• Small Business Loans & Lines of Credit

    Whether you need flexible access to working capital or you want to finance longer-term asset growth, we’ve got a financing solution for your small business.

    Call one of our dedicated Small Business bankers at 1-877-731-4644 or visit a nearby First Niagara branch.

  •   Ready Access Line of Credit Term Loans Commercial Real Estate Mortgage Loans
    Purpose A Business Ready Access Line of Credit provides working capital for your Small Business. It addresses all of your short-term borrowing needs. Finance long term asset purchases without using your working capital. Commercial real estate financing requiring longer term and amortizations.
    Can be used for A Ready Access Line of Credit provides funding when you need it. Funding is available to take advantage of unforeseen opportunities, supplement down-times or by simply providing you with peace of mind that you have the funds at hand should there be a need. Purchase equipment including commercial vehicles. Purchase, refinance or renovate commercial real estate.
    Credit Limits $10,000 to $500,000 $10,000 to $500,000 $50,000 to $750,000
    Rate Variable Rate. 
    Based on Credit Qualifications
    Fixed and Variable Rate Adjustable Fixed Rate
    Collateral Required $50,000 and Less No. 
    Greater than $50,000 Yes
    Yes Yes
    Benefits Access to Funds when you need them. Use Checks or make transfers to your Business Checking account online. Fast and easy renewal process. Fixed rate allows a steady payment for accurate cash flow projections. Own the equipment after the term. Longer terms and amortization reduce the monthly payment.
    Used for Overdraft Protection Yes No No

    First Niagara Bank also offers SBA Guaranteed Loans & Lines of Credit as well as Letters of Credit, based on your small business needs.

  • Call 1-877-731-4644 or visit a nearby First Niagara Branch.

Credit approval required; Additional terms and conditions will apply; Fees may apply; Not all products or options are available to all customers; Interest rate based on creditworthiness; Products are for business purpose only and not for personal, family or household use.


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