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Find the funds you need to grow your business — whether you're well established, a brand new start-up, or somewhere in between.

Key Features

  • Low Rates
  • Flexible Terms
  • Local Decision-Making
  • Experienced Lenders
  • Competitively low interest rates for a wide variety of business needs:
    • Working capital
    • Facility improvements
    • Inventory
    • And more
  • Flexible terms that fit your business plans
  • Fast decision-making and local processing
  • Professional service you can trust from Western New York lenders

MAIN OFFICE – ONE STEUBEN SQUARE, HORNELL NY 14843

James M. Knapp
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 544201
Phone: (607) 324-9670 

Mark J. Young
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS #
Phone: (607) 324-9524 

Christopher M. Brewer
Commercial Lender
Consumer Lender
NMLS # 446315
Phone: (607) 324-9619 

CLARENCE OFFICE – 8503 MAIN STREET, WILLIAMSVILLE, NY 14221

Anthony M. Lanza
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS #471110
Phone 716-650-4230 

GENESEO OFFICE – 11 MEGAN DRIVE, GENESEO, NY 14454

Craig W. Nobbs
Residential Mortgage Lender
Home Equity Loan and Line Lender
Commercial Lender
Consumer Lender
NMLS # 685575
Phone: (585) 243-0380 

Jakob M. Rease
Commercial Lender
Consumer Lender
Phone: (585) 243-0380

HENRIETTA OFFICE – 20 WILDBRIAR ROAD, HENRIETTA, NY 14623

Gregory J. Wood
Commercial Lender
Consumer Lender
NMLS # 1153823
Phone: (585) 359-0247 

WARSAW OFFICE – 2490 NORTH MAIN STREET, P.O. BOX 232, WARSAW, NY 14569

Hans R. Kunze
Commercial Lender
Consumer Lender
Phone: (585) 786-0261