Funding structure
May be structured as a term facility or another working-capital arrangement.
All loan products
Loan product
Working capital
Flexible business funding for inventory, payroll, seasonal demand, and everyday operating expenses.
Overview
Designed around a clear funding purpose.
Working capital financing can help an established business manage the timing gap between incoming revenue and day-to-day expenses.
Inventory and supplier costs
Payroll and operating expenses
Seasonal demand
Short-term cash-flow needs
Key terms
What to expect during review.
These are general product characteristics, not an offer. Your final terms are provided only after review.
Repayment
Schedule and frequency depend on the approved facility and business profile.
Cost
Rates and fees are disclosed after review and before any agreement is accepted.
Eligibility
Information commonly considered.
Eligibility depends on the applicant, purpose, documentation, underwriting, and jurisdiction. Meeting these general factors does not guarantee approval.
Review factors
- An operating business with verifiable activity
- A clear business purpose for the funds
- Business and owner information for review
- Revenue and cash-flow documentation appropriate to the request
Next step
Discuss your working capital needs.
Share a few details with Tompkins & Trust LLC to begin a no-obligation review of possible options.