Business Lending

No matter the size of your business, we can help with your lending needs. We offer creative financing and prompt responses to loan requests, plus quality customer service, competitive rates and business lending expertise.

Lines of Credit

For working capital or recurring financial needs.

Term Loans

Can be used to purchase equipment or finance other capital expenditures related to your business. Term-loan financing is available for periods up to seven years.

Commercial Mortgages

Available for the purchase, refinance or improvement of commercial properties. Terms up to 20 years.

Other Loans

We also offer the following other loan programs:

• Letters of Credit
• Tax-Exempt Financing for Fire Companies
• Business Credit Cards 

Lending Partners

We work with the following lending partners; visit their websites for more information on their services:

• This link opens in new tab: Small Business Administration (SBA)
• This link opens in new tab: United States Department of Agriculture (USDA)
• This link opens in new tab: Job Development Authority Direct Loan Program (Empire State Development) 
• This link opens in new tab: New York Small Business Development Center (SBDC) 
• This link opens in new tab: New York State Linked Deposit Program (LDP) 
• This link opens in new tab: Pursuit (Formerly NYBDC) 
• Pursuit (SmartLoan) (Formerly NYBDC or Excelsior Growth Fund)
• Various local economic development entities and their loan programs

Meet Our Team

Our experienced Corporate Banking Officers are available to answer questions and find the right loan to meet your business’ financing needs.

For more information on Business Loans, call (518) 583-3114.