Business Loans
competitive lending Options
Our lending products are tailored to help your business grow, adapt, and succeed at every stage. Whether you need a flexible line of credit to manage cash flow, a term loan for business expansion, or financing for commercial real estate, we provide competitive rates and personalized solutions. Our experienced team works closely with you to understand your unique needs and offer the right financing options to support your goals. With a focus on local businesses, we are committed to helping you secure the funding you need to thrive in a competitive market.
Apply for a Business LoanDownload our Business Application Forms
Grow your business with a Commercial Real Estate Loan
- Purchase or Renovate Property
- Commercial Property Purchase

Commercial Term Loan
Invest in your business
- Equipment Purchases
- Debt Refinancing
- Expansions
- Property Purchase

Line of Credit
Ideal for small businesses
Line of Credit Ideal for Businesses of All Sizes
- The smart choice when you need fast, flexible access to short-term funding
- Perfect for businesses of all sizes to manage cash flow efficiently
- Access funds quickly for unexpected expenses, inventory purchases, or urgent needs
- Competitive interest rates designed to keep borrowing costs low
- Flexible repayment terms that align with your business’s cash flow

Save Big with a Cornerstone VISA® Business Credit Card!
With rates as low as 9.90% APR*, you can’t go wrong when you choose Cornerstone as your business’ trusted financial partner. We don’t just offer great rates either, with Cornerstone you get access to SPEND | Track for free!
Contact us at BusinessLending@ccfcu.org to get started today.
What is SPEND|Track?
SPEND|Track is an easy-to-use, scalable online application that allows businesses to consolidate administrative activities and tasks like:
- making payments
- viewing transactions
- requesting a card
- submitting/viewing/approving expense reports
- opening/managing employee accounts
- managing credit lines
- creating management reports

Recent Commercial Real Estate Projects
The Coit House, 414 Virginia St., Buffalo

30-44 Main St. Lockport

507 Niagara St. in Buffalo

The Eleanor Apartments

585 Niagara Street, Buffalo
