Lending solutions, simplified.

What is CBS?

CBS, or Credit Union Service Organization, is dedicated to empowering credit unions with innovative lending solutions. We provide tailored support and resources to help credit unions thrive in a competitive landscape.

Explore

Our Comprehensive Commercial Lending Solutions Tailored for You

At CBS, we offer a range of commercial lending products designed to meet the unique needs of your credit union. From conventional loans to specialized business loans, our solutions empower you to serve your members effectively. Discover how our lending options can enhance your offerings and support your growth.

Conventional Loans

Our conventional loans can be used to purchase, refinance, or construct commercial real estate and machinery and equipment.

SBA Loans

Our SBA 7a and 504 loan programs provide small business borrowers access to capital for their owner-user businesses.

Business-Specific Loans

Leverage our SBA loans to help your members expand their businesses.

Loan Application

Interested in applying for a commercial loan? Access our user-friendly loan application to get started today.

Innovative

Commercial Lending Software for Credit Unions

Discover our cutting-edge software solutions designed to enhance your lending processes. Streamline operations and improve member satisfaction with our advanced tools.

ExRA – Loan Portfolio Management Software

The CBS ExRA web-based app 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.

Business Scoring

Creditable – Small Business Loan Platform

Creditable is a customizable, web-based small business and commercial lending software solution that allows you to efficiently and strategically develop and manage your loan pipeline.

Expand

Expand Your Lending Network with CBS’s SBDO Program

Our Shared Business Development Officer (SBDO) Program enhances your lending capabilities by connecting you with experienced professionals. This collaboration allows credit unions to expand their reach and improve member services.

Blog

Essential Resources for
Credit Unions

Explore valuable tools and insights for your credit union.

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 Lenders

Unlock Your Potential with CBS Partnership

Commercial Real Estate

• Purchase or refinance of commercial, industrial and/or investment property
• Terms up to 15 years, amortizations up to 25 years
• Fixed and variable rate options available
• Loans up to $30,000,000 per transaction
• Business Expansion Loans

SBA 7a Loans

• Purchase, construct, or refinance owner-occupied real estate
• Purchase or refinance machinery and equipment
• Working capital
• Terms up to 25 years
• Floating rates tied to WSJ Prime
• Loans up to $5,000,000

SBA 504 Loans

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

Construction

• Interest Only During Construction up to 24 months
• Conventional and SBA
• Owner Occupied and Investment Properties

For Borrowers

Essential Resources for Borrowers

Explore valuable tools and insights

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

Discover how we empower credit unions to succeed.

Let’s Build

Your Credit Union’s
Lending Future

Join us in shaping a brighter financial future for your credit union and its members.