When you are looking to finance your business,

Thomas Financial Group has the expertise to provide extraordinary results. With 40+ years of experience in the government guaranteed lending space, our team is uniquely positioned to offer exceptional services to meet your business needs. Our seasoned staff, national footprint (including U.S. territories), and established relationships with lenders, USDA and SBA enable us to achieve successful results for our clients.

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Our Company History

The Thomas Financial Group Journey

Established in 1983 as Thomas USAF Group, LLC, Thomas Financial Group quickly emerged as a trailblazer in government-guaranteed lending under the leadership of Mike Thomas. From its inception, the company has been committed to delivering innovative, mission-driven financing through SBA and USDA programs—empowering rural and small businesses to access the capital they need to thrive.

Over the decades, Thomas Financial Group has earned a national reputation for its expertise in loan origination, regulatory compliance, and program innovation. The firm has played a critical role in shaping and executing loan structures aligned with evolving federal policies, particularly in key sectors such as agriculture, energy, and rural infrastructure.

In January 2025, Thomas Financial Group was acquired by Community Bankshares Inc. (CBI)—a transformative milestone that further strengthened its capacity to serve clients nationwide. CBI, which also includes Phoenix Lender Services and Community Bank & Trust (CB&T), provides a fully integrated platform of specialized lending and financial services. With the backing of the broader CBI network, Thomas Financial Group now offers expanded capabilities, enhanced resources, and an even broader geographic reach.

Today, Thomas Financial Group is one of the nation’s largest originators of USDA and SBA loans, with over $5 billion in financing delivered to businesses across all 50 states and U.S. territories. Its history reflects a steadfast commitment to economic development, community growth, and the long-term success of America’s small business sector.

The TFG Difference

Thomas Financial Group is not only a leader in loan origination but also a powerful advocate for rural and small business interests at both the state and federal levels. The firm actively engages with policymakers, trade associations, and regulatory bodies to shape legislation and improve access to government-guaranteed lending programs.

By leveraging decades of experience and deep industry relationships, Thomas Financial helps influence critical policy decisions that impact economic development nationwide. This advocacy ensures that the voices of underserved communities and industries are heard—resulting in more responsive, effective lending frameworks that drive real, lasting impact.