- Why TJA
The advantages that get hard deals closed.
Four reasons clients keep coming back and keep sending us referrals.
01
Difficult Deals Are Our Specialty
Most commercial brokers chase clean deals: stabilized properties, salaried W-2 borrowers, conventional bank programs. We can do those, but they’re not what we built TJA around.
Our specialty is the deal that needs structure: the self-employed borrower whose tax returns understate income, the property a national bank declines for reasons that have nothing to do with the asset, the time-sensitive closing that needs a creative bridge into a permanent takeout, the unusual property type that doesn’t fit a standard underwriting box.
These deals require knowing which lenders will actually look at them, how to package the file so the story comes through, and how to negotiate when the first conditions land. After two decades of this work, we have a deeply earned sense of what closes — and what doesn’t.
02
Lender Access That Matters
Lender lists don’t matter. Lender relationships do.
We maintain direct, working relationships with national banks, regional lenders, credit unions, SBA preferred lenders, private capital sources, life companies, and specialty stated-income programs. More importantly, we know which of those relationships fits which deal — and the underwriting team at each one returns our calls because we send files that close.
That access shows up in two ways for you: more options on the front end, and faster, cleaner negotiation on the back end.
03
Senior Attention From Day One
When you call TJA, you reach Tom. When you submit a deal, Tom evaluates it. When the lender sends conditions, Tom negotiates them. When closing happens, Tom is on the call. There are no junior staff handoffs because there is no junior staff. The person making decisions about your deal is the person you’ve been talking to from the start — and that consistency is the reason deals don’t get dropped, repackaged, or misrepresented in transit.
04
Speed Without Shortcuts
Speed in commercial finance comes from preparation, not pressure. We move fast on the steps we control discovery, term sheet generation, file packaging, lender selection and we manage the steps we don’t (appraisal, environmental, title) actively rather than waiting for them. Most clients have indicative terms in hand within a week of the discovery call. Most well-prepared commercial mortgages close in 45–60 days. SBA deals run longer because SBA requires it, not because we do.
If a deal genuinely needs to move in 30 days, we’ll tell you whether it’s possible and which lender to bring it to.
- 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
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