Business Banking

You have more important things to worry about. Let us handle the finances.

Your business is your first priority, and you’re ours.

When you’re looking for reliable banking for your business, you want a partner who works for you, not just your money.


At Luminate Bank, we offer a wide variety of business banking solutions designed to keep your operations running smoothly. While you focus on your short- and long-term goals, we’ll help safeguard your assets and protect your funds.

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Business Checking

Our business checking accounts make managing day-to-day operations simple and stress-free. Explore options that fit your unique needs and help keep your finances organized, efficient, and ready for growth.

Business Checking
Man in apron stands at a store counter, looking down. Behind him is a small painting.

Business Savings

Put your money where it can work for you. Our business savings account options keep your funds safe and secure, while giving you the reassurance that your business is prepared for the future.

Business Savings
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Treasury Management

Maximize value, streamline operations, and take control of your cash flow. Our treasury management solutions help minimize expenses, optimize liquidity, and give you the tools you need to achieve your business objectives.

Treasury Management
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Business Certificates of Deposit (CDs)

Lock in a competitive rate and save for your business goals with a Luminate Bank CD. Whether you’re planning for a short-term purchase or a long-term investment, your funds are FDIC-insured up to the legal limit for added peace of mind.

Business CDs

Business Loans & Financing Solutions

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Business Term Loans

Fuel your growth or smooth out cash flow fluctuations with flexible term loans. Perfect for equipment purchases, owner buyouts, acquisition financing, and more — with predictable monthly principal and interest payments to keep you on track.



Two credit cards.

Business Lines of Credit

Stay ready for whatever comes next. Our revolving lines of credit give you quick access to funds for short-term needs so you can manage cash flow, seize opportunities, and grow on your terms.


Features:

  • Manage cash flow effectively
  • Flexible funding access
  • Support for seasonal or unexpected expenses
Buildings silhouette.

Commercial Real Estate Loans

Acquiring or refinancing commercial property has never been easier. Work one-on-one with our lending experts to finance properties such as:



  • Apartments
  • Business offices
  • Retail
  • Residential homes owned in LLCs
  • And more!

Ready to move your business forward?

No matter your goals, Luminate Bank is here to help you make them happen. Our business banking experts are ready to listen, understand your needs, and create a plan that works for you, so you can focus on running your business while we handle the rest.

Person writing on box labeled

The Rise of Mortgage-Free Living: What It Means for Downsizers

By Luminate Marketing Team • September 26, 2025
More homeowners are buying their next house outright, without taking on a new mortgage. And if you’ve owned your home for a while, you may be able to do the same. No mortgage. No monthly housing payments.
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Why Mortgage Rates Went Up After the Fed Cut Rates

By Luminate Marketing Team • September 19, 2025
Shouldn’t cheaper borrowing from the Fed mean more affordable home loans for buyers? Unfortunately, the reality is more complex.
Person in suit holding phone with floating app notification icons.

Trigger Leads Are Ending: What That Means for Your Homebuying Journey

By Luminate Marketing Team • September 12, 2025
Learn how the new Homebuyers Privacy Protection Act protects your information and simplifies your homebuying journey with Luminate Bank.
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