We want to be your business partner

Your business, is personal.

At CAP COM, we understand that your business is personal. That’s why we offer a full suite of products and services tailored to help your business grow. From real-estate and equipment loans, to merchant services and commercial lines of credit, we have the tools you need to thrive.

Local market expertise

Local decision making.

With a 60 year history in New York’s Capital Region, a team of experienced local business banking professionals and a network of branches throughout the heart of Tech Valley, CAP COM is uniquely positioned to help identify and capitalize on opportunities to grow your business.

Business Deposit Products

Help your business grow and prosper.

CAP COM’s business deposit products and services include competitive dividend-bearing accounts, low fees, ACH transactions, wireless capabilities and more to help your business grow and prosper. Follow the links below to learn more, or to get started today.

Cash Management

Streamline your financial workflows and reduce expenses with secure and efficient Cash Management solutions. Let us customize a suite of services, so you can manage your company’s daily cash flow, risk, and reporting from your secure Business Banking portal. Accelerate the processing of incoming funds and outgoing payments with Automated Clearing House (ACH), simplify payments with online Bill Pay, and deposit checks electronically with Remote Deposit Capture.

Business Lending

Maximize your returns.

With quick turnaround, local decision making, and no prepayment penalties, CAP COM’s business lending products let you react to new opportunities at the speed of business. We can customize a lending solution to fit your company’s needs and help you maximize the return on your business investment.

Merchant Services

What your business needs, and your customers demand.

In today's ever-changing marketplace, offering multiple payment options is no longer a luxury, it's a necessity. We've partnered with East Commerce Solutions, Inc. (ECS) to help you set up the merchant services your business needs and your customers demand; in-store, online, or via mobile device. They also offer simple and cost-effective payroll solutions and now Remote Deposit Capture (RDC) through the purchase of a desktop check scanner. Click the East Commerce Solutions button to learn more, and contact us so we can make the introduction. 

Investment & Risk Management

We've got you covered.

You’re the expert when it comes to your business, but CAP COM’s financial professionals can help you manage the critical areas that are outside of your control, including financial risks, tax planning, insurance and investment options. Speak with an advisor at CAP COM Financial Services today.