TD Bank, N.A.
TD Bank Review 2026
All three core SBA products from one national bank — including an uncapped 504 first mortgage.
Quick answer
TD Bank offers all three core SBA products — 7(a) up to $5 million, 504 with an uncapped first mortgage plus a $5M-$5.5M second mortgage, and SBA Express up to $500,000 with a 48-hour response commitment. TD's SBA program page publishes no rate, credit-score, or revenue figures, so specific eligibility and pricing require a direct application.
Who TD Bank is best for
Businesses that want a large, well-capitalized national bank offering all three core SBA products, including uncapped first-mortgage 504 project financing.
At a glance
- Loan amount
- Up to $5M (7(a)); first mortgage uncapped / second mortgage $5M–$5.5M (504); up to $500K (SBA Express)
- Rates
- Not publicly disclosed
- Term
- Up to 25 years amortization (7(a), 504, and Express)
- Min credit / time in business / revenue
- Not publicly disclosed
- Funding speed
- SBA Express: response usually within 48 hours. Standard 7(a)/504: not stated.
td.com/us/en/small-business/sba-loan-programs, verified August 19, 2026
No rate figure found on td.com/us/en/small-business/sba-loan-programs, verified August 19, 2026
td.com/us/en/small-business/sba-loan-programs, verified August 19, 2026
No eligibility figures found on td.com/us/en/small-business/sba-loan-programs, verified August 19, 2026
td.com/us/en/small-business/sba-loan-programs, verified August 19, 2026
Pros
- +Only lender in this roundup offering an SBA 504 first mortgage with no SBA-stated maximum
- +Covers all three core SBA products: 7(a), 504, and Express
- +SBA Express offers a specific, fast 48-hour response commitment
- +Large, well-capitalized national bank
Cons
- −No published rate, credit score, time-in-business, or revenue figures for any SBA product
- −Standard 7(a)/504 timeline not disclosed beyond the Express product's 48-hour response
TD Bank requirements
- Not publicly disclosed for any SBA product
TD Bank alternatives
Top alternatives worth comparing from Best SBA Loan Lenders 2026.
Live Oak Banking Company
Live Oak Bank
Businesses with strong credit (680+ FICO) that want a small-balance SBA 7(a) option with a disclosed average rate and timeline, or large-project SBA 504 financing.
Celtic Bank Corporation
Celtic Bank
Businesses seeking a mid-to-large SBA 7(a) or 504 loan ($350K-$5M) at one of the lowest published starting rate spreads here.
Byline Bank
Byline Bank
Businesses in Illinois or the Chicago area that want a bank with a specific, SBA-data-backed regional track record in 7(a) lending.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at TD Bank, N.A.→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best SBA Loan Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
TD Bank scores 4.0 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Businesses that want a large, well-capitalized national bank offering all three core SBA products, including uncapped first-mortgage 504 project financing.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.