TMC Financing

TMC Financing is a nonprofit Certified Development Company (CDC) and the #1 SBA 504 lender in the nation, founded in 1981 with a mission to provide stable, long-term financing solutions to small business owners that traditional lending alone cannot always offer. Operating as a mission-driven organization, TMC specializes exclusively in the U.S. Small Business Administration's 504 loan program, which is designed to help small business owners purchase, construct, or refinance owner-occupied commercial real estate and major fixed assets. Licensed to lend in Arizona, California, Hawaii, Nevada, and Oregon, TMC has secured more than $16 billion in SBA 504 financing for over 8,000 small businesses and has helped create more than 63,000 jobs across its service area. The SBA 504 loan program offers borrowers up to 90% financing, requiring only a 10% down payment, with a below-market fixed interest rate and a fully amortized 25-year term. No additional collateral beyond the financed property is required, making it an accessible and capital-efficient option for growing businesses. TMC maintains a 95% SBA approval rate, a figure that reflects the organization's deep program expertise, long-standing lender and broker relationships, and disciplined approach to loan structuring. As a nonprofit CDC, TMC's organizational incentives are aligned with borrower outcomes rather than transaction volume, which distinguishes it from for-profit lending intermediaries. The company serves three primary audiences: small business owners seeking to acquire or refinance commercial real estate, commercial real estate brokers who work with owner-occupant buyers, and banks and traditional lenders looking for a trusted CDC partner to complete SBA 504 loan structures. Under the leadership of President and CEO Omar Salah, TMC continues to operate with the same mission-focused discipline that has guided the organization for more than four decades. The executive team brings deep experience in SBA lending, commercial real estate finance, and small business banking. TMC has been recognized as the #1 SBA 504 lender in the nation for multiple consecutive years, a distinction earned through consistent execution, institutional knowledge, and a reputation for being knowledgeable, accessible, and responsive throughout the financing process. From initial consultation through loan closing, TMC positions itself as a full-service advocate for small business borrowers navigating the SBA 504 process.