Thomas USAF
Thomas Financial Group is a privately held direct lender that originates and services USDA and SBA government-guaranteed loans for small and medium-sized businesses in rural and underserved markets across all 50 states. Founded in 1979 in Atlanta, Georgia.
- Company typePrivate
- Founded1979
- HeadquartersAtlanta, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Thomas USAF does
Thomas Financial Group is a privately held, direct lender headquartered at 3060 Peachtree Rd NW, Atlanta, Georgia, founded in 1979. The company originates and services government-guaranteed loans across all 50 states including Alaska, Hawaii and U.S. territories, with a stated cumulative loan volume exceeding $4 billion originated and purchased. It operates a horizontal segmentation strategy targeting small and medium-sized businesses in rural and underserved markets, and the company describes itself as one of the nation's largest originators of government-guaranteed loans.
The core product set spans eight federal lending programs: USDA Business & Industry (B&I), USDA Community Facilities (CF), USDA Renewable Energy for America Program (REAP), USDA Farm Service Agency (FSA), USDA 9003 (renewable energy initiative), SBA 7(a), SBA 504, and C-PACE. Revenue is generated primarily through origination fees on these loans plus gains from a parallel secondary market operation in which the firm purchases government-guaranteed loan assets. Pricing is deal-specific and not publicly disclosed; contract terms are determined per transaction based on loan size, term, borrower creditworthiness and applicable government guarantee parameters.
The go-to-market is sales-led and relationship-driven, leveraging established connections with USDA and SBA officials and a team of CPAs, bankers, loan underwriters and analysts with over 100 years of combined federal-lending experience. Distribution is direct, with no intermediary channel; outreach is conducted through the company website, phone (678-732-1266), and email ([email protected]). The firm cites approximately 15,000 jobs created through financed projects as a quantified social impact metric. There is no evidence of public listing, external institutional investment, mergers, acquisitions, or material leadership transitions in the source data.
Thomas USAF firmographics
Firmographics- Name
- Thomas USAF
- Legal name
- Thomas Financial Group
- Website
- https://thomasusaf.com
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Thomas Financial Group is a privately held direct lender that originates and services USDA and SBA government-guaranteed loans for small and medium-sized businesses in rural and underserved markets across all 50 states. Founded in 1979 in Atlanta, Georgia.
- Ownership category
- akta.pro rank
Thomas USAF industry classification
Industry- Product category
- Government-Guaranteed Commercial Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)
- akta.pro secondary industries
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Government-Backed CRE Lending (FHA/HUD/USDA) (FSALADAE)
Keywords
Where Thomas USAF is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Thomas USAF business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Loan Origination: Thomas Financial Group originates government-guaranteed loans (USDA B&I, Community Facilities, REAP, SBA 7(a), SBA 504) directly to businesses, earning origination fees. They are one of the nation's largest originators of government guaranteed loans.
- Secondary Market Operations: The company purchases loans in the secondary market, positioning itself as a major player in both government guaranteed lending and the secondary market for loan assets.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Thomas USAF product offering
Product offeringCore offering
Thomas Financial Group is a direct originator and servicer of government-guaranteed loans, including USDA Business & Industry (B&I), Community Facilities (CF), REAP, FSA, 9003 Program, SBA 7(a), SBA 504, and C-PACE loans. The company finances small and medium-sized businesses with a specialized focus on rural and underserved markets, and also purchases loans in the secondary market. With $4 billion+ in loans originated and purchased and operations across all 50 states, the company provides creative financing solutions for complex or large projects, assistance navigating USDA and SBA processes, and structured loan arrangements.
Product overview
Thomas Financial Group operates as a government-guaranteed lending platform offering a comprehensive suite of eight loan products through USDA and SBA programs. The core offerings include USDA Business & Industry (B&I), Community Facilities (CF), REAP, FSA, and 9003 Program loans, alongside SBA 7(a) and SBA 504 loans, plus C-PACE financing. As one of the nation's largest originators of government guaranteed loans with over $4 billion closed, the company specializes in providing access to capital in underserved rural markets, with capabilities spanning loan origination, servicing, and secondary market operations across all 50 states.
Differentiator
Problem solved
Functional benefit
Products and services
- USDA B&I Loan USDA Business & Industry loan program providing government-guaranteed financing to businesses in rural markets. Targeted at small and medium-sized businesses needing capital that is not readily available from conventional lenders.
- USDA Community Facilities (CF) Loan USDA Community Facilities loan program supporting the development of essential community infrastructure and facilities in rural areas, serving municipalities, nonprofits, and other eligible borrowers.
- USDA REAP Loan USDA Renewable Energy for America Program providing financing for renewable energy systems and energy efficiency improvements for agricultural producers and rural small businesses.
- SBA 7(a) Loan SBA 7(a) loan program offering working capital, equipment purchases, and business acquisition financing backed by the U.S. Small Business Administration. For small businesses that cannot access conventional financing on reasonable terms.
- SBA 504 Loan SBA 504 loan program providing long-term fixed-rate financing for major fixed assets such as commercial real estate and equipment purchases, typically used for owner-occupied commercial property and expansion.
