Business Loans

TSB Offers a Full Line of Business Borrowing Options!

Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 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 Tioga State Bank 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.


Emergency Responder Financing

Personalized banking solutions and financing available for Emergency Responder Municipalities and Organizations.


Business Credit Cards

Elan Financial Services offers VISA® business credit cards on behalf of Tioga State Bank and provides 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.

Varied billing options are available as are convenient payment options. Learn more or apply for an Elan-Tioga State Bank VISA® Business Credit Card.

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


Commercial Loans