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BreadRoute Review
TMC Financing
4.0Our TMC Financing Review
TMC Financing is a nonprofit Certified Development Company (CDC) headquartered in Oakland, CA, serving small businesses across Arizona, California, Hawaii, Nevada, and Oregon. It holds Premier Certified Lender status with the SBA — the program's highest designation — and has been recognized as the #1 SBA 504 lender in the nation. TMC finances commercial real estate purchases, construction, renovations, equipment acquisition, energy-efficiency projects, and special-purpose properties including hotels, with loan amounts from $50,000 to $5 million. A minimum credit score of 700 is required; there is no minimum time in business. TMC also offers SBA refinance loans, Community Advantage Program loans, and microloans. Because SBA 504 deals involve a CDC, a bank partner, and the borrower, expect a structured underwriting process rather than a quick-close timeline.
Who Is TMC Financing Best For?
Based on eligibility requirements and available products.
- New businesses with limited operating history
- Established businesses that qualify for SBA programs
- Businesses operating in Arizona, California, Hawaii, Nevada & Oregon
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
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Quick Overview
4.0Compare Alternatives
Other Nonbank Lender lenders
TMC Financing Pros & Cons
Pros
- Startup-friendly no seasoning requirement
- High loan amounts available
Cons
- Requires strong credit (700+ minimum)
- Limited to Arizona, California, Hawaii, Nevada & Oregon
Frequently Asked Questions
TMC Financing offers financing in the range of $50,000 to $5 Million.
TMC Financing typically requires a minimum credit score of 700. Businesses with scores above this threshold are more likely to qualify for favorable terms.
TMC Financing offers the following financing products: SBA 504.
TMC Financing requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
TMC Financing currently serves businesses in Arizona, California, Hawaii, Nevada & Oregon.
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