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 $100,000: you can apply online.

    Over $100,000: apply in person at a TD Bank. Download application (PDF)


  • 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 $100,000: you can apply online.

    Over $100,000: apply in person at a TD Bank. Download application (PDF)

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

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

Small business lending articles

Explore more small business solutions

Apply online

The fastest way to apply for loans and lines of credit under $100,000

Apply in person

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

Online application is designed for lending needs up to $100,000. Excludes borrowing requests for total aggregate exposures more than $100,000, ACH Line, Letter of Credit, unsecured lending and entities with more than ten owners. For borrowing requests in excess of $100,000 in total aggregate exposure, please call 1-855-278-8988 to apply with a Small Business specialist. TD Bank's Online Small Business Loan Application is for borrowing needs with a total business aggregate loan exposure of $100,000 or less. If you have an existing TD Bank business lending relationship, your new loan request plus existing loan request must be $100,000 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 $100,000, 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.

*Small Business Lending Offer: All loans are subject to credit approval. Some credit restrictions may apply. Other terms and conditions may also apply. Loan payments must be automatically deducted from a TD Bank Business Checking Account. This special rate of WSJP + 0% is available for Lines of Credit between $10,000.00 and $1,000,000.00. The effective rate is a variable rate and subject to change. WSJP rate is based on Wall Street Journal Prime (WSJP.) Small Business application must be received between 08/01/2022 and 12/31/2022. Loan must book by 1/31/23 or loan rate may change to currently offered rate at that time. Unsecured Lines of Credit and renewals/refinances to existing TD Bank Lines of Credit are not eligible. Any future change to the structure of your line of credit will be subject to the indicative pricing at the time of change. Lines of Credit guaranteed by an SBA program are not eligible for this offer. If your line of credit is approved with an SBA Guarantee, your packaging fee will be waived. Borrowers who have closed/cancelled a TD Small Business Line of Credit within the past 12 months are not eligible.  

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