- TJA Consulting · Commercial Finance
Commercial Real Estate Financing, Structured to Close
We work with small business owners and real estate investors on the deals traditional banks pass over and we get them done.
20+ Years
in Commercial Finance
National
Lender Network
Difficult Deals
Welcomed Here
Direct Access
to a Senior Specialist
- Financing Programs
Built for the deals that matter to you.
Most of our work centers on commercial real estate. Whether you’re acquiring, refinancing, or working with a property type your bank won’t touch, we have a program and a lender for it.
Commercial Mortgages
Purchase and refinance financing for commercial real estate from small storefronts to large multi-family.
SBA Loans
SBA 7(a) and 504 financing for owner-occupied real estate, business acquisition, and expansion.
Stated & Light-Doc Programs
Streamlined documentation programs for borrowers whose tax returns don't tell the full story.
Specialty Property Types
Multi-family, mixed-use, retail, industrial, hospitality, and special-use properties most lenders avoid.
From first call to closing a process built for clarity.
01
Discuss the Deal
A 20-minute call to understand the property, the borrower, and the goal. No application, no commitment just a conversation about whether we're a fit.
02
Structure the Solution
We identify the right loan type, terms, and lender — drawing on relationships built across two decades in commercial finance. You see real options, not generic quotes.
03
Submit & Negotiate
We package your file the way underwriters want to see it and advocate for the strongest terms. You stay informed at every milestone.
04
Close With Confidence
We coordinate with title, legal, and the lender through closing and stay available for the next deal whenever you're ready.
- WHY TJA
The advantages that get hard deals closed.
01
Difficult Deals Are Our Specialty
Self-employed borrowers, properties banks decline, complex ownership structures, timesensitive closings the deals other brokers walk away from are the ones we structure best.
02
Lender Access That Matters
National banks, regional lenders, credit unions, private capital, and SBA preferred lenders. The right financing rarely comes from the first place you’d look.
03
Senior Attention From Day One
You work directly with Tom Abbate from intro through closing. No call centers, no junior staffhandoffs the person evaluating your deal is the person closing it.
04
Speed Without Shortcuts
We move fast where it matters and slow down where the details count. Most clients have terms in hand within days, not weeks.
- Testimonials
What clients say.
Tom found financing on a property two banks had already turned down. He understood the deal, knew which lender to call, and closed on time. We’ve sent him three more deals since.
— Real Estate Investor, Multi-Family Portfolio
We needed an SBA 7(a) for an acquisition with a tight timeline. Tom walked us through the underwriting reality on day one no surprises, no wasted time. The deal closed exactly the way he laid it out.
— Small Business Owner, Service Industry
Stated-income programs aren’t easy to find anymore, especially for commercial. Tom had two solid options within 48 hours. Straightforward, professional, and the rate was better than I expected.
— Self-Employed Property Owner
Have a deal to discuss?
We work with small business owners and real estate investors on the deals traditional banks pass over and we get them done.