Commercial Lending
CBS delivers premier commercial lending services and cutting-edge software solutions to financial institutions. Partnered with over 140 credit unions in 17 states, our dedicated professionals provide financing expertise on all property types nationwide.
Commercial Lending Software and Loan Services
CBS is not your average commercial lending institution. Providing commercial loans to businesses through a credit union cooperative was a relatively new concept when CBS opened its doors in 2003.
Need a Loan?
Commercial Lending
CBS offers commercial real estate (purchase or refinance; retail, office, industrial, multi-family, medical/dental & more), construction financing, term loans, and SBA loans, up to $30,000,000.00.
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.
COMPREHENSIVE COMMERCIAL SOLUTIONS
Commercial Lending Software
CBS has built our name on providing solutions to help you maximize efficiencies and return on investments in commercial lending.
Commercial Lending Portfolio Reporting: ExRA
ExRA is a cloud-based platform that provides real-time reporting for your institution's commercial lending portfolio.
Commercial Lending Software: Creditable
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.
While your company did offer the best financial package, we may have chosen you just because of the level of service that was provided. Having the loan completed in a low stress, helpful manner makes me a strong supporter of CBS and of course John Skeldon. I will be more than happy to talk to anyone trying to decide about a lender since I would like others to have as good of an experience as I did, and a chance to achieve their dreams.
Dr. Kittsen Mccumber
Owner
Animal Emergency and Critical Care Center of Toledo
Day Air Credit Union's partnership with Cooperative Business Services has enabled us to provide higher levels of funding throughout our region greatly benefiting our members and the communities they live in. CBS truly understand the intricacies of lending in our market and has helped us push the needle as a premier business lender. It's clear that success of each CBS credit union partner is a genuine priority of the CUSO via their dedication and eagerness to help us achieve our strategic initiatives.
Bill Burke
CEO
Day Air Credit Union
Our members and the communities we serve have benefited greatly from our partnership with Cooperative Business Services. Their expertise has helped us do more for them, more quickly, than we could possibly have done by going it alone.
Especially valuable has been our participation in a Shared Business Development model in partnership with other area credit unions. By combining our resources in this way, we've been able to make businesses (and the competition) take notice of what we can do."
Barry A. Shaner
President/CEO
Directions Credit Union
News & Highlights
05.13.2025
Member-Centric Banking: How Credit Unions Can Drive Value Beyond Profit
With a foundation rooted in community service and a focus on people helping people, credit unions provide a valuable service to their communities. But how can they drive value beyond profit?
05.06.2025
Pathways Financial Credit Union Merges with Taleris Credit Union
Two CBS partners have merged together, marking Pathways' first presence in the Greater Cleveland market.
04.23.2025
KEMBA Credit Union, CBS Partner, Celebrates Employees During Biggest Company Event of the Year
On Presidents Day, employees of KEMBA Financial Credit Union gathered at the Hilton Columbus at Easton for the company’s biggest event of the year. The first of two annual all-associate meetings allow people to connect, learn and have their accomplishments recognized.
