18 | Working with the Right Lender
The wrong lender slows you down. The right one clears the path — and walks it with you. SBA lending is nuanced. You need a team that understands:
T Bank Insight We prefer to review your deal before you submit the LOI. We’ll flag any issues early — so you don’t have to renegotiate once financing is underway.
Complex comp (bonuses, RSUs, K-1s) Permit transfers and recertifications Realistic seller notes and working capital structure Post-close support (financial performance, growth capital)
T Bank assigns a dedicated deal team — relationship manager, underwriter, and closer — from LOI through funding. We’ve helped hundreds of executives navigate approvals, surprises, and timelines. Case Example — Complex Bonus History, Fast Approval An executive buyer with variable compensation needed extra documentation. T Bank coordinated employer letters and bonus history, resolving underwriting questions without slowing the timeline. Action Checklist Draft internal and external communications pre-close Schedule two weeks of shadowing with the seller Identify one “quick win” improvement and complete it in 30 days Quick Summary With the right lender, you’ll close faster — and operate with more confidence.
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For informational purposes only. Not legal, tax, or financial advice.
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