Lending
solutions,
simplified.

Who is CBS?

Cooperative Business Services offers a comprehensive, end-to-end commercial lending solution that empowers financial institutions with cutting-edge software, expert services, and strategic business development resources. Additionally, we support borrowers by providing tailored business loans designed to fuel growth and success.

For Lenders

We offer a full suite of commercial lending
services, including:

  • Underwriting
  • Portfolio Management
  • Participations
  • Loan Workout
  • Professional Consulting
  • Construction Management
  • And more
For Lenders

Commercial Lending Software for Credit Unions

Discover our cutting-edge software solution designed to enhance
your lending processes.

ExRA – Loan Portfolio Management Software

ExRA gives you access to real-time portfolio performance metrics to help you make informed decisions about your commercial portfolio. From dashboard reporting that highlights commercial lending concentrations to CECL reserve recommendations, our team provides the risk analytics expertise and relationships you can trust.

For Lenders

Expand Your Lending Network with our SBDO Program

CBS’ Shared Business Development Officers (SBDOs) bring deep commercial lending expertise to help you originate loans with competitive rates and terms. Serving as the face of your credit union, SBDOs represent your brand at community and networking events — building relationships, driving growth, and expanding your lending reach.

For Lenders

Resources for
Credit Unions

Vendor Due Diligence

Access resources to assess vendor reliability and ensure compliance in financial transactions.

Secure Uploads & Downloads

A safe and encrypted platform for exchanging critical financial documents.

For Borrowers

Loans We Offer

Commercial Real Estate Loans

Our commercial real estate loans can be used to purchase or refinance commercial, industrial and/or investment properties.

SBA 7(a)
Loans

Our SBA 7(a) loans provide small business borrowers access to purchase, construct, or refinance owner-occupied real estate.

SBA 504
Loans

Our SBA 504 loans provide small businesses access to land and building purchases, construction or renovation, and machinery and equipment purchases.

Construction
Loans

Our construction loans are short-term, specialized loans used to finance the building or renovation of owner occupied or investment properties.

For Borrowers

Resources for
Borrowers

Mortgage & Loan Calculator

Easily calculate mortgage payments and loan terms with our intuitive financial tool.

Secure Uploads & Downloads

A safe and encrypted platform for exchanging critical financial documents.

Testimonials

Success Stories from Partners


Commercial Lending
Solutions

You Can Count On