Cooperative Business Services is an industry-leading credit union service organization (CUSO) that delivers complete life cycle management — from initial deal structuring through daily servicing and portfolio oversight. We offer end-to-end commercial lending services that empower you to grow your revenue, manage risk, and serve members without building costly internal infrastructure.
Ready to grow your commercial lending program? Whether you’re just getting started or scaling an established platform, CBS provides the commercial lending services, software, and business support to meet you where you are. We empower emerging and advanced commercial lending strategies by partnering with credit unions of all sizes.
Partnering with CBS means gaining access to unparalleled expertise in commercial lending and dedicated service. Our tailored solutions empower you to diversify your offerings, enhance member relationships, and drive revenue growth.
Partnering with CBS means gaining access to unparalleled expertise in commercial lending. Our tailored solutions empower you to enhance your offerings and drive revenue growth.
Unlock new income streams through expertly managed and scalable commercial lending operations that drive long-term profitability.
Access the commercial lending services, software, and infrastructure you need to streamline every stage of the commercial lending life cycle.
Rely on decades of business lending experience to navigate credit risk, structure and source deals, and stay ahead of regulatory requirements.
Leverage customizable tools and hands-on support for your union, whether you’re building a credit union commercial lending program from scratch or you’re enhancing a mature program.
Our commercial lending services for credit unions cover critical stages:
Identify opportunities and evaluate member needs with our Shared Business Development Officer program. We bring market intelligence, pricing guidance, and deal structuring expertise to every member conversation, helping you compete effectively while maintaining underwriting standards.
Once a member submits an application, CBS assumes responsibility for comprehensive credit analysis and due diligence. We provide expert commercial underwriting services that evaluate financial strength, collateral value, debt service coverage, and repayment capacity. Our thorough review process reduces your exposure while maintaining consistent credit quality standards across your entire commercial portfolio, giving your board confidence in every approval.
We coordinate all closing activities — from title work and environmental reviews to final documentation and funding — for accuracy and regulatory compliance. Following funding, loans are immediately onboarded into our servicing platform with complete data integrity, creating a foundation for reliable reporting and seamless member communication.
Post-closing support begins with daily loan servicing, including member inquiries and payment processing. From there, our commercial loan portfolio management team handles financial covenant monitoring and provides early warning indicators for potential credit deterioration. Credit unions use our ExRA platform to access real-time portfolio data and deliver reports that credit union boards and regulators expect. When market conditions change or portfolio adjustments become necessary, our loan participation marketplace provides liquidity options to manage concentration risk and optimize your balance sheet.
We are proud to serve as the commercial lending CUSO for credit unions across the country.
Experience the benefits of a true life cycle partnership. Explore our CUSO partnership model or contact us online to learn how our end-to-end support can help you grow. We offer commercial lending solutions you can count on.
