Business Lending

Tompkins Trust Company offers local decision making and flexible service with a suite of financial products that give 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.

Loan Type Best For Your Business If How it Benefits Your Business
Business Visa Credit Cards*

You'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

Click here to apply now

Business Overdraft Protection** You'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
 

Click here to download application

Business Installment Loans** You 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

Click here to download application

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

Click here to download application

Commercial Mortgages** You 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

Click here to request more information

Equipment Leasing**

Your business 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

Click here to request more information

 

*Elan is the creditor, issuer and service provider. Subject to credit approval.

**Subject to credit approval.

Business