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99.9% of businesses in the U.S. are small businesses.1
That's big.
At TD, we treat small business like the big business it really is.
You make a difference
Small businesses are where conversations start, connections grow, and communities come together. We're celebrating owners who make difference every day – creating over 61 million jobs1, building relationships and helping communities thrive.
Inspiring stories near your community
Check out how we helped these small businesses achieve their goals and ultimately impact people's lives.
Mastercut Tool Corp.
TD customer since 1997
Safety Harbor, FL – Going from your garage to a 70,000 square foot space takes hard work and solid partnerships.
Kool Koala Pediatric & Adolescent Dentistry
TD customer since 2016
Camden, NJ – Dr. Ballard saw a need and took action. Now he serves his community in so many ways.
Fern Brook Nature School
TD customer since 2023
Middleborough, MA – When Lindsay Runey wanted to create an option to help kids, she needed a partner.
Zapata Mexican Restaurant
TD Customer since 2012
Middletown, NY – Adolfo Godinez built his journey from the kitchen up. Today, Zapata brings authentic Mexican dishes to families across the community.
Small Business is big business
99.9%
Of businesses are small businesses1
36 million+
Small businesses in the U.S.2
61 million+
Americans employed by small businesses1
Financial preparedness survey results.
Find out if U.S. small business owners are confident in their financial preparedness and read the full report to explore the key findings.
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Transcript
The main thing that I am impressed by is the fact that this entire operation started in Mike's garage.He was handcrafting the bits that we now see are being made by robots and sophisticated machines. Mastercut Tool Corporation is renowned worldwide for manufacturing top quality solid carbide rotary cutting tools. The company now occupies around 70,000 square feet total between multiple buildings and we have well over 100 employees. Our mission is to create the lowest cost per cut for our customers so that our success is their success. Mastercut has been a customer of the bank for about 30 years. I have an appreciation for authenticity and people that value having a relationship, that's what it is here. What we're working on present day is a lease line to be able to help them continue to grow, as well as an employee center that they're working on. One of the ways that TD Bank was especially helpful was getting financing for the machines. You're buying not only the machines to get the job done, you're also buying technology. You're buying an engineering team behind the equipment. TD Bank helped us to get to that point. We do most of our banking work now online. We have the check reading machines, so we make deposits from our office. I do have some of the online services so I can check and see where we are at any given time with our accounts. In five years we have a plan laid out and we're looking at about 6% growth per year. TD Bank is going to be an absolute necessary asset behind that.
Transcript
You know, a lot of times, kids don't have opportunities to be treated in a quality environment, and that was very important for me in my practice. I recognize the need for pediatric dental services throughout New Jersey and the limitations that were there, and how they could be filled by Kool Koala. I worked in a corporate environment for years and I can tell you that Kool Koala is more like a family practice. You see these kids stations and the koalas everywhere. If I were a kid, it would be a very welcoming environment and that I would feel happy and comfortable to be here. With Kool Koala, we were able to help consolidate all of their daily operations to TD as one main bank. It helps to streamline a lot of their day-to-day operations and efficiencies. I think that e-Treasury service is one of the backbones of TD Bank. It provides security, the ability to properly organize as well as help our bookkeeping accounting. Through TD’s online banking, it's made us far more efficient, freeing up time to focus on what is most important what we do every day. Currently, Kool Koala has 6 locations throughout New Jersey and Delaware. Is our intention to continue. TD has put us in place to grow. I also believe that TD Bank will assist us in any sort of acquisitions moving forward, and that's very essential to our growth in general.
Transcript
Fern Brook is very unique, you see it through how happy the children are, how happy the teachers are, how happy the families are. Our mission is to connect kids with nature, to teach them to be stewards of nature. I had been a public school teacher for about 15 years and I noticed that the classroom was becoming more restrictive. So we really wanted to create a space where kids could problem solve, where they could go through trial and error, collaborate with their friends. The program here that Lindsay offers at the Fern Brook Nature School, is wonderful. It really shows how education doesn't have to be restricted to a classroom that you can really utilize in nature, in the environment around you to help children learn and grow. When Lindsay first came to TD Bank, we assisted her by opening her operating account, which quickly turned into her utilizing our digital platforms, and then we incorporated a working capital she need support her business as it grew. TD Bank helped us by giving us a line of credit which helped us have a little bit of cushion as we purchased our third building, and by adding more staff, I had the worry of “What if I couldn't make payroll this week?” So by having that line of credit, I know that I do have that cash flow if I need it. In five years, we'd love to, we're going to be adding some afternoon preschool programing, expanding our home school programing enrichment programing a little bit. Lindsay's business grows here at the Fern Brook Nature School. TD is here to support her along the way.
Transcript
My wife and I, from the day we opened Zapata, we know how we're going to take care of the customers. I want the people leave from the place with a big smile, happy, thank you, so we treated like a family. When I come in this country in 1980, I start working dishwasher, and I start learning cook. So I was the chef in Spring Valley. We open Zapata in Palisades. I love it to be in this kind of business.
I married my husband almost 38 years. This is the dream together, to have your family and make the dreams in this country.
I met Adolfo and Angelica about five years ago. They were looking to maybe acquire another property or another restaurant, and from day one, they always treated me like family. They had the Palisades restaurant; they were looking to expand somewhere in the metro New York area. As fate would have it, things went quickly and this location here in Middletown, NY presented itself, and I was able to assist them quickly, and within a month and a half,
we were able to close the new location, and they were the new owners of a restaurant that has been around for over 50 years.
We were able to assist them with two commercial mortgages, one to refinance their location in Palisades, NY, and that set them up to be able to purchase this location here in Middletown, NY.
I'm always telling Adolfo and Angelica to open a third restaurant because the first two are so successful. But again, any way we can help will be great. They're just wonderful people
and wonderful to deal with.
TD Bank. That's great bank. Great people. Anything I need, I gotta call Mike Sullo.
