Business: Business Loans & Commercial Mortgages

  • Business Loans

  • 1st National Bank of Scotia understands the needs of small and large businesses. Our priority is to provide you with prompt, professional service whether you need a commercial mortgage or a loan to obtain equipment, purchase inventory, or develop new merchandise. You'll get the answers you need quickly because we make loan decisions locally.

  • Lines of Credit

  • Let 1st National help you establish a commercial credit line to meet your short term financing needs.

  • Government Loan Programs

  • Our lenders can assist you in securing funds available through government, state, and other local agencies such as the United States Small Business Administration, Empire State Development Linked Deposit Program and NYSERDA.

  • Commercial Equipment and Vehicle Financing

  • From equipment financing to specialized vehicle purchases, our commercial lenders can customize a product to meet your borrowing needs.

  • Commercial Mortgages

  • 1st National's brand of personal service ensures that your commercial mortgage will be tailored to suit your needs. When you come to the Family Bank, you will get prompt local decisions and competitive programs from bankers that live and work in your community.

  • Fixed Rate Mortgages:
  • With terms as long as 15 years, 1st National has some of the most aggressive long-term mortgages available locally, giving you the peace of mind that your payment will remain the same for the term of the loan.

  • Adjustable Rate Mortgages:
  • Our adjustable rate mortgage programs are designed to help you take advantage of the current rate market, with rates and payments that fluctuate over time. Available with terms up to 20 years and interest rates based on 1-year, 3-year, or 5 year Treasury Bills.

  • Email us to have a mortgage professional contact you. Please give a short description of what you are interested in, and a telephone number so we may contact you.

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