and lines of credit under $250,000

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All Loans and Lines of Credit subject to credit approval and terms and conditions of final agreements. Renewals and refinances to existing loans and lines of credit are not eligible for offers. Borrowers who have paid off and closed a line of credit after August 1, 2022 are not eligible for offers. Applications must be received between August 1, 2023 and November 30, 2023 to qualify. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. The interest rate for Lines of Credit approved without an SBA Guaranty meeting the auto-payment qualification will be Wall Street Journal Prime (WSJP) + 0.00%. The interest rate for Lines of Credit requiring an SBA Guaranty and meeting the auto-payment qualification will be Wall Street Journal Prime (WSJP) + 3.00%. Other fees and charges may apply; speak with your local lender for details.

Closing fee waiver applies to booked SBA 7(a) Term and Commercial Real Estate Mortgages up to $5,000,000. Offer excludes Terms and Commercial Real Estate Mortgages booked conventionally or under the SBA Express Program. Closing fee waiver of up to $2,000.00 will be applied to SBA appraisal, environmental or business valuation fee. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. Closing fee waiver not to exceed $2,000.00 in value. Borrower will be responsible for all assessed commitment and closing fees if Borrower withdraws loan application after appraisals have been conducted. Other fees and charges may apply; speak with your local lender for details.

Application must be received by November 30, 2023. Line or loan must be booked by 1/31/2023 or waived fees will be charged at closing.

Loans subject to credit approval. Other terms and conditions apply. Some credit restrictions may apply.

Online application is designed for lending needs up to $250,000. Excludes borrowing requests for total aggregate exposures more than $250,000, ACH Line, Letter of Credit, unsecured lending and entities with more than ten owners. For borrowing requests in excess of $250,000 in total aggregate exposure, please call 1-855-278-8988 to apply with a Small Business specialist. If you have an existing TD Bank business lending relationship, your new loan request plus existing loan request must be $250,000 or less. For revolving products, such as a business credit card or lines of credit, we consider your total credit limit. For non-revolving products, such as a term loan or commercial mortgage, we consider your total current balances. To apply for a loan request of greater than $250,000, please use our paper application that can be downloaded here or requested at any TD Bank location. For more information, please contact a TD Small Business specialist.

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