How do I qualify for a business loan?

Most lenders look at credit score, time in business, annual revenue, and existing debt. For SBA loans, 650+ credit score and 2 years in business are common minimums. TCO Capital offers a free capital assessment across 15+ lenders.

Does TCO Capital charge upfront fees?

No. TCO Capital operates on a fee-at-closing model. No application fees, consulting fees, or retainers. Fee is paid only when financing closes.

What states does TCO Capital serve?

TCO Capital primarily serves North Carolina and South Carolina, focusing on Charlotte, Raleigh, Greensboro, Columbia, and Greenville markets.

Privacy Policy

This Privacy Policy explains how TCO Capital INC collects, uses, and protects personal information submitted through its website and text messaging program.

Brand: TCO Capital INC

Website:www.tcocapitalinc.com

SMS Number: (223) 294-1137

Effective Date: July 2, 2026

Information Collected

TCO Capital INC may collect personal information that users voluntarily provide, including name, mobile phone number, email address, and any information submitted through forms, inquiries, or text message interactions.

How Information Is Collected

Information may be collected when users:

Visit www.tcocapitalinc.com and submit a phone number through an online form.
Check a box agreeing to receive text messages from TCO Capital INC.
Text START to (223) 294-1137 to opt in.
Communicate with TCO Capital INC by text message, phone, or website form.

How Information Is Used

TCO Capital INC may use collected information to:

Send text messages and respond to customer inquiries.
Provide customer service, account communication, and service-related updates.
Send marketing or promotional messages to users who have opted in.
Maintain business records and improve communications.
Comply with legal obligations and protect against misuse or fraud.

SMS Consent and Mobile Data

Text message opt-in data and consent will not be sold or shared with third parties or affiliates for their marketing or promotional purposes.

TCO Capital INC may share information with service providers only as necessary to operate the website, deliver text messages, support communications, or maintain business operations.

Opt Out

Users may opt out of text messaging at any time by replying STOP to any text message. Users may reply HELP for assistance.

Data Protection

TCO Capital INC uses reasonable administrative, technical, and organizational measures to protect personal information from unauthorized access, misuse, or disclosure. No method of transmission or storage is completely secure, so absolute security cannot be guaranteed.

Data Retention

Personal information may be retained for as long as necessary to provide services, maintain business and compliance records, resolve disputes, and enforce agreements.

Third-Party Services

The website or messaging systems may rely on third-party service providers such as hosting, analytics, or messaging platforms. Those providers may process information on behalf of TCO Capital INC only to support business operations.

Policy Updates

TCO Capital INC may update this Privacy Policy from time to time. The most current version will be posted at www.tcocapitalinc.com/privacy with the revised effective date.