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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

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TD Small Business Lending Offer:​

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 closed Line(s) of Credit with TD Bank on or after November 1, 2024, 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 it determines, in its sole discretion, that the application is intended to circumvent these eligibility requirements.​

​Applications for the Promo Rate must be received between November 1, 2025 and January 31, 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 approved without 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 be WSJP + 3.00%.​

​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 TD Bank 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 appraisals have been conducted. The offer excludes Term Loans under the SBA Express Program. Applications must be received between November 1, 2025 and January 31, 2026 to qualify.​

​For the Line of Credit and Term Loan offers, Loans and Lines of Credit must be closed by April 30, 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.​

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