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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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  • Flexible lending options

  • Easy access to dedicated, experienced lenders

  • Competitive pricing

  • Local commitment, local servicing

Commercial Lending

At Adirondack Trust, we understand that many business opportunities demand fast, flexible financing. Whether you need short-term working capital, or a commercial mortgage, start-up funds or a bridge loan, our experienced Commercial Lending Officers will help you select from a wide range of funding options.

Lines of Credit


Borrow money quickly, for whatever reason – with a simple phone call. You can use your credit line (secured or unsecured) to increase working capital, fund investments, take trade discounts, improve liquidity, meet short-term cash needs or finance receivables and inventory.
(Credit approval required)

Business Express Line of Credit

Designed with your small business in mind, you can use your credit line to increase your working capital—up to $25,000 for trade discounts, meet short-term cash needs, or finance account receivables and inventory. Access to the Business Express Line of Credit is easy, simply use your ATC Visa® Business Debit Card or WebWise® online banking. Plus, there are no fees, and you’ll get a loan decision within two business days. (Credit approval required.)


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Term Loans


Perfect for medium- to long-term needs, such as business expansion, acquisitions, debt-restructuring, purchase of equipment and permanent working capital. They are made in the form of a lump-sum disbursement, paid back over a specific period. Term Loans (secured or unsecured) can provide you with a fixed amount up to seven years and can be used for most any business need.
(Credit approval required)

Business Express Term Loan

Our Business Express Term Loan is perfect for medium-term needs, such as business expansion, acquisitions, debt-restructuring, purchase of equipment, and permanent working capital made in the form of a lump-sum disbursement and paid back over a specific period of time. Borrow up to $150,000. No down payment required, and you’ll get a loan decision within two business days. (Credit approval required.)

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SBA Lending


The Adirondack Trust Company is a participant in the Small Business Administration's Preferred Lender Program "PLP” which creates a streamlined borrowing process for small businesses. We offer a full complement of SBA products including the Express, 7 (a) and 504 Loan Programs, providing financing for working capital, equipment and real estate purchases and business acquisitions. For 13 years we have been named the #1 Small Community Bank Lender in the Capital Region by the SBA.
(Credit approval required)


Business Visa® Credit Card


With its purchasing convenience, cost savings, available credit, and detailed reporting, the Visa Business Credit card offers what your business needs. As a Visa Business credit cardholder, you will enjoy special savings and privileges with a variety of benefits:


  • Use your Visa® Business Card wherever you see the Visa® logo
  • Keep you personal and business expenses separate for ease in management
  • Track all expenses related to your business
  • Download transactions to popular financial management software (Quickbooks®, Quicken®)
  • Improve your cash flow with flexible repayment terms
  • Individual card and cash limits for each authorized employee
  • Consolidated monthly statement showing each employees' charges
  • Year-end Summary which shows total spending for the year and by each type of business category


(Credit approval required)

 

Getting Started


For additional information or to arrange an appointment with a commercial lending officer please call us at 518-584-5844 or email us.