- About
Twenty years of structuring deals that close.
Meet Tom Abbate the principal behind every TJA file.
Tom Abbate has spent more than two decades placing commercial real estate financing for small business owners and real estate investors across the country. His career has been built on a single discipline: structuring deals that other brokers and direct lenders couldn’t or wouldn’t make work.
Before founding TJA Consulting, Tom worked across both sides of the table originating loans, negotiating terms, and managing relationships with national banks, regional lenders, credit unions, private capital sources, and SBA preferred lenders. That two-sided experience is the reason TJA’s clients see options they wouldn’t see anywhere else, and the reason Tom can read a deal in a single phone call.
TJA Consulting was founded on a straightforward idea: borrowers deserve direct access to a senior specialist who understands their business, their property, and their goals. No call centers, no junior staff, no handoffs. The person evaluating your deal is the person closing it.
“The right loan, sized correctly, with the right lender. That’s the entire job.”
— Tom Abbate
- Our Approach
What working with TJA actually looks like.
01
We start with the deal, not the form.
The first conversation is about your property, your business, and your goal not a credit application. We tell you whether your deal is a fit before either of us spends another minute on it.
02
We tell you what we can actually do.
If a deal doesn’t have a path, we say so. If it does, we lay out what the lender will need, what the terms will likely look like, and what the timeline is. Honesty up front is faster than optimism on the back end.
03
We stay involved through closing.
Submission isn’t the finish line. We coordinate with the lender, title, and counsel through funding and we stay reachable for the deal after this one, whenever you’re ready.
- Lender Network
Direct relationships, deep coverage.
Most commercial real estate financing fails for the same reason: the borrower brought the deal to the wrong lender. Banks have credit boxes. Credit unions have geographies. Private capital has return targets. The art of this work is matching each deal to the source most likely to fund it on the best terms.
Each closed deal strengthens the network. Lenders return our calls because we send them files that close and we know which lenders to call because we’ve been doing it for two decades.
National and regional banks
Credit unions and CDFIs
SBA 7(a) and 504 preferred lenders
Private capital and bridge lenders
Life insurance companies and CMBS conduits
Specialty stated-income and light-doc programs
Let's discuss your deal.
A 20-minute call. No application, no commitment just a conversation about whether we’re a fit.