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SBA Express

Designed for existing small businesses in need of working capital, equipment or inventory financing or any other financing needs a business may have. One year business longevity required for SBA Express loans or lines of credit.

Teachers is your one-stop business lending source. Through our partnership with the US Small Business Administration (SBA) and its guaranteed loan program, Teachers is approved to offer SBA Express Business loans and business lines of credit to our members.


  • Less paperwork for you to fill out
  • Faster loan approvals
  • Quicker access to the funds you need
  • Fixed interest rates on term loans
  • Adjustable rates on lines of credit up to a seven (7) year term

SBA loans can be used to provide working capital for a business that can be used to purchase necessary machinery, equipment, supplies or inventory

Revolving credit lines are also very useful to businesses to help pay off short term payables or to use as overdraft protection on a business checking account.

Teachers also offers commercial mortgages to finance commercial real estate purchases or refinances. If you are looking to purchase a shopping center, office building, medical condominium, or any type of commercial real estate, Teachers can provide you with a commercial mortgage with flexible terms.

Application Forms

To apply, apply online or print out the following forms and drop off at your nearest Teachers branch or mail to: Business Lending Department, Teachers, PO Box 9005, Smithtown, NY 11787-9005.

TFCU Business Loan & Line of Credit Application

Personal Financial Statement
(For loans higher than $25,000)

SBA Express Form
(For loans higher than $50,000)

For any help in completing this application or if your business has less then one year longevity, please call a Teachers Business Development Officer at 631-698-7000 x 1687 or at

Loans are subject to credit approval.
Business owners must be members or eligible for membership at Teachers and must provide personal guarantees for loan request.
Rates subject to change.