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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, TD Small Business Loans and Lines of Credit can help provide the financing you need.
What you need to apply
Detailed loan and line of credit comparison
Lines of Credit
Lines of credit are typically used for quick access to cash for business expenses like:
- Rent
- Inventory
- Payroll
- Daily operations
Enjoy financial flexibility to manage your cash flow with a TD line of credit that can be paid down and used again as your business grows and changes.
- Best for borrowing $25,000 to $500,0001
- Larger lines available for commercial-sized businesses
- Competitive variable interest rate
- Access your money by writing a check or transferring money online
- Interest-only payment option available
Loans and Commercial Mortgages
Loans and commercial mortgages are generally used to finance business purchases such as:
- Equipment or vehicles
- Expansion or renovation
- Lump-sum working capital
- Real estate purchase or refinance
Get the security of a fixed rate, a predictable monthly payment and more from TD term loans and commercial real estate mortgages.
- Loan amounts up to $1,000,0001
- Lease options for equipment purchase or refinancing
- Larger loans available for commercial-sized businesses
- Competitive fixed interest rate
- Flexible SBA loan options
Download application for loans and lines of credit over $100,000
Online application for loans and lines of credit under $100,000
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 1-855-278-8988Mon-Fri, 8:30AM – 5:00PM ET
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Compare small business loans and lines of credit
Apply online
The fastest way to apply for loans and lines of credit under $100,000
Apply in person
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
Subject to credit approval.
Line of Credit rate is available for qualified applicants meeting the following conditions: with TD Business Checking account with $40,000 minimum balance and payments must be auto-deducted from TD Business Checking account. Other terms and conditions will apply, contact a small business specialist for more information. Rate is equal to Wall Street Journal (WSJ) Prime + 0.74%. As of September 19, 2019 WSJ Prime + 0.74% equals 5.74%. Rate is variable subject to changes to the WSJ Prime rate. Unsecured lines and increases/renewals to customers with existing lines not eligible. Loans guaranteed by the SBA are not eligible
1Subject to credit approval. Contact your nearest TD Bank for rate and fee schedule.
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
Subject to credit approval.
Line of Credit rate is available for qualified applicants meeting the following conditions: with TD Business Checking account with $40,000 minimum balance and payments must be auto-deducted from TD Business Checking account. Other terms and conditions will apply, contact a small business specialist for more information. Rate is equal to Wall Street Journal (WSJ) Prime + 0.74%. As of September 19, 2019 WSJ Prime + 0.74% equals 5.74%. Rate is variable subject to changes to the WSJ Prime rate. Unsecured lines and increases/renewals to customers with existing lines not eligible. Loans guaranteed by the SBA are not eligible
1Subject to credit approval. Contact your nearest TD Bank for rate and fee schedule.
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