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 and competitive rates.

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 eight 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:

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

Meet Our Team

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

For more information on Business Lending, call (518) 793-4121.