Let’s invest in the future of your business.
We are a proud and dedicated supporter of local businesses and economies. One way we do this is by offering a variety of loan and lending solutions, so business can grow and achieve long-term success no matter what the industry.
- Home
- Business Lending
Our lending team can help your business:
- Utilize operating lines of credit for short-term working capital, accounts receivable, inventory financing, or other immediate needs
- Enjoy quick approval on term loans that help you expand your business and purchase equipment with flexible repayment terms
- Choose mortgages and other real estate financing for construction, renovation, capital improvements, and more
We partner with other organizations to put the best financing packages together for your business needs. These organizations include:
- Small Business Administration
- Farm Service Agency
- USDA Rural Development Business and Industry Loan Guarantee
- County economic and industrial development agencies
- Empire State Development Linked Deposit Program
New York State Energy - Research and Development Authority (NYSERDA)
Loan Guide: Getting Approved
To process your loan request, we will need the following:
- 3 years of business tax returns or financial statements
- 3 years of personal tax returns
- Completed LNB Personal Financial Statement
- Completed LNB Business Credit Application
Next step: Contact LNB’s Lending Team and let’s get started.
Useful tools and calculators:
Access home financing, personal financing, investment, retirement or lease calculators to help you get the information you need.
Meet your Commercial Lending Team
Clair J. Britt, Jr.
Executive Vice President & Chief Commercial Loan Officer
Ryan M. Hallings
Senior Vice President & Commercial/Agricultural Loan Officer
Stephen V. D’Orazio
Vice President & Commercial Loan Officer
Mark J. DeBacco
Vice President & Commercial Loan Officer
Michael A. Fratto
Vice President & Commercial Loan Officer
James H. King
Vice President & Commercial Loan Officer
Scott A. MacKenzie
Vice President/ Commercial & Agricultural Loan Officer
Todd L. Borsa
Assistant Vice President/ Commercial Loan Officer
Michael Rusinko
Assistant Vice President/
Commercial Loan Officer
Kraig M. vonHahmann
Assistant Vice President/ Commercial & Agricultural Loan Officer
Joshua DeSain
Commercial/Agricultural Loan Representative
Mackenzie M. Roberts
Commercial/Agricultural Loan Officer
Justin J. Sinisi
Commercial/Agricultural Loan Representative
Software Update
LNB will be performing a software update on Saturday, November 18, beginning at 8 p.m. EST. It will take approximately
Holiday Closing
In observance of Thanksgiving Day, all LNB offices will be closed on Thursday, November 23, 2023. Offices will re-open on
