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 instantly, 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)

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)

SBA Lending

The Adirondack Trust Company is an approved “SBA Express” Lender and offers a full complement of SBA products including the Express Program, Basic 7 (a) Loan Program, and SBA 504 Loan Program, lines of credit, equipment financing and real estate loans. For the past eleven years we have been named the number-one small community bank lender in the Capital Region by the SBA.
(Credit approval required)

Business Express Line of Credit

With this line of credit, you can directly advance funds via WebWise® Online Banking to your checking account. This flexibility and control saves you time so you can take advances from your line when it is most convenient to you. The Business Express Line of Credit also doubles as an overdraft line in the event you accidentally overdraw your account, up to your approved credit limit. Plus you could save money by not having overdraft and returned check fees. Line amounts up to $30,000 are available. (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 with over 20 million locations worldwide
• 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 contact or email us.