Small Business Loans and Lines of Credit

¹All Loans and Lines of Credit are subject to credit approval and the terms and conditions of the final agreements. The promotional interest rate ("Promo Rate") is available only to: (1) new customers who do not currently hold any Lines of Credit with TD Bank, or (2)existing customers who apply for and are approved for an increase to their existing Line of Credit, where the new or increased Line of Credit amount exceeds the total amount of any existing Line(s) of Credit held with TD Bank at the time of application.

Ineligibility for Promo Rate: Renewals, refinances, or replacements of existing Lines of Credit are not eligible for the Promo Rate unless the application results in an increase to the existing Line of Credit commitment amount. Borrowers who have paid off and closedLine(s) of Credit with TD Bank on or after February 1, 2025, and subsequently apply for a new Line of Credit for an amount equal to or less than the closed Line(s) of Credit will not be eligible for the Promo Rate. TD Bank reserves the right to deny the Promo Rate if itdetermines, in its sole discretion, that the application is intended to circumvent these eligibility requirements.

Applications for the Promo Rate must be received between February 1, 2026 and April 30, 2026 to qualify. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. For Lines of Credit approvedwithout an SBA Guaranty and meeting the auto-payment qualification, the interest rate will be the Wall Street Journal Prime Rate ("WSJP") + 0.00%. For Lines of Credit approved with an SBA Guaranty and meeting the auto-payment qualification, the interest rate will beas follows:

For Lines of Credit with commitments of $50,000 or less, WSJP + 5.5%

For Lines of Credit with commitments between $50,001 and $250,000, WSJP + 5% ​

For Lines of Credit with commitments between $250,001 and $350,000, WSJP + 3.5%​

For Lines of Credit with commitments between $350,001 and $500,000, WSJP + 2.0%

These SBA Line of Credit rates apply based on SBA Standard Operating Procedure (SOP) 50 10 8, OMB Control Number: 5000-868665, effective June 1, 2025. They may change on issuance of an updated SOP 50 10 by the Small Business Administration. See www.sba.govfor details.

For SBA 7(a) Term Loans and SBA 504 Term Loans up to $5,000,000, TD Bank will offer closing cost credit up to $2,000.00 applicable to third-party reports such as appraisal, environmental, or business valuation reports. Qualified applicants must maintain an active TDBank Business Checking account from which loan payments will be auto-deducted. Closing credit not to exceed $2,000.00 in value. Borrower will be responsible for all assessed commitment and closing fees if Borrower withdraws a loan application after appraisalshave been conducted. The offer excludes Term Loans under the SBA Express Program. Applications must be received between February 1, 2026 and April 30, 2026 to qualify.​

For the Line of Credit and Term Loan offers, Loans and Lines of Credit must be closed by July 31, 2026 to qualify. Some credit restrictions may apply. Other terms and conditions may apply. Other fees and charges may apply; speak with your local lender for details.