T Bank (SBA lending)
At a Glance
The closest thing the re-keyed table added to the dedicated remote desks: published clocks, big checks, buying-a-business first. Price it like the certainty lane it is, with a cheap desk's quote alongside, and hold it to the 48-hour promise its own page makes.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The page publishes the process instead of a rate sheet: an online prequalification with clear terms within 48 hours, a four-step path to closings averaging around 60 days by its own footnoted claim, up to 90% financing, terms to 25 years, and an honest collateral FAQ saying a shortfall does not disqualify strong cash flow. Our FOIA computation shows 64 change-of-ownership loans totaling $127.8M in FY2025 at a $2.0M average, 148 across six years with most written recently, at an 8.99% average initial rate, and no single-state top-five seat, the signature of a book spread nationwide.
- Best For
- Buyers anywhere who want a remote-first Preferred Lender with published response and closing clocks, especially at the larger end of the 7(a)
- In the Federal File
- 64 change-of-ownership loans in FY2025, 20th most in the country, averaging $2M each, at an average initial rate of 8.99%. Computed from the SBA's own loan-level data, not from anything the lender publishes.
- Type
- Bank (lends directly)
- Footprint
- Nationwide from a Dallas charter, with no home-state concentration in our file.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, handled remotely.
- Published Terms
- Prequalification terms within 48 hours and closings averaging around 60 days, published; up to 90% financing to 25-year terms.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- Prequalification terms within 48 hours and closings averaging around 60 days, published on the page
- Buying a business named first among its 7(a) uses, with up to 90% financing stated
- A $2.0M FY2025 average check, among the largest in our league table
- A nationwide book with no home-state concentration, the remote-desk signature, from a Dallas charter
Cons
- No published rates; the clocks are the disclosure, and the 8.99% file average sits in the pricier half
- The book scaled recently, 64 of its 148 six-year loans in FY2025 alone
- An online, process-first path; a complicated story should find a banker early
- No searcher-community footprint to weigh against its own claims
What Searchers Say
The clocks, the 90% figure, and the collateral FAQ are its own page's, footnoted as contingent on timely documentation; the Dallas charter is the FOIA file's own record. Our computation counts 64 change-of-ownership loans in FY2025 at a $2.0M average with no single-state top-five seat, which is what a nationwide remote book looks like in state-sliced data.
How to Approach
T Bank (SBA lending) is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder
Put It to Work
Lender Match puts this lender beside the others, filtered by your deal.