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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 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 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 the past thirteen 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 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.