- USDA 9003 Program USDA Section 9003 program providing loan guarantees for renewable energy projects, including commercial-scale biomass, geothermal, solar, wind, and other renewable energy infrastructure.
- USDA FSA Loan USDA Farm Service Agency loan program supporting agricultural operations and family farms with direct and guaranteed financing for farm ownership, operating expenses, and related needs.
- C-PACE Loan Program Commercial Property Assessed Clean Energy loan program financing energy efficiency and renewable energy improvements on commercial properties, with repayment tied to the property through a special assessment.
Quantifiable outcome
- $4 Billion+ in loans originated and purchased
- +2 more outcomes
Companies that use Thomas USAF
Customer profileSegments1 record
Ideal customer profiles1 record
Thomas USAF technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Thomas USAF partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
Thomas USAF competitors and assessment
Company assessmentDirect peers
- Live Oak Bank: Live Oak Bank is the largest SBA lender in the United States by volume, with deep concentration in SBA 7(a) loans to small businesses. It is the closest direct competitor to Thomas Financial Group in the government-guaranteed lending space and shares a focus on serving underserved small-business borrowers.
- Celtic Bank: Celtic Bank is one of the most active SBA 504 Preferred Lender Program (PLP) providers in the country. It competes directly with Thomas Financial in SBA 504 origination and shares the same government-guaranteed lending model.
- ReadyCap Lending: ReadyCap Lending is a non-bank SBA 7(a) and 504 lender focused on small-business financing. It is a direct competitor in the SBA government-guaranteed lending segment that Thomas Financial serves.
- Newtek Business Services: Newtek originates SBA loans and provides small-business capital across the U.S. It competes directly with Thomas Financial in SBA 7(a) and 504 lending and shares a multi-product government-guaranteed lending approach.
- Fountainhead SBF (CIBC): Fountainhead SBF, now part of CIBC, is a leading SBA 504 Certified Development Company (CDC) lender. It is a direct peer in SBA 504 long-term fixed-rate financing, the same product space Thomas Financial emphasizes.
- National Funding: National Funding is a private small-business lender offering SBA 7(a) loans and other working capital products. It directly competes with Thomas Financial in SBA 7(a) origination for small and mid-sized businesses.
Broad incumbents
- Wells Fargo: Wells Fargo is one of the largest SBA 7(a) lenders in the U.S. and offers USDA-related commercial lending. As a broad incumbent, it overlaps with Thomas Financial on SBA/USDA products but serves a much larger and more diversified borrower base.
- JPMorgan Chase: JPMorgan Chase is a top SBA lender and operates substantial small-business and community development lending programs. It is a broad incumbent competing for government-guaranteed deal flow alongside Thomas Financial.
Emerging players
- BlueVine: BlueVine is a fintech small-business lender offering SBA PPP/7(a) and working capital products through a digital platform. It represents an emerging digitally-native competitor to Thomas Financial's relationship-driven SBA origination model.
- Accion Opportunity Fund: Accion Opportunity Fund is a CDFI providing small-business loans to underserved borrowers, including SBA-guaranteed products. It shares Thomas Financial's underserved-market focus but operates at smaller scale and with a community-development mandate.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Thomas USAF social profiles
Digital presenceThomas USAF financial estimates
Financial estimateRevenue estimate
Valuation estimate
Thomas USAF leadership team
Management profileNumber of profiles
Thomas USAF funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Thomas USAF M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Thomas USAF
What does Thomas USAF do?
Thomas Financial Group is a direct originator and servicer of government-guaranteed loans, including USDA Business & Industry (B&I), Community Facilities (CF), REAP, FSA, 9003 Program, SBA 7(a), SBA 504, and C-PACE loans. The company finances small and medium-sized businesses with a specialized focus on rural and underserved markets, and also purchases loans in the secondary market. With $4 billion+ in loans originated and purchased and operations across all 50 states, the company provides creative financing solutions for complex or large projects, assistance navigating USDA and SBA processes, and structured loan arrangements.
Is Thomas USAF a public or private company?
Thomas USAF is a private company. It is classified as unknown and is currently operating.
When was Thomas USAF founded?
Thomas USAF was founded in 1979. It employs 11 to 50 people.
Where is Thomas USAF based?
Thomas USAF is headquartered in Atlanta, United States, in the North America region.
How does Thomas USAF make money?
Two revenue lines are on record. Loan Origination is the primary driver. The others are secondary Market Operations.
Who are Thomas USAF's main competitors?
Direct peers on record are Live Oak Bank, Celtic Bank, ReadyCap Lending, Newtek Business Services, Fountainhead SBF (CIBC) and National Funding. Broad incumbents are Wells Fargo and JPMorgan Chase. Emerging players are BlueVine and Accion Opportunity Fund.
Does Thomas USAF have an API?
No public API is recorded for Thomas USAF.
What industry is Thomas USAF in?
Thomas USAF's product category is Government-Guaranteed Commercial Lending. Its primary akta.pro industry code is FSAEAEAI, SBA/USDA Government-Backed Loan Intermediation, with a secondary code of FSAKAGAI, SBA/Government-Backed & Development Finance Loans. Its NAICS code is 52231 and its SIC code is 6162.