Credit union lending is often perceived as exclusive or difficult to navigate, especially by business owners accustomed to working with traditional banks. But the truth is, credit unions—especially those supported by partners like Cooperative Business Services (CBS)—offer a borrower-friendly alternative that combines competitive terms, community values, and a highly personalized approach.
Throughout the years, CBS has collaborated with numerous stakeholders; however, our current objective is unequivocal: to assist borrowers in obtaining flexible, efficient, and relationship-oriented commercial financing via credit unions. Whether you are an entrepreneur, investor, or property owner, CBS is a reliable advisor, facilitating your navigation of the process and enabling you to secure capital that aligns with your objectives and goals.
Where Borrowers Fit In—At the Center of the Lending Process
Since COVID-19, we’ve seen shifts in how deals come together—but one thing remains constant: the need for a smarter, more strategic borrower experience. At CBS, direct borrowers deserve the same clarity and support as any institutional player.
You don’t need to go through a broker to access credit union capital. Many of our strongest relationships are built directly with business owners who are ready to finance their next project, but want to avoid the confusion, delays, or impersonal approach they might encounter with a big bank.
Our goal is to simplify your journey, whether you’re expanding into income-producing real estate or repositioning a commercial asset or refinancing existing debt.
The CBS Process: Simplicity, Strategy, and Transparency
One of the barriers borrowers face in working with credit unions is the perceived complexity of the process. CBS helps remove that friction by acting as your guide throughout the deal. From pre-screening tenant credit grades to assessing lease terms and financials, we ensure your application is complete, strategic, and aligned with a credit union’s lending criteria.
This level of preparation saves time, improves your chances of approval, and creates more certainty throughout the loan process—so you’re never left wondering where you stand.
Not Just Competitive—Often Better
Credit unions, empowered by CBS, can offer lending options that rival or exceed those from traditional banks, especially for borrowers who value relationships and customized terms. According to the Credit Union National Association (CUNA), credit unions often offer lower interest rates on loans than banks, thanks to their member-owned, nonprofit structure (source).
What makes them even more competitive?
- Local market knowledge that supports smarter lending decisions
- Flexible loan structures that match your business model
- Community-focused priorities that align with long-term regional growth
With CBS enhancing the presentation of your deal, you gain access to decision-makers who prioritize your long-term success.
A Future Built Around Borrowers
Although CBS’ network comprises a range of industry experts, our primary focus is on borrowers. We aim to create a lending environment where entrepreneurs, investors, and business owners can easily access funding, with CBS as the link between your vision and the necessary capital to realize it. That means not just evaluating credit risk, but truly understanding the goals behind each loan request—launching a new venture, expanding a portfolio, or revitalizing a property. CBS exists to empower borrowers with more intelligent strategies, quicker access to funds, and long-term lending relationships that support continued growth.
Why It Matters Now
The commercial lending environment is evolving rapidly. Borrowers need smarter options—and credit unions are taking a more prominent role in financing growth. CBS is here to support that shift. Our value is more than access: it’s expertise, advocacy, and a borrower-first mindset that simplifies every step of the lending process. From navigating tenant analysis to structuring deals that reduce long-term risk, we ensure borrowers can confidently move forward, even in an unpredictable market. When traditional lenders hesitate, CBS helps credit unions deliver competitive, community-focused solutions that borrowers can count on.
Lending Made Local, Lending Made Easy
If you're a borrower seeking commercial real estate financing, CBS offers a streamlined, relationship-focused approach that puts your needs first. We help you understand your options, structure a stronger loan request, and connect with credit unions ready to support your success. Whether tackling your first deal or scaling your commercial portfolio, CBS ensures you’re matched with the right lending partner with the proper structure at the right time. Let us help turn your vision into a viable, funded project—without the red tape.
Let’s work together.
Contact us today to discover how CBS can help you secure more innovative capital—without the confusion or complexity. Whether you’re building, buying, or expanding, we’re here to help you get it done.
Disclaimer. The information and data contained in this multimedia content (the “Content”) are provided for informational purposes only, and do not necessarily represent the views or opinions of Cooperative Business Services, LLC (“CBS”). The Content, and the appearance of the Content on, by or through CBS’ website, email, or technological infrastructure does not constitute an endorsement by CBS, its affiliates, owners, officers, directors, or employees (or their successors and/or assigns). Information in the Content cannot be relied upon by any recipient for any business, legal or financial decisions.
