About

T Bank is an SBA 7(a) Preferred Lender focused on helping buyers and business owners successfully close transactions. Unlike larger institutions with lengthy approval processes, T Bank provides direct access to decision-makers and typically delivers prequalification feedback within 48 hours. Well-prepared deals can often close in 45 days or less.

Before You Apply

T Bank specializes in financing buyers pursuing established businesses with strong fundamentals. While every opportunity is reviewed individually, financing is often strongest when buyers have:

Strong Financing Candidates Typically Have:

• Strong personal credit history (700+ preferred)
• At least 10% equity injection available
• Relevant management, industry, or transferable business experience
• A plan to actively operate the business
• Sufficient liquidity available after closing
• Stable employment or business ownership history
• Ability to operate the business locally or relocate if necessary
• Interest in businesses with consistent revenue and positive cash flow

Financing May Be More Challenging If:

• Credit history is poor or limited
• Management or operating experience is minimal
• The buyer intends to be a passive investor
• Little or no equity injection is available
• The buyer lives far from the business with no operating plan
• The business has declining revenue or insufficient cash flow
• There has been a recent bankruptcy, foreclosure, unpaid taxes, or collections activity

What We Finance

Acquisitions, partner buyouts, commercial real estate, equipment purchases, expansions, start-ups, working capital lines, SBA 504 projects, and USDA-backed opportunities. Typical loan amounts range from $1 million to $5 million, with structures designed to help preserve operating cash flow.

Industry Focus

T Bank works extensively with businesses that have proven operating history and cash flow, including:

Healthcare (dental, medical, veterinary), child care, home services, HVAC, plumbing, manufacturing, logistics, trucking, car washes, gas stations, convenience stores, grocery, self-storage, auto repair, landscaping, construction trades, pool services, laundromats, pet care, diagnostic labs, event venues, professional services, and franchise resales.

Interested in financing a business acquisition? Contact us—and let’s start #DrivingSmallBusiness together.