A regional-bank comparison with fixed term debt, on-demand revolving credit and real-estate lending.
TD Bank at a glance
TD Bank publishes conventional loans, lines of credit, commercial mortgages and SBA financing. Its comparison page identifies different amounts, rate types, collateral and amortization for each structure. The advertised maximum is not a promise of approval. A final offer can be smaller and can use a different payment structure after the provider reviews revenue, credit, industry, state and recent bank activity.
What works
- Conventional and SBA menu
- Published comparison fields
- Online process for selected smaller requests
- Fixed monthly term-loan payments
What needs a closer look
- Regional branch footprint
- Lines can be payable on demand
- Collateral commonly supports larger facilities
- Promotional pricing has dates and checking-account conditions
Published starting profile
Time in businessBusiness and ownership history reviewed
Business revenueCash flow must support the requested structure
Credit profileNormal bank credit approval and guarantees apply
ApprovalSubject to underwriting and a final agreement
What the financing actually looks like
Regional US bank making conventional, real-estate and SBA business loans within its footprint.
Term loans use fixed rates, lines use variable prime-based rates and commercial mortgages use fixed-rate periods. Temporary promotional pricing has application, closing and account conditions.
Conventional loans commonly amortize over three to five years. Lines revolve and can be payable on demand. Commercial mortgages can have a five-year term with amortization up to 20 years.
Larger loans commonly use equipment, inventory or cash; lines can use cash or receivables; real-estate loans use the property.
TD's branch footprint runs primarily from Maine through Florida. Selected requests below $250,000 can start online, subject to exposure and entity limits.
The online route considers total TD exposure and excludes several specialist structures. Larger requests use a banker and paper application.
The contract changes with the use
TD publishes term loans for equipment and expansion, lines for recurring expenses and mortgages for property. The structures are not interchangeable. A five-year fixed loan can match a vehicle, while an on-demand variable line is better reserved for working capital that turns back into cash.
On demand is a material line term
The comparison page describes the conventional line as on demand. That means the agreement, not a long advertised timeline, controls the bank's right to request repayment. Ask about annual review, cleanup periods, borrowing-base reporting and events that can freeze further draws.
Promotional pricing expires in two ways
A promotional rate can require an application by one date, closing by another and automatic payments from TD checking. Preserve the offer terms with the application. If closing slips, price the ordinary rate before paying for appraisals or legal work that cannot be recovered.
Who should keep it on the shortlist?
An East Coast business comparing a conventional bank facility with an SBA alternative and willing to maintain a deposit relationship.
A borrower outside the footprint or one relying on a revolving line as permanent capital without understanding demand and renewal rights. That second group should compare a bank, credit union or government-backed route before paying for a shorter online process.
Our view
TD's comparison table is unusually useful because it separates amount, rate type, term and collateral. Promotional rates should be treated as dated offers, not timeless product facts. No published threshold can predict an individual approval, and no company maximum should set the size of the request.
How to read the offer
Ask for the cash delivered after withheld fees, total dollars repaid, number of payments and payment frequency. Then read the personal guarantee, UCC filing, collateral, default and early-payment sections. If the offer uses a factor, calculate an estimated annualized cost for comparison without pretending that estimate changes the contract into a loan.
Model the payment against the weakest recent revenue month. Leave payroll, sales tax, suppliers and existing debt in the bank forecast. A fast approval can still be the wrong product when automatic withdrawals create another gap before the financed project returns cash.
Primary sources checked
TD loan and line comparison ↗TD business lending ↗TD SBA programs ↗
Accessed July 16 and 17, 2026. Company pages can change after publication.