Small Business Loans and Lines of Credit

TD Small Business Lending Offer:

¹All Loans and Lines of Credit are subject to credit approval and the terms and conditions of the final agreements. The promotional interest rate ("Promo Rate") is available only to: (1) new customers who do not currently hold any Lines of Credit with TD Bank, or (2) existing customers who apply for and are approved for an increase to their existing Line of Credit, where the new or increased Line of Credit amount exceeds the total amount of any existing Line(s) of Credit held with TD Bank at the time of application.

Ineligibility for Promo Rate: Renewals, refinances, modifications or replacements of existing Lines of Credit are not eligible for the Promo Rate unless the application results in an increase to the existing Line of Credit commitment amount. Borrowers who have paid off and closed Line(s) of Credit with TD Bank on or after April 1, 2025, and subsequently apply for a new Line of Credit for an amount equal to or less than the closed Line(s) of Credit will not be eligible for the Promo Rate. TD Bank reserves the right to deny the Promo Rate if it determines, in its sole discretion, that the application is intended to circumvent these eligibility requirements.

Applications for the Promo Rate must be received between April 1, 2026 and July 31, 2026 to qualify. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. This offer supersedes all previous offers.

For Lines of Credit approved without a U.S. Small Business Administration ("SBA") Guaranty and meeting the auto-payment qualification, the interest rate will be the Wall Street Journal Prime Rate ("WSJP") - 0.50%. For Lines of Credit approved with an SBA Guaranty and meeting the auto-payment qualification, the interest rate will be the WSJP + 1.99%. Lines of credit approved with an SBA Guarantee for applications received between April 1, 2026 and July 31, 2026, and closed by October 31, 2026, will also receive a waived SBA Packaging Fee.

Based on client risk ratings and loan maturity decisions, TD Bank reserves the right to offer a lower rate than the above stated in some instances. The SBA Line of Credit rate above is based on SBA Standard Operating Procedure ("SOP") 50 10 8, effective June 1, 2025, and it may change upon issuance of an updated SOP 50 10 by the SBA. See www.sba.gov for details.

For SBA 7(a) Term Loans and SBA 504 Term Loans up to $5,000,000, TD Bank will offer closing cost credit up to $2,000.00 applicable to third-party reports such as appraisal, environmental, or business valuation reports. Qualified applicants must maintain an active TD Bank Business Checking account from which loan payments will be auto-deducted. Closing credit not to exceed $2,000.00 in value. If an applicant withdraws a loan application after appraisals or any other third-party services have been conducted, the applicant will be responsible for appraisal costs, any other third-party costs, and allowable fees actually incurred prior to the withdrawal. The offer excludes Term Loans under the SBA Express Program. Applications must be received between April 1, 2026 and July 31, 2026 to qualify.

For the Line of Credit and Term Loan offers, Loans and Lines of Credit must be closed by October 31, 2026 to qualify. Some credit restrictions may apply. Other terms and conditions may apply. Other fees and charges may apply; speak with your local lender for details.