Welcome to Thombar: Banking Built for Specialty Crop Growers

Welcome to Thombar

We started Thombar because specialty crop growers run some of the most complex, capital-intensive businesses in the country, yet their financial tools weren't built for how they actually operate.

We set out to do three things:

First, deliver an online banking* experience built around the realities of specialty crop operations, including seasonality, labor timing, and uneven cash flow

Second, give growers clearer visibility into their finances so they can make better decisions during the parts of the season when timing matters most

Third, help strengthen the resilience of domestic specialty agriculture

We’re not fully there yet, but we're excited to share what we've built so far.

What we have today

Thombar provides FDIC-insured checking accounts with competitive interest rates up to 2.75%**, up to a $150,000 line of credit***, perks tailored to specialty crops worth over $30,000, and an onboarding process that doesn't assume you operate like a generic small business. Everything is online and built to respect how seasonal agriculture actually works.

We spent a lot of time on the fundamentals: simple onboarding, clear visibility into money movement, fewer surprises.

What's coming

There is much more ahead. We are building tools that help growers understand, plan for, and navigate financial risk across the season, not just track what already happened.  

That includes deeper cash flow insights tied to crop cycles, tools that help plan around harvest timing, labor costs, and other major financial decisions growers face during the season, and partnerships that make it easier to operate, adapt, and stay in business over the long term.

Over time, Thombar is meant to become a single place growers can manage the financial side of their operation as conditions change.

Let's talk

We're building this alongside growers, and we'd love to hear any and all feedback you have. If you have questions, ideas, or just want to tell us what’s on your mind, reach out at liron@thombar.ag (the CEO's direct email).

Welcome to Thombar.

*Thombar is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Thombar Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

**Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly. Total balances less than $50,000 earn up to 1.00% APY. Total balances between $50,000 and $249,999 earn up to 1.875%. Total balances of $250,000 or more earn up to 2.75% APY.

***Lines of credit are provided by Fundbox. Fundbox makes capital available to businesses through business loans and lines of credit originated by First Electronic Bank or Lead Bank. California businesses: Fundbox makes business loans and lines of credit loans pursuant to California Financing Law license 60DBO-48774. All financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.