# TJA Consulting: Commercial Real Estate Financing, Structured to Close

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## Pages
- [Stated / Light Doc](https://tjacommercial.com/financing-programs/stated-light-doc/)
- [Contact](https://tjacommercial.com/contact/)
- [Insights](https://tjacommercial.com/insights/)
- [Property Types](https://tjacommercial.com/property-types/)
- [SBA Loans](https://tjacommercial.com/financing-programs/sba-loans/)

## Posts
- [Commercial Loan Decline: The Start of a Better Deal](https://tjacommercial.com/commercial-loan-decline/)
- [What Lenders Want to See in a Commercial Loan Request in 2026](https://tjacommercial.com/what-lenders-want-to-see-in-a-commercial-loan-request-in-2026/)
- [How $2M–$10M Borrowers Are Getting Approved in a Tighter Credit Market](https://tjacommercial.com/how-2m-10m-borrowers-are-getting-approved-in-a-tighter-credit-market/)

## Categories
- [Lender Insights](https://tjacommercial.com/category/lender-insights/)

## Optional
- [Sitemap index](https://tjacommercial.com/sitemap_index.xml)
 
> Commercial real estate financing for small business owners and real estate investors — structured to close.
 
TJA Consulting is a commercial finance advisory firm led by Tom Abbate, a 20+ year specialist in commercial real estate lending. TJA works directly with small business owners and real estate investors on transactions traditional banks decline, including self-employed borrowers, non-standard property types, complex ownership structures, and time-sensitive closings. Clients work with Tom directly from first call through closing — no handoffs, no call centers.
 
## Financing Programs
 
- [Commercial Mortgages](https://tjacommercial.com/financing-programs/commercial-mortgages/): Purchase and refinance financing for commercial real estate, from small storefronts to large multi-family properties.
- [SBA Loans](https://tjacommercial.com/financing-programs/sba-loans/): SBA 7(a) and 504 financing for owner-occupied real estate, business acquisition, and expansion.
- [Stated / Light-Doc Programs](https://tjacommercial.com/financing-programs/stated-light-doc/): Streamlined documentation programs for borrowers whose tax returns don't reflect the full picture.
- [Specialty Property Types](https://tjacommercial.com/property-types/): Financing for multi-family, mixed-use, retail, industrial, hospitality, and special-use properties most lenders avoid.
 
## About TJA
 
- [About TJA](https://tjacommercial.com/about-tja/)
- [Our Process](https://tjacommercial.com/our-process/)
- [Why TJA](https://tjacommercial.com/why-tja/)
 
## Insights
 
- [Insights](https://tjacommercial.com/insights/)
 
## Contact
 
- [Contact](https://tjacommercial.com/contact/)
- Phone: (732) 682-8268
- Email: tom@tjacommercial.com
- Apply: https://apply.tjacommercial.com/