Lightning Loans

Change your business in a flash.

The faster, easier, online way to get a business loan.

How long does it take to transform your business? To upgrade your equipment? To seize that last-minute opportunity? With traditional loan applications, it can be a few weeks. But by then, things may have changed. With Tompkins Lightning Loans, you can apply online—quickly, securely, and easily—for a business loan or line of credit and get a decision in minutes.

  • Apply online—anywhere, any time.
  • Apply for up to $50,000 and get a decision in minutes.
  • We’re local. Have a question? Need some help? Come into one of our branches and we’ll walk you through it.
  • It’s easy. Our online application is streamlined and simple and only takes about 15 minutes.
  • It’s secure. We use secure encryption techniques and authentication procedures for all applications.

Enter your business county below to start your application.

Tompkins understands the needs of businesses of all sizes, and we’ve got the products to fit your needs. Check out our business loans, business checking accounts and cash management services.

Complete applications for loan amounts $50,000 or less receive a credit decision in minutes. Timeframe is subject to completeness and accuracy of information supplied by the applicant, and timely responses to requests for additional information. Applicants must enter their business county to begin the application process; if the county indicated falls outside of Tompkins’ designated service area, the applicant will be instructed to contact a branch. A Tompkins Business checking account with autopay is required. Applicants will be asked to provide their business name and address, guarantors equaling 100% ownership, and organizational documents showing ownership based on the organization type. Non-profits and entities in business less than two years are not eligible. Average credit score of 720 for guarantors is required. Credit products offered by Tompkins Community Bank and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply. Financing maximums and terms are determined by borrower qualifications and use of funds.