Business Loans

Tompkins Bank of Castile 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.

Lightening Loans TBOC

NEW:  Apply for a business loan wherever you are, whenever you want, with the assurance of it being from the community bank you know and trust. 

  • Apply Online in minutes. You don't even need to come into the bank to apply.
  • 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. 

Loan Type Best For Your Business If How it Benefits Your Business
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 Bank of Castile business checking account
  • Credit amounts from $5,000
Apply Online or Download an 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 - $350,000; Terms up to 60 months
  • Larger loans available through our Commercial Lending Team
Apply Online or Download an 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 Bank of Castile business checking account
  • Credit line amounts from $10,000 to $350,000
  • Larger lines of credit also available through our Commercial Lending team
Apply Online or Download an 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 Bank of Castile business checking account
  • Equity secured loan
  • Small Business Administration loans
Apply Online or Download an application
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
Download an application 
Agriculture Lending** Your business needs include financing for agribusiness

Our dedicated team of agricultural loan experts can assist you with:

  • Agricultural loan terms
  • Farm mortgages
  • Revolving lines of credit
  • Farm service agency loans
Apply Online
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
Apply now

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

**Subject to credit approval.