Business Lending

Your Representative is Sam Slater (read Sam's Bio)

Cooperative Business Services, LLC (CBS, LLC) has partnered with area credit unions to provide comprehensive business lending solutions.   Our decisions are made locally which enables us to get things done quickly.  We are agile, flexible and we make common sense underwriting decisions. CBS, LLC strives to consistently deliver competitive, flexible and efficient financing solutions for our clients.

We offer both fixed and variable rate products with as little as 10% down.  We have several different loan products and Sam will diligently work with you to structure a customized financing package that best fits your individual business requirements.

 

Term Loans

  • Purchase or refinance machinery, equipment or other capital assets, permanent working capital, business acquisition, debt consolidation
  • First lien via UCC filing and loan security agreement on business assets sufficient to fully secure the transaction
  • Generally 12 to 180 month terms
  • Fixed and variable rate options available
  • Loans up to $2,000,000 per transaction

 

Commercial Real Estate Loans

  • Purchase or refinance of commercial, industrial and/or investment property
  • First lien filing on subject property
  • Terms up to 10 years, amortizations up to 25 years
  • Fixed and variable rate options available
  • Loans up to $7,500,000 per transaction

 

Lines of Credit

  • Available for any general business purpose
  • First UCC lien filing together with loan security agreement on accounts receivable, inventory, and all business assets
  • Line of credit facilities are generally reviewed on an annual basis
  • Rates are typically set at a floating rate over the Wall Street Journal Prime Lending Index
  • Loans up to $500,000
     

SBA Loan Programs

SBA 7(a):

  • Business expansion, business acquisition, commercial real estate purchase, machinery & equipment purchase, working capital, and debt refinance
  • Terms up to 25 years
  • Variable rate spread over the Wall Street Journal Prime Lending Index
  • Loans up to $5,000,000
     

SBA 504:

  • Land and building purchase, construction or renovation & machinery & equipment purchase
  • Terms up to 20 years
  • Loans up to $5,000,000

 

Sam Slater


Sam Slater

sslater@cbscuso.com


Phone: 1-888-697-9555, Ext. 101
Fax: 513-677-6789

P.O. Box 467
One River Park Drive
Dayton, Ohio 45409
Apply now:
Application Forms