Your Business > Financing

Business Financing

What makes CNB Business Financing different?  Your business is here, we believe your bank should be too.  Our business loan officers average over 20 years of lending experience in the Greater Rochester Area.  This local knowledge allows us to understand the local economy and your business environment.  Best of all, we make all of our decisions locally. 

Business Financing Solutions:

  • Lines of Credit - Borrowing flexibility for short term or seasonal cash needs.
  • Term Loans - Fixed terms and payment structures tailored to meet your needs.
  • Commercial Mortgages - Short term and permanent real estate financing.
  • Construction/Renovation - Property/facility acquisition, construction, expansion, renovation.
  • Letters of Credit - Commercial, Standby, and International Letter of Credit expertise.
  • International Trade - Access credit products leveraging local and global resources.
  • Government-Guaranteed - SBA, Economic Development, Agriculture, Industrial and more.
  • Business ChexMate - Overdraft protection; line of credit for larger purchases.
  • Business Credit Card - Individual card controls, account management and reporting.

Subject to credit approval.


Local Decision Making

Right Where you Need Us

Local Decision Making.

Whether you're starting up, or growing your business, our experienced lending professionals will find the right loan for you.  Work with your local CNB Office or with our Commercial Services Group for larger, more complex requests.

C Vita

Experienced Commercial Lenders

Strong Relationships.

Unlike larger financial institutions, CNB Commercial Services' incredibly low staff turnover ensures that you will have the guidance of your Relationship Manager for many years to come.

Resource Center

Your Online Business Center

Articles, Quick Links and More.

Our resource center provides commonly used forms, user guides, newsletters, articles and more. Links are available to the Personal Financial Statement to provide us with your annual updates or our Business Credit Application.   

Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB offers a full range of banking services, including personal and commercial banking, trust and investment services, and insurance and payroll services. With CNB, you get access to business financing solutions tailored to fit your business’ specific needs including lines of credit, term loans, commercial mortgages, construction/renovation loans, letters of credit, international trade, government-guaranteed, overdraft protection and more.