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Business Lending Services


No pre-payment penalties, highly competitive rates, local decision making and quick turnaround mean CAP COM’s experienced business banking professionals can structure the ideal lending solution for your business, where and when you need it.


Commercial Real Estate

The Capital Region’s commercial mortgage specialists.


With deep ties to the commercial real estate sector in New York’s Tech Valley, CAP COM offers some of the region’s most competitive rates, low commitment fees, no pre-payment penalties, terms up to 15 years, and amortization up to 25 years. Contact us today to talk with a specialist!

Business Lines of Credit

Smoothing out the bumps on the road to success.


In today's business climate, having ready access to cash where and when you need it can make all the difference. CAP COM’s business lines of credit provide the short-term flexibility to fund new opportunities, cover unexpected delays in your receivables or provide seasonal working capital.

Business Auto Loans

Get great auto rates and a great deal more.


Whether you need a sedan to make sales calls or a fleet of delivery vans, CAP COM can help. With great rates, easy application and 100% financing, we’ll get you on the road fast. Plus, our Car Buying experts can shop to find you the right vehicles at the lowest prices.

Specialized Vehicles & Equipment

The assets you need to move your business forward.


Do you need new equipment to increase your manufacturing capacity? Will a boom truck and trailer help you handle bigger jobs? Sometimes that’s all you need to get your business to the next level. We can help. Highly competitive rates, no pre-payment penalties and fast, local decisions make it possible.

Credit Card Solutions

A dedicated business card to track and manage spending.


Our Business VISA® Credit Card offers a low, fixed rate with no annual fee and no balance transfer fee. Earn CU Reward® Points on every dollar spent and redeem them online for merchandise, gift cards or travel options. Plus, spend just $1,500 in the first 90 days that you have your card, and you’ll earn 5,000 bonus Rewards Points!