TMC Financing

We’re proud to spotlight clients like Timmy T’s Gourmet Grinders, a local sandwich shop that’s been serving the community since 2014. Through the SBA 504 program, we helped finance the purchase of their Kailua location—allowing the business to transition from leasing to ownership and establish long‑term stability.

More recently, SVP, Business Development Kalia Clark had the chance to visit their Kapahulu location—another great example of how strong local businesses can expand thoughtfully while staying rooted in the communities they serve.

Grateful for partnerships like William Elliott at eXp Commercial and the opportunity to support Hawai‘i’s entrepreneurs as they grow and navigate an evolving landscape.

The SBA has announced a major update: eligible borrowers will soon be able to combine 504 and 7(a) loans for up to $10 million in total SBA-backed financing—doubling the previous $5 million cap.

✅ Effective July 4, 2026
✅ Up to $5M in 504 financing
✅ Up to $5M in 7(a) financing
✅ More flexibility to fund real estate, equipment and working capital

By separating (or “decoupling”) these programs, the SBA is giving capital-intensive small businesses—like those in construction, logistics, energy, and manufacturing—greater flexibility to grow and expand.

We’re excited about what this means for our borrowers—more access to capital, more strategic financing options, and even greater opportunity to scale.

If you’re planning your next expansion, now is the time to start the conversation.

https://bit.ly/42IEwxr

SBA Doubles Cumulative 7(a) and 504 Loan Limit to $10 Million | U.S. Small Business Administration WASHINGTON – Today, Kelly Loeffler, Administrator of the U.S. Small Business Administration (SBA), announced a new rule that will allow eligible borrowers to combine their 7(a) and 504 loans for up to $10 million in SBA-backed financing, increasing the cumulative loan limit from its current $5 mil...

Feedback is in from our annual Business Outlook Survey, which means insights from our entire portfolio. Glad to have them!

It’s a privilege to partner with small manufacturers and support their growth through SBA 504 financing. Seeing clients thrive — and staying connected years later — is exactly why we do what we do.