Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Access your accounts

Anytime. Anywhere.


Man working, standing at his table and on his computer.

Business Loans

We've Got Options for You

Tompkins Trust Company offers local decision making and flexible service with a suite of financial products that give you and your business the financial support you need, when you need it.  We make our credit decisions locally so we can be flexible to create solutions to fit your particular business type, seasonal flows, and management strategies. An experienced business banker works with you to understand your business needs and to customize the right credit solutions.


Lightning Loans Logo

Apply for a business loan wherever you are, whenever you want - with the community bank you know and trust. 

  • Apply Online in minutes. You don't even need to come into the bank.
  • You'll get a decision in days. In many cases, even quicker.
  • It's easy. Our online process is simple and streamlined. It only takes about 15 minutes.  

BUSINESS OVERDRAFT PROTECTION

For those who'd like to add overdraft protection to your business checking account.

  • Unsecured line of credit for maximum flexibility
  • Prevents overdraft charges and avoids returned checks
  • Convenient automatic payments from your Tompkins Trust Company business checking account
  • Credit amounts up to $15,000

BUSINESS INSTALLMENT LOANS

For those who need funds for the purchase of equipment vehicles, inventory or other capital goods, plus business expansion.

  • Fixed monthly payments help you manage your budget
  • Cover long-term expenditures without depleting your savings or the availability on your business line of credit
  • Convenient automatic payments from your Tompkins Trust Company business checking account
  • Credit amounts from $5,000; Terms up to 60 months
  • Larger loans available through our Commercial Lending Team

BUSINESS LINES OF CREDIT

Your business needs cash to bolster short-term working capital for inventory, accounts receivable, special projects and seasonal fluctuations

  • A revolving line of credit that allows you to draw up to your credit limit, pay funds back and then use again
  • Convenient automatic payments from your Tompkins Trust Company business checking account
  • Credit line amounts from $10,000
  • Larger lines of credit also available through our Commercial Lending team

COMMERCIAL MORTGAGES

For those who will be purchasing or refinancing commercial real estate.

  • Flexible payment terms to suit your business needs
  • Convenient automatic payments from your Tompkins Trust Company business checking account
  • Equity secured loan

EQUIPMENT LEASING

For those whose needs include heavy equipment, office technology, or other capital intensive depreciable items.

  • Leasing provides you with the use of equipment at a low monthly cost with flexible payment options
  • Conservation of capital with 100% financing
  • Fixed rates
  • Flexible lease and options
  • Possible tax benefits - speak with your tax advisor for details

BUSINESS VISA CREDIT CARDS

For those who'd like to streamline your business and employee expense record keeping.

  • Allows you to separate business and personal expenses
  • Helps you manage cash-flow and track spending
  • Competitive rates and card options available







man viewing lightning loans with tablet

LIGHTNING LOANS

FAST AND EASY BUSINESS LOANS

Running a business is complicated enough. If you’re in need of a business loan, we can simplify the process.  Apply online in minutes wherever and whenever it’s convenient for you.

Apply Now