TMC Financing

TMC Financing TMC Financing provides SBA 504 loans, which allow small business owners to purchase commercial real estate with as little as 10% down.
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Founded in 1981, TMC Financing is the nation's #1 provider of SBA 504 commercial real estate financing. TMC Financing has funded projects worth more than $9 billion across California and Nevada, benefiting 5,000 businesses, resulting in the creation or retention of an estimated 60,000 jobs. For more information on SBA 504 loans and the local businesses they support, visit http://www.tmcfinancing.com. The Small Business Administration 504 loan program allows small-business owners to finance commercial real estate and other fixed assets with long-term, below-market, fixed interest rates. SBA 504 loans can be used to finance the total project cost (TPC), which can include the purchase price, construction/renovations, equipment, soft costs and closing costs. A typical 504 loan project requires a down payment of only 10 percent of the TPC from the borrower, with the remaining amount split between a first mortgage provided by a commercial lender and a second mortgage provided by a certified development company (CDC). By enabling owners to keep their capital working to grow the business and create jobs, the 504 program provides long-term stability to both businesses and communities. Business owners can confirm they meet the qualifications for an SBA 504 loan by visiting http://www.tmcfinancing.com. Connect with us on LinkedIn: https://www.linkedin.com/company/tmc-financing

11/30/2019
Small Business Saturday

Don't forget to #shopsmall tomorrow! Our small businesses deserve it.

#SmallBizSat is November 30th, and it’s about more than just retail. Errands like getting clothes altered at the neighborhood tailor are simple ways to #ShopSmall and support the community. Tailors Atelier

We have so much to be thankful for this year! Our small business clients that inspire us daily, our wonderful lending pa...
11/28/2019

We have so much to be thankful for this year! Our small business clients that inspire us daily, our wonderful lending partners, our fantastic team, receiving the Best Places to work award by San Francisco Business Times, and of course reaching the milestone of being the #1 SBA 504 lender in the nation.

It's been an amazing year and we couldn't have done it without such wonderful people on our side. We are so grateful. Happy Thanksgiving!

Catering is becoming an elevated art form in the “Entertainment Capital of the World” – it is now part of the show...
11/21/2019
Small Business Offers Creative Spin on Catering, Expands in Las Vegas Market

Catering is becoming an elevated art form in the “Entertainment Capital of the World” – it is now part of the show. This trend became the foundation for one local catering company, Cut & Taste , to create unique experiences that complement the dramatic and lively Las Vegas style.

TMC is thrilled to help Cut and Taste expand their business! Their 504 loan covered a building acquisition, improvements and $150,000 worth of equipment.

According to the owner of Cut and Taste, “Getting this loan was honestly a lot easier than even getting a loan for my own house. The team at TMC Financing made our expansion such an easy process. They took the stress out of it so we could stay focused on our day-to-day operations and upgrade the new building.”

We look forward to all the exciting things in this small business' bright future!

Cut and taste catering purchases larger bulding in Las Vegas Nevada, with help of SBA 504 Loan.

This week we hosted our annual lender appreciation event.  We want to thank each person that came to celebrate our momen...
11/15/2019

This week we hosted our annual lender appreciation event. We want to thank each person that came to celebrate our momentous year. TMC Financing is #1 in the nation and we couldn’t have hit that milestone without you.

We also want to recognize the staff at The Den at The Fox and our client Creative Ideas Catering SF, LLC, the food and the service was incredible. We can't wait to see what 2020 has in store!

2019 Lender Appreciation Event
11/15/2019

2019 Lender Appreciation Event

Thank you to all our veterans and their families for your service and sacrifice. Happy Veterans Day.For the veteran smal...
11/11/2019
Business Loans for Veterans | TMC Financing

Thank you to all our veterans and their families for your service and sacrifice. Happy Veterans Day.

For the veteran small business owners, we have a special program just for you.

