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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

Apply now

Apply in person

Find a TD Bank

All loans subject to credit approval.  Origination fee waiver applies to Conventional and Healthcare Small Business Term loans up to $1,000,000 and is available for qualified applicants that maintain an active TD Bank Business Checking account from which loan payments will be auto deducted.  Origination and Packaging fee offer does not apply to TD Business Lines of Credit and Commercial Mortgages. 

For SBA Express Term Loans up to $500,000 and SBA 7(a) loans up to $5,000,000, TD Bank will waive up to $2,500 of the SBA packaging fee for qualified applicants that maintain an active TD Bank Business Checking account from which loan payments will be auto deducted.

Application must be received between 1/1/2024 -2/29/2024. Loans must be booked by 4/30/2024. Other fees and charges may apply; speak with your local lender for details.

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