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What's good for your business is good for our community. Tap into government-backed financing to get the job done.

Key Features

  • Government-Backed Financing
  • Low Rates
  • Lower Down Payments
  • Extended Terms
  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity1
  • Fast decision-making and local processing
  • Professional service you can trust from Western New York lenders

1Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.

  • Designed for the needs of small businesses located in qualifying rural areas
  • Eligible uses include but are not limited to:
    • Business conversion, enlargement, repair, modernization, or development
    • Purchase and development of land, easements, rights-of-way, buildings, or facilities
    • Purchase of equipment, leasehold improvements, machinery, supplies, or inventory
    • Debt refinancing when new jobs will be created and other conditions are met
    • Business and industrial acquisitions when the loan will keep the business from closing and/or save or create jobs
  • Backed by the United States Department of Agriculture (USDA)
  • Loan terms between 7 and 30 years
  • Affordable payment plans
  • Easy to apply
  • Competitive rates
  • Fast decision-making and local processing
  • Professional service you can trust from Western New York lenders
  • Designed to help both new and established family-sized farms receive financing
  • Competitively low rates to meet a wide range of agricultural needs:
    • Land
    • Livestock
    • Equipment
    • Feed
    • Seed
    • Supplies
    • Building construction
    • Farm improvements
  • Two types of farm operating loans available
  • Credit approval required
  • 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: 716-906-3319

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