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In observance of Juneteenth, all LNB offices will be closed on Wednesday, June 19, 2024. Read More

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Give us a call or visit one of our branches Monday – Friday

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.


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

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