Business loans for veterans: TMC's VetLoan Advantage offers commercial real estate financing for as low as 10% down. $3,000 rebate on closing costs.

Debenture rates are still at all time lows below 4% but are slowly inching up. Now's the time to secure your rate! #sba5...
11/07/2019

Debenture rates are still at all time lows below 4% but are slowly inching up. Now's the time to secure your rate! #sba504

This year's Halloween celebration was extra sweet as we were also celebrating our 38th anniversary AND our no. #1 SBA 50...
10/31/2019

This year's Halloween celebration was extra sweet as we were also celebrating our 38th anniversary AND our no. #1 SBA 504 lender in the nation status!

Last week we teamed up with Fremont Bank to host an event to celebrate the real estate brokers we partner with.  The SBA...
10/24/2019

Last week we teamed up with Fremont Bank to host an event to celebrate the real estate brokers we partner with.

The SBA 504 program is designed to make building ownership possible for small business owners, with a low down payment and a below market fixed interest rate. However, some business owners may not know about the 504 financing option. The brokers who work with TMC play a vital role in helping to introduce the program to our mutual clients.

We thank all of the real estate agents who came out to Drake's Dealership in Oakland, we appreciate you helping us to make small businesses thrive!

10/21/2019
2019 TMC Financing Trolley Tour

Every year TMC employees and board members hop on a trolley and visit some of our local clients. At TMC, we process about 250 loans a year. With each deal, staff is inundated with numbers, memos, correspondence with bankers, submissions, and closing docs. This is the day we get to see the results of our hard work.

Our 2019 Trolley Tour was our 14th tour and our 4th tour in Oakland. We visited two amazing clients with wonderful stories in the industrial part of East Oakland.

Should be a fabulous event! Come join us!
10/21/2019
National Association of Women Business Owners SFBA

Should be a fabulous event! Come join us!

Calling all women entrepreneurs! If the financial side of the business isn’t your strong suit, don’t worry you’re not alone! Join us on 10/31 to get all your funding questions answered and learn best practices to grow and scale your business. We’re excited to hear from some dynamic and knowledgeable women including Heather Picard - Business Coach and leaders with JPMorgan Chase, TMC Financing, U.S. Small Business Administration, and Bank of America. Register now!

What an honor it is to be the #1 SBA 504 lender IN THE NATION! As Barbara Morrison said, "It is a tribute to our dedicat...
10/17/2019
TMC Financing Ends 2019 as the No. 1 504 Lender in the Nation

What an honor it is to be the #1 SBA 504 lender IN THE NATION! As Barbara Morrison said, "It is a tribute to our dedicated, knowledgeable staff that is committed to our small business clients and lending partners."

Thank you to all our borrowers and partners for helping us reach this milestone. We are so proud of this status and so proud to help small businesses achieve their dreams!

TMC provided $287 million for nearly 300 small and mid-sized businesses in California and Nevada, making it the No. 1 SBA 504 lender in the nation.

We are loving this month's LODGING Magazine featuring women paving the way for female leaders in the industry. Proud tha...
10/16/2019

We are loving this month's LODGING Magazine featuring women paving the way for female leaders in the industry. Proud that our very own Barbara Morrison is included!

For the full magazine: http://bit.ly/2IXq0cD

TMC Financing's cover photo
10/16/2019

TMC Financing's cover photo

The October SBA 504 rates are here.  They are STILL well below 4%.  Time to lock in these low rates!
10/11/2019

The October SBA 504 rates are here. They are STILL well below 4%. Time to lock in these low rates!

We are proud that we could help these Napa hoteliers expand their business with multiple SBA 504 loans. The Patel family...
10/09/2019
Napa Hoteliers Amplify Business Growth with Multiple SBA 504 Loans

We are proud that we could help these Napa hoteliers expand their business with multiple SBA 504 loans.

The Patel family were able to purchase two adjacent hotel properties at a below market fixed rate for 25 years. They can strategically manage their business much more effectively.

