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Tom McFee

Senior Loan Officer

Tom McFee

SBA Loans & Government Programs

Tom McFee brings over 18 years of commercial lending experience to Indymae, with a deep-rooted focus on SBA 7(a) and SBA 504 loan programs. He has helped hundreds of small business owners secure government-backed financing to launch, expand, and sustain their operations across a wide range of industries.

Before joining Indymae, Tom spent a decade at a regional bank where he built and led their SBA lending division, personally closing over $200 million in government-guaranteed loans. His intimate knowledge of SBA compliance, underwriting standards, and lender eligibility requirements makes him one of the most sought-after advisors in the space.

Tom is known for his patient, consultative approach — breaking down complex federal programs into clear, actionable plans for his clients. When he's not structuring deals, he volunteers with SCORE as a small business mentor and coaches youth baseball in his community.

"The right loan structure can turn a small business dream into a generational legacy."

— Tom McFee

Areas of Expertise

  • SBA 7(a) & 504 Loan Programs
  • Government-Backed Financing
  • Small Business Underwriting
  • Loan Compliance & Documentation
  • Business Acquisition Financing
  • Credit Analysis & Structuring

Work with Tom

Ready to explore your financing options? Tom is here to help.

Published Articles

Written by Tom

Cape Coral FL SBA 7(a) Loan Guide for Entrepreneurs 2026

SBA Loans Cape Coral FL

Cape Coral FL SBA 7(a) Loan Guide for Entrepreneurs 2026

Discover how Cape Coral FL entrepreneurs can use SBA 7(a) loans to fund growth. Rates, eligibility, loan types, and local tips covered for 2026.

2026-10-08

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SBA Loans for Kenwood St. Petersburg Businesses 2026

SBA Loans St. Petersburg FL Neighborhoods

SBA Loans for Kenwood St. Petersburg Businesses 2026

Discover SBA loan options for Kenwood St. Petersburg FL small businesses. Real rates, eligibility rules, and how Indymae can help you grow in 2026.

2026-09-28

Read
SBA 504 Loan for Commercial Real Estate in Miami FL 2026

SBA Loans Miami FL

SBA 504 Loan for Commercial Real Estate in Miami FL 2026

Discover how the SBA 504 loan can help Miami FL business owners purchase commercial real estate with low down payments and fixed rates in 2026.

2026-09-07

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SBA Loans for Commercial Real Estate in Gatlin, Port St. Lucie 2026

SBA Loans Port St. Lucie FL Neighborhoods

SBA Loans for Commercial Real Estate in Gatlin, Port St. Lucie 2026

Discover how SBA loans can help Gatlin, Port St. Lucie business owners purchase or refinance commercial real estate. Real rates, real numbers, expert guidance.

2026-09-04

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Commercial Real Estate SBA Loans in Southeast Cape Coral 2026

SBA Loans Cape Coral FL Neighborhoods

Commercial Real Estate SBA Loans in Southeast Cape Coral 2026

Discover how SBA loans can fund commercial real estate in Southeast Cape Coral, FL. Rates, eligibility, and expert guidance from Indymae for 2026.

2026-08-23

Read
SBA 7(a) Prepayment Penalties Explained for Business Owners (2026)

SBA 7(a) Loans

SBA 7(a) Prepayment Penalties Explained for Business Owners (2026)

Learn exactly when SBA 7(a) prepayment penalties apply, how much they cost, and smart strategies to minimize fees when paying off your loan early.

2026-08-18

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Minority-Owned Business SBA Loans in Perry & Warner Robins GA 2026

SBA Loans Warner Robins GA Neighborhoods

Minority-Owned Business SBA Loans in Perry & Warner Robins GA 2026

Discover SBA loan options for minority-owned businesses in Perry and Warner Robins, GA. Real numbers, eligibility rules, and local guidance from Indymae.

2026-08-17

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SBA Loans for Miami Real Estate Businesses 2026

SBA Loans Miami FL

SBA Loans for Miami Real Estate Businesses 2026

Discover how Miami real estate businesses can leverage SBA loans in 2026. Rates, eligibility, loan types, and local tips from Indymae's lending experts.

2026-08-09

Read
SBA Loans for Florida Construction Companies: 2026 Guide

SBA Loans Florida

SBA Loans for Florida Construction Companies: 2026 Guide

Florida construction companies can unlock growth with SBA loans. Compare 7(a) rates, eligibility rules, and how to apply with Indymae in 2026.

2026-08-08

Read
SBA Affiliation Rules Explained: What Business Owners Must Know in 2026

SBA Eligibility

SBA Affiliation Rules Explained: What Business Owners Must Know in 2026

SBA affiliation rules can make or break your loan eligibility. Learn how these rules work, who they affect, and how to stay compliant in 2026.

2026-08-07

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SBA Loans for Medlock Bridge Johns Creek Businesses 2026

SBA Loans Johns Creek GA Neighborhoods

SBA Loans for Medlock Bridge Johns Creek Businesses 2026

Discover SBA loan options for Medlock Bridge Johns Creek, GA businesses. Real rates, eligibility rules, and local financing guidance from Indymae.

2026-08-05

Read
CDC Certified Development Company Explained: SBA 504 Guide 2026

SBA 504 Loans

CDC Certified Development Company Explained: SBA 504 Guide 2026

Learn what a CDC is, how it works with SBA 504 loans, and how small businesses use it to finance commercial real estate and equipment in 2026.

2026-07-26

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