We Offer A Full Line of Business Borrowing Options To Meet Your Needs

Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 145 years.  We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business.  We know what it takes for a business to get started and to succeed.  As local bankers, we know the communities we serve and the meaning of hard work.

Experienced lenders are prepared to discuss your business lending needs and are committed to providing top-notch service with a genuine, vested interest in your success.  Because your time is valuable, all decisions at Tioga State Bank are made locally for a quick turn-around time.

• Business Equipment Loans

Business loans to purchase equipment are available with competitive rates and flexible terms. Tioga State Bank provides personal and prompt service.

• Commercial Real Estate Mortgages

Real-estate mortgages are available for the purpose of purchasing commercial real-estate, funding a new construction project, or refinancing an existing loan.

• Lines of Credit

Business lines of credit are available to help fund your operating cycle.

• Standby Letters of Credit

Tioga State Bank provides standby letters of credit.  Contact your TSB business banker for more details.

• Loans to Purchase Businesses

• Loan Participations and Guarantees

Tioga State Bank works with a number of Government Agencies including the Small Business Administration (SBA), New York Business Development Corporation (NYBDC) and County IDA/LDCs to provide funding for small businesses.

• Business Credit Cards

Tioga State Bank offers VISA® business credit cards through our partner Elan Financial Services which provide business customers a convenient and efficient way to order and purchase supplies or pay travel expenses. The monthly credit card statement provides tax information, helps to manage expense budgets and monitor cash flow.

Enjoy competitive interest rates, a variety of exciting rewards and one stop financial servicing with a VISA® business credit card. Tioga State Bank, along with our partner, Elan, offers numerous credit card options to businesses including VISA® Business credit card, VISA® Platinum Business Rewards credit card, and VISA® Business Travel credit card. Varied billing options are available as are convenient payment options. Learn more or apply for a Tioga State Bank/Elan VISA® Business Credit Card.

Existing Tioga State Bank/Elan credit card customers can access their account at My Account Access.