-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 MEncRiXY2n5PJyADn+YKx+PtjsxyzCCRbRe6/kEUS8A/MPWCudZLIvV2vsRmi6+n
 OKGIceSCNLoRmCQowGuAMg==

<SEC-DOCUMENT>0001428154-08-000002.txt : 20080509
<SEC-HEADER>0001428154-08-000002.hdr.sgml : 20080509
<ACCEPTANCE-DATETIME>20080509114526
ACCESSION NUMBER:		0001428154-08-000002
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20080508
FILED AS OF DATE:		20080509
DATE AS OF CHANGE:		20080509

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			HENRY JEROME F JR
		CENTRAL INDEX KEY:			0001209271

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25287
		FILM NUMBER:		08816836

	MAIL ADDRESS:	
		STREET 1:		116 EAST BERRY STREET
		STREET 2:		STE 910
		CITY:			FORT WAYNE
		STATE:			IN
		ZIP:			46802

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			TOWER FINANCIAL CORP
		CENTRAL INDEX KEY:			0001072847
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				352051170
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		116 E BERRY ST
		STREET 2:		N/A
		CITY:			FORT WAYNE
		STATE:			IN
		ZIP:			46802
		BUSINESS PHONE:		260-427-7000

	MAIL ADDRESS:	
		STREET 1:		116 E BERRY ST
		STREET 2:		N/A
		CITY:			FORT WAYNE
		STATE:			IN
		ZIP:			46802
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-05-08</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001072847</issuerCik>
        <issuerName>TOWER FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>TOFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001209271</rptOwnerCik>
            <rptOwnerName>HENRY JEROME F JR</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>116 EAST BERRY STREET</rptOwnerStreet1>
            <rptOwnerStreet2>STE 910</rptOwnerStreet2>
            <rptOwnerCity>FORT WAYNE</rptOwnerCity>
            <rptOwnerState>IN</rptOwnerState>
            <rptOwnerZipCode>46802</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2008-05-08</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>11175</value>
                    <footnoteId id="F1"/>
                </transactionShares>
                <transactionPricePerShare>
                    <value>10</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>289708</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Represents exercise of stock options granted on January 29, 1999</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Jerome F. Henry, Jr.</signatureName>
        <signatureDate>2008-05-09</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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