Learn how they did it!

#sba504 #hospitality #muliple504loans #napa

https://www.tmcfinancing.com/hoteliers-amplify-business-growth-504/

TMC Financing, a commercial real estate lender specializing in SBA 504 loans for growing businesses, recently helped hoteliers Vikas Patel, Chotubhai Patel and Tejal Patel, secure $5.4M in total project financing.

Congratulations Cut & Taste for purchasing a 7,842 square foot industrial kitchen space in Las Vegas, NV through the SBA...
10/07/2019
Cut & Taste

Congratulations Cut & Taste for purchasing a 7,842 square foot industrial kitchen space in Las Vegas, NV through the SBA 504 Loan Program.

Special thanks to our lending partner, Valley Bank of Nevada, for helping to make these small business owners fulfill their dreams!

Read the full article below, as posted by Las Vegas Sun - @VEGAS INC

We won't be shy about it, its been one crazy year. Couldn't have done it without the love and support of our team, friends and family. Looking forward to the grand opening. Also, a huge thanks to Chris Hunter of TMC Financing and Valley Bank of Nevada for helping us obtain our dream home base.

In honor of National Child Health Day.   We wanted to give a shout out to one of our Nevada clients, St. Rose Pediatrics...
10/07/2019
St. Rose Pediatrics - Las Vegas - Henderson - Nevada

In honor of National Child Health Day. We wanted to give a shout out to one of our Nevada clients, St. Rose Pediatrics

TMC is proud to have helped this medical practice purchase multiple buildings through the SBA 504 loan program. Rather than worry about increased rental rates, they can focus on continuing to keep children healthy!

If you are in the Las Vegas / Henderson area check them out!

#SBA504 #medicalpractice #smallbusiness #nationalchildhealthday

Thank you to all our hard working manufacturers! We are proud to support your growth.  Happy Manufacturing Day #MFGDay19
10/04/2019

Thank you to all our hard working manufacturers! We are proud to support your growth.

Happy Manufacturing Day #MFGDay19

Rates are lower right now than the 504 Program has EVER SEEN. Whether you need to refinance or expand your business thro...
10/02/2019

Rates are lower right now than the 504 Program has EVER SEEN. Whether you need to refinance or expand your business through a real estate purchase - don't miss your opportunity to lock in these historically low rates. Rate is fully amortized and FIXED for 25 years.

Lococo's Cucina Rustica is a fabulous restaurant located in Downtown Santa Rosa, voted the best Italian restaurant in th...
09/30/2019
From Renters Threatened with Eviction to Stable Building Owners

Lococo's Cucina Rustica is a fabulous restaurant located in Downtown Santa Rosa, voted the best Italian restaurant in the North Bay for 12 years!

Despite their popularity, LoCoco's was in jeopardy of losing their space due to circumstances outside of their control. Thankfully, they were able to avoid eviction and instead, managed to BUY their location by utilizing the SBA 504 Program. Now they are their own landlords and never have to worry about losing their home again.

Anna O'Brien, SVP of TMC Financing, facilitated the deal on behalf of TMC.

#sbaloans #smallbusinessfinancing #cre #northbay
Golden Gate Restaurant Association Eater SF SFGATE Real Estate National Association of Development Companies - NADCO U.S. Small Business Administration SFChronicle Vault Zagat

TMC Financing helped the proud owners of Lococo’s purchase the building that they were previously leasing for their restaurant.

There are a lot of myths surrounding the SBA 504 Loan and one of those myths is about the paperwork required. Truth of t...
09/24/2019
Documents Needed for SBA Loan | TMC Financing

There are a lot of myths surrounding the SBA 504 Loan and one of those myths is about the paperwork required. Truth of the matter is - what's required is standard information that most banks require AND we walk borrowers through each document. We are the small business' partner and advocate every step of the way 🤝

To get the ball rolling with an SBA Loan, the best way to start is to get prequalified. The three items needed are straightforward and easy to gather.

