Financing Built for Commercial Businesses
Ballston Spa National Bank offers commercial real estate loans, term loans, and lines of credit, with local Capital Region decision-making, flexible structures, and a team that takes the time to understand your business.
Why Choose a Commercial Loan From BSNB?
Competitive
Loan Rates
Discover customized lending packages with competitive rates that move your business forward.
Local
Decision-Making
Your application is reviewed by lenders who know the Capital Region.
Customized
Lending Packages
We structure deals around your specific goals, cash flow, and timeline, not off-the-shelf terms.
Long-Term Relationships
Your BSNB lender is invested in your success for the long run, not just the life of your loan.
Commercial real estate
Your Next Property. Our Financing.
Finance the acquisition, construction, or refinancing of owner-occupied and investment properties. Whether you’re expanding your footprint or securing a long-term asset, BSNB offers both intermediate and long-term commercial real estate solutions structured to fit your timeline and cash flow.
Term Loans
Capital When You Need It
Put capital to work when it matters. BSNB’s commercial term loans are designed to fund equipment purchases, capital improvements, and major business investments, with competitive terms customized to your repayment capacity and business goals.
Lines of Credit
Flexibility for Your Cash Flow
Keep your business moving with flexible access to working capital. BSNB’s commercial lines of credit, including seasonal operating lines and equipment lines, give you the liquidity to manage day-to-day expenses, take on new opportunities, and bridge the gaps in your cash cycle.
Government business programs
Expand Your Loan Options
BSNB partners with federal and state agencies, including SBA lending programs, to expand your financing options and help structure deals that might not fit conventional guidelines. Our lenders know the programs and know how to make them work for you.
Business Banking solutions
Simplify Security Deposits for Every Tenant
Managing security deposits for multiple rental units doesn’t have to mean managing multiple headaches. BSNB’s Lease Security Deposit Account gives landlords one master account with dedicated sub-accounts for up to 999 tenants – so every deposit stays organized, secure, and easy to track.
- One master account, up to 999 tenant sub-accounts.
- You stay in control – every withdrawal needs your authorization.
- Statements detail activity for every account.
- Interest disburses each month automatically.
- We handle 1099 tax forms for tenants earning $10+ in interest.
- For more information, please contact Renee Flanders at 518-363-8694 or Renee.Flanders@bsnb.com
Our Commercial Bankers
Renee Flanders
VP, Senior Treasury Management Officer
Andrei Krasnokutski
VP, Commercial Relationship Manager
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Frequently Asked Questions
BSNB makes all commercial loan decisions locally. Our lenders are based in the Capital Region and evaluate each application based on a thorough understanding of your business, the local market, and your long-term goals, not just a credit score.
Minimum loan amounts vary by product type. Contact a BSNB commercial lender at 518-885-6781 to discuss your specific financing needs and find the right program for your business.
You can start the commercial loan process by calling our team at 518-885-6781, visiting any of our branch locations in the Capital Region, or downloading the commercial loan application at bsnb.com. A commercial lender will guide you through every step.
Most commercial loan applications require recent business financial statements, a personal financial statement, and documentation supporting your loan purpose (such as a purchase agreement or construction plans). Your BSNB lender will provide a complete checklist tailored to your request.
Business Checking
Keep your cash flow moving, with the flexibility to match how your business actually runs, not how a big bank thinks it should.
- Multiple account options for businesses of every size.
- Digital Banking access – manage accounts, pay vendors, and review transactions anytime.
- Debit card access for owners and authorized employees.
- Easy account setup with dedicated support.
Go Further With BSNB
Explore products and services that support you in every stage of life.
