• Kick Your Small Business Needs Into Gear

    If you need credit for your small business, there’s no time like the present. You can conveniently start the application process right here.
  • Information About Your Business

    Business Legal Name:
    Trade Name or DBA (if applicable):

    Business Address

    Street Address:
    Zip/Postal Code:

    Mailing Address (if different):

    Street Address:
    Zip/Postal Code:
    Business Phone Number:
    Cell Phone Number:
    Business Fax Number:
    Business Email Address:
    Tax Id Number:
    Legal Structure:
    Corporate subchaper:
    Non-profit corporation type:
    What Product/Service your business sells:
    How long in business:
    How long under current ownership?:
    Number of Employees:
    Annual Sales $

    Non-First Niagara Bank Business Deposits

      Account 1 Account 2
    Bank Name:
    Current Balance:

    Non-First Niagara Bank Business Obligation

    Bank Type of Loan Original Amount $ Updated Balance $ Monthly Payment $ Maturity Date Collateral Pledged

    Description of Requested Credit

    Amount $
    Type of Property:
    What will the funds be used for:
    What collateral will be pledged:

    Information About Owner(s) / Guarantor(s)

      Owner/Guarantor 1 Owner/Guarantor 2
    Social Security Number:
    Date of Birth:
    Home Phone Number:
    Cell Phone Number:
    Email Address:
    % Ownership:
    Annual Salary $:
    Length of Time As Owner:
    Are you a US Citizen?:
    Personal Cash/Marketable Securities $:

    * Each owner/guarantor must complete the "Information About Owner(s)/Guarantor(s)" section. If there are more than two owners/guarantors, please use a separate credit application.

    Additional Information

    * Is the business, any owner, guarantor or any other business now owned by any owner a party to any outstanding judgment or any pending or threatened lawsuit or adverse claim?
    * Does the business, any owner, guarantor or any other business now owned by any owner owe any taxes for any year prior to the current calendar or fiscal year?
    *Has the business, any owner, guarantor or any other business now owned or previously owned by any owner ever been declared bankrupt?

    The Business referenced herein is opening an account with First Niagara Bank, N.A. (“First Niagara") and certifies to and agrees with either of the following two items (please check the appropriate box):


    Business does NOT engage in an “Internet gambling business" (defined as the business of placing, receiving, or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet). Business hereby agrees to promptly notify First Niagara in writing if and when the Business should commence engaging in an Internet gambling business.


    Business DOES engage in an “Internet gambling business." Business understands that, in order to open the account the Business must:

    (1) provide First Niagara with a copy of the Business' license issued by the appropriate state or tribal authority that expressly authorizes the Business to engage in the Internet gambling business;

    (2) provide First Niagara with a third-party certification acceptable to First Niagara (such as an official audit certification from an independent accounting firm or examining agency) that the Business' systems for engaging in the Internet gambling business are reasonably designed to ensure that such business will remain within its licensed or otherwise lawful limits and that appropriate safeguards are in place to prevent minors, or those in geographic locations where such conduct would be illegal, from engaging in Internet gambling activity; and

    (3) agree to notify First Niagara in writing of any change in the Business' legal authority to engage in the Internet gambling business.

    Business is hereby notified that unlawful Internet gambling transactions are prohibited from being processed through an account or relationship with First Niagara. Prohibited transactions are transactions in which a business accepts credit, funds, instruments or other proceeds from another business or person in connection with unlawful Internet gambling. Businesses found to be processing unlawful Internet gambling transactions through an account or relationship with First Niagara may be prohibited from conducting certain types of transactions, may be denied access to certain payment systems, may have their account(s) closed, or may have their customer relationship terminated.

    IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT — To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


    The business identified in this Application (the "Business") and each individual signing this Application on behalf of the Business or as an owner (individually a "Signer") (1) certify to First Niagara Bank, First Niagara Funding, Inc. and all other subsidiaries and other affiliates of First Niagara Bank (individually a "Lender") that (a) all information given in this Application is true, correct and complete and is given for the purpose of obtaining from a Lender credit that will be used only for business purposes and (b) the Signer signing this Application on behalf of the business has authority to apply for credit on behalf of and bind the Business, (2) authorize each Lender to (a) verify all information given in this application (b) obtain and verify any information, including any credit report, that any Lender believes to be appropriate in connection with this Application or any review, update, extension or collection of any credit extended to the Business as a result of this Application ("Credit"), (c) provide information concerning the Business, any Signer or any Lender's credit experience with the Business or any Signer to credit reporting agencies and others to the extent allowed by and in accordance with applicable law and (d) keep this Application, whether or not it is approved, (3) acknowledge that the making of a false statement or material omission of facts to a Lender may be a federal crime requiring referral to appropriate law enforcement authorities, (4) acknowledge that (a) any Lender may request a Credit report concerning any Signer in connection with this Application or any update, extension or renewal of any Credit and (b) upon request, any Lender will tell any Signer if a Credit report concerning that Signer was requested and, if so, the name and address of the Credit reporting agency furnishing the Credit report and (5) agree to pay all fees imposed by any Lender in connection with this Application or any Credit.



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