TMC Financing
09/23/2019

TMC Financing

TMC Financing's cover photo
09/23/2019

TMC Financing's cover photo

Check out the staff of Plow restaurant in San Francisco.  They are celebrating 9 years of operation!TMC is proud to have...
09/23/2019

Check out the staff of Plow restaurant in San Francisco. They are celebrating 9 years of operation!

TMC is proud to have worked with owners Joel & Maxine when they purchased their current building through the SBA 504 program.

Congratulations!

#smallbiz #success #happyanniversary #504program

Nine years ago we opened @plowsf . We wouldn’t be where we are without our tireless staff past and present. Your contribution has been a huge part of our success. To all of you, our guests and community we appreciate you and thank you! #9years #happybirthday

The SBA 504 loan program allows gas station owners to finance fixed assets, which includes both real estate and equipmen...
09/19/2019
Financing Gas Station Equipment | TMC Financing

The SBA 504 loan program allows gas station owners to finance fixed assets, which includes both real estate and equipment, with only 15% down payment and a long term, below market rate. The 504 loan is accessible, and the terms are more attractive than what conventional financing offers.

While securing equipment financing for gas stations can be difficult, there is an optimal solution for both equipment and real estate acquisitions.

It wasn't all fun and games at CCIM's Annual Putt Putt Event...but there was definitely a lot of fun! Chris Hunter and t...
09/17/2019

It wasn't all fun and games at CCIM's Annual Putt Putt Event...but there was definitely a lot of fun! Chris Hunter and team took home the gold!

Thanks Southern Nevada CCIM Chapter for a great event.

Our South Bay team partnered up with Harvest Small Business Finance, LLC., to help host the 9th hole during the annual A...
09/16/2019

Our South Bay team partnered up with Harvest Small Business Finance, LLC., to help host the 9th hole during the annual Association of Silicon Valley Brokers Golf Tournament.

The event was held at Cinnabar Hills Golf Club. Thank you to everyone who participated!

#bankers&brokers #businespartners #smallbusiness #sba

When a CPA tells you to buy a building rather than lease it - you should listen!Faced with an increasing rent for a smal...
09/13/2019
Alameda CPA Practices what she Preaches: Own, Don’t Lease

When a CPA tells you to buy a building rather than lease it - you should listen!

Faced with an increasing rent for a small, not ideal space, Louise Cochrane decided it was time to buy. Louise is now the proud owner of a multi-tenant office building in Alameda.

Louise was ecstatic over the quick close. Pictured below is Louise with her family, beaming in front of their new building when they got their keys (on Halloween).

Being a CPA, Cochrane always knew that owning a building for her business was the most financially sound decision she could make.

Jennine Gilmer and Jennifer Davis, two of our Socal loan experts, have been busy on the golf course this week! Thank you...
09/12/2019

Jennine Gilmer and Jennifer Davis, two of our Socal loan experts, have been busy on the golf course this week! Thank you AIR CRE and NAIOP for two awesome events.

The September SBA 504 rates are in!  They DECREASED AGAIN setting another record low.  Time to secure these historically...
09/05/2019

The September SBA 504 rates are in! They DECREASED AGAIN setting another record low.

Time to secure these historically low rates - call us!
#lowrates #sba504 #smallbusiness

09/04/2019

We look forward to honoring our client Lina Mills, owner of Creative Ideas Catering SF, LLC , at the Small Business Big Impact Annual Event on September 12th!

Lina will be recognized as one of the entrepreneurs of the year!

Thank you Renaissance Entrepreneurship Center for letting us be apart of this incredible celebration.

Congratulations Lina from everyone here at TMC!

For our 14th Trolley Tour, we were thrilled go visit Tez Marble and John Lewis Glass, both Oakland borrowers with awesom...
08/30/2019

For our 14th Trolley Tour, we were thrilled go visit Tez Marble and John Lewis Glass, both Oakland borrowers with awesome businesses and awesome facilities! Amazing what they have created in their space.

