Business Banking

Commercial Loans

Let CS Help You on the Path to Business Success

At CS, our commitment to community means investing in businesses throughout Cattaraugus, Chautauqua, and Erie counties. Whether you want to expand your business, increase working capital, or purchase new equipment, CS has the right lending solution for you and your business.

Commercial Term Loans


Don’t wait for accounts receivable to boost your bottom line

  • Competitive interest rates for a wide range of business expenses including business acquisitions, new or upgraded equipment, facility improvements, and more
  • Affordable payment plans and repayment terms that accommodate your budget
  • Fast decision-making and processing
  • Personal, customized service from start to finish

Commercial Lines of Credit


For ongoing needs that require ongoing financing

  • Competitive rates for a wide range of long-term or seasonal business needs including seasonal fluctuations, inventory, capitalizing on trade discounts, working capital, and more
  • Provides greater financial flexibility
  • Funds available right as you need them; apply once then use again as needed
  • Revolving credit – as principal is repaid, more becomes available for use
  • Only pay interest on what’s used
  • Funds directly deposit to your operating account

Commercial Real Estate Loans


Let us help your business find the right place to call home

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied or investment properties
  • Repayment terms that accommodate your business budget
  • Lending professionals with working knowledge of the local real estate market

Equipment Loans


The tools you need at a price you can afford

  • Competitive rates for new or used equipment
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition
  • Avoid lapsed periods in production and outdated equipment

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