TD Bank, National Association: SBA Lending Record

What SBA's own loan files show about TD Bank, National Association as an SBA lender, and how a lender's record bears on a feasibility study.

The FY2017 to FY2026 record for TD Bank, National Association runs to 28,613 approved loans and $3.60 billion gross. The $3.60 billion for TD Bank, National Association counts approved dollars, not balances. TD Bank, National Association appears only under SBA 7(a), with 28,613 loans. Under SBA 504, TD Bank, National Association shows 0 loans. SBA records TD Bank, National Association as holder, now or earlier, of 28,613 loans. The guarantee is SBA's, never TD Bank, National Association's. Every one of the 28,613 loans counts toward TD Bank, National Association because SBA shows it as holder. TD Bank, National Association reflects only SBA 7(a) rules. Here, TD Bank, National Association means the holder SBA names. TD Bank, National Association's 28,613 loans span FY2017 to FY2026 approvals.

TD Bank, National Association: classes and geography

TD Bank, National Association's classes run full-service restaurant with 867 loans; limited-service restaurant with 501 loans; automotive mechanical repair with 499 loans. 23,889 loans credited to TD Bank, National Association sit outside every class we break out. TD Bank, National Association's 28,613 loans extend past the classes above. TD Bank, National Association lists 867 loans in full-service restaurant. TD Bank, National Association's states by loans: New York with 7,520 loans; Florida with 5,990 loans; New Jersey with 5,680 loans. TD Bank, National Association's sample for New York sites is 7,520 loans. TD Bank, National Association's counts are a map only.

TD Bank, National Association: cancellations and charge-offs

11.8% of TD Bank, National Association approvals, FY2017 to FY2024, were cancelled. For TD Bank, National Association, 11.8% is a floor. TD Bank, National Association's floor stops at FY2024 approvals. For TD Bank, National Association, 13.0% is the ceiling. The TD Bank, National Association ceiling counts undisbursed loans as cancelled. The TD Bank, National Association rate sits between 11.8% and 13.0%. TD Bank, National Association: the cohort runs FY2017 to FY2021. TD Bank, National Association's cohort holds 11,804 disbursed loans. 17.6% of TD Bank, National Association loans are charged off to date. For TD Bank, National Association, 17.6% is a floor. TD Bank, National Association: the two rates cover different loans. TD Bank, National Association: 9.5% charged off within 5 years.

TD Bank, National Association: testing a project

TD Bank, National Association's $3.60 billion and 28,613 loans are on record. At TD Bank, National Association, demand comes first: who pays? For TD Bank, National Association, cost is second; 28,613 loans do not replace a quote. For TD Bank, National Association, third is debt service coverage. TD Bank, National Association: 17.6% and 11.8% are floors. At TD Bank, National Association, the appraisal comes last: 28,613 loans cannot set your value. TD Bank, National Association's record cannot settle cost. Here TD Bank, National Association is a holder, not a verdict. TD Bank, National Association's 28,613 loans state nothing about its requirements. Ask TD Bank, National Association directly. Test first, then compare with TD Bank, National Association's 28,613 loans. Ask TD Bank, National Association what a complete study contains.

SBA loans held by TD Bank, National Association

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY202628,613
Gross dollars approved$3.60 billion
SBA 7(a) loans28,613
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)11.8%
The same, counting loans still undisbursed as cancelled (a ceiling)13.0%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)17.6%
Charged off within five years of approval9.5%
Loans in that cohort11,804

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes23,889
Full-service restaurant867
Limited-service restaurant501
Automotive mechanical repair (car and truck)499
Beauty salon494
Child care center324
Coffee shop and snack bar283
Fitness center272
Liquor store203
Grocery store181
Medical office (physicians)171
Rehabilitation and therapy clinic161
Gas station and truck stop133
Dental office129
Caterers (includes banquet halls with catering staff)116
Car wash93
Veterinary clinic49
Behavioral health and addiction treatment38
Beverage manufacturing (breweries, wineries, distilleries)34
Hotel and motel33
Data center33
Warehouse and distribution22
School (elementary and secondary, including charter)12
Life science lab (research and development)11
Nonresidential lessor (flex, office and retail investor buildings)10
Urgent care and ambulatory surgery10
Parking lot and garage10
Self storage8
Marina7
Manufactured housing community (lessors of other real estate)5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-18409.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by TD Bank, National Association or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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