For our 14th Trolley Tour, we were thrilled go visit Tez Marble and John Lewis Glass, both Oakland borrowers with awesome businesses and awesome facilities! Amazing what they have created in their space.

Equipment purchases have the potential to really upset the cash flow of a small business. The SBA 504 Equipment Loan all...
08/29/2019
Equipment Financing for Small Business | TMC Financing

Equipment purchases have the potential to really upset the cash flow of a small business. The SBA 504 Equipment Loan allows small businesses to purchase equipment with a service life of 10+ years with only 10% down and a long term, FIXED interest rate.

There is a solution for equipment financing for small business owners whose business requires reliable equipment to keep their business running smoothly.

As mentioned in the article, the majority of our loans today are 25-year terms. We predict this will remain our most pop...
08/23/2019
Forgotten SBA loan program gets new life

As mentioned in the article, the majority of our loans today are 25-year terms. We predict this will remain our most popular offering in the years to come!

As budget questions loom over the most popular Small Business Administration loans, lenders have embraced the previously overshadowed 504 program after a key policy tweak.

There are many things to consider before signing a lease. Once you weigh all your options - you may realize that there i...
08/19/2019
What to Consider Before Signing a Commercial Lease in San Francisco

There are many things to consider before signing a lease. Once you weigh all your options - you may realize that there is a much better alternative.

Because signing a commercial lease in San Francisco can be so impactful on your business, it's crucial to weigh all your options first.

Another story to warm our hearts. NLV Tequila Bottling LLC has transformed from a small, family dream to a company produ...
08/16/2019
TMC Financing helps local Tequila bottling company expand

Another story to warm our hearts. NLV Tequila Bottling LLC has transformed from a small, family dream to a company producing more than $3 million in sales.

A recent SBA 504 Loan allowed the company to expand into a larger facility that will consolidate operations to increase efficiency and provide the company with control over occupancy costs.

“Starting this kind of business, especially one that means so much to our family, is a dream of ours, but it’s also a lot of work. When it came down to the loans, all the paperwork gets so confusing. TMC was great in that they were literally right here in our building with us constantly, helping us get through all the paperwork and making sure we got the best loan for our business.” - Liliana Gonzalez

So thrilled our Las Vegas loan expert, Chris Hunter, could help this inspiring company with their next step in growing their dream.

After a decade of operation in Las Vegas Tequila Bottling is expanding to a larger facility, a move is made possible with an SBA 504 loan by TMC Financing.

A San Mateo ice rink, on the brink of permanent closure, is rescued with the help of the SBA 504 program.  By utilizing ...
08/15/2019
San Mateo Ice Rink Was Operating on Thin Ice Prior to SBA 504 Loan

A San Mateo ice rink, on the brink of permanent closure, is rescued with the help of the SBA 504 program.

By utilizing an SBA 504 loan the owners were able to purchase a 55,000 square-foot retail facility, at a below market, fixed interest rate for 25 years!

Read the full story on our blog.

#smallbusinss #sba504 #ownyourbuilding

TMC Financing, a commercial real estate lender specializing in SBA 504 loans for growing businesses, recently helped Mounir Kardosh, Founder & CEO of Nazareth Enterprises Inc., secure financing to purchase a 55,000 square-foot retail and ice rink facility. This $11.5 million acquisition aided in the...

We have good news. The SBA 504 rates are in - and the 20-year fixed rate hit an all-time record low!Time to call us and ...
08/08/2019

We have good news. The SBA 504 rates are in - and the 20-year fixed rate hit an all-time record low!

Time to call us and lock in these excellent rates.

Address

1720 Broadway
Oakland, CA
94612

Located by the 19th St Bart Stop at 1720 Broadway, 3rd Floor, in Oakland

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

(415) 989-8855

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