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Business Loans

REAL ESTATE FINANCING

Whether you are looking to relocate, renovate, expand or buy a new business, we’ll work with you to achieve your goals.  Talk with one of our experienced commercial loan officers about how financing with us can enhance productivity, maximize profitability and conserve working capital.

BUSINESS LINE OF CREDIT

Support your short-term cash needs with a line of credit from Champlain National Bank.  A line of credit can give you peace of mind when it comes to fluctuations in sales and inventory during the year, making sure you’re covered during the slow times.  Lines are generally approved for periods of one year.

TERM LOANS

Finance the acquisition of equipment, business vehicles or other fixed assets for your business with a term loan from Champlain National Bank.  We’ll help you select a term to fit your needs.  Term loans generally mirror the depreciation schedule of your purchase.

GOVERNMENT SPONSORED LOANS

Champlain National Bank offers loans guaranteed by the SBA and the USDA.  We also participate in the New York State Linked Deposit Program.  Both government programs help small businesses modernize operations, improve competitiveness, access new markets, and create new jobs by making financing less expensive and more attractive.  In particular, the SBA 504 Loan Program allows us to provide fixed rate, low down payment financing for real estate, construction and equipment purchases in partnership with the Empire State Certified Development Corporation.

Commercial Loan Team

Lisa Roberts

Lisa Roberts began her employment with Champlain National Bank in August 1994 as AVP/Commercial Lender. Ms. Roberts was promoted to Vice President in 1996 and then to Senior Vice President and Senior Lender for the bank in 2007. Prior to joining Champlain National Bank, Ms. Roberts was employed by Evergreen Bank (now TD Banknorth) where she gained experience as a credit analyst and small business lender. Ms. Roberts holds a BS from SUNY Plattsburgh and is a founding member of the Champlain-Rouses Point Rotary Club and the Treasurer of the Champlain Children’s Learning Center.

Favorite part about working for Champlain National Bank: Our Board Chairman, Peter S. Paine Jr. leads a wonderful institution where we all feel like we are a valuable part of the team.

Tim Kononan

Tim Kononan joined Champlain National Bank in 2007 as part of the commercial lending team.  He is responsible for generating and managing commercial relationships in all of Champlain National Bank’s markets.  Tim has an extensive banking background and has held management level positions at several banks in Vermont and New Hampshire.   These positions include senior retail manager, regional commercial manager, and regional branch manager.  Tim is committed to banking education and teaches courses on banking at the Community College of Vermont, the New England School of Banking, and the Northern New England School of Banking.  Tim is also active in the community, serving on the board of trustees of the Clinton County Historical Association, the loan committee of Adirondack Economic Development Corporation, and is a member of the Plattsburgh Noon Rotary.

Favorite part about working for Champlain National Bank:  The thing I like best about working here is that we are a true, old style, community bank.  Our collaborative efforts allow us to meet our client’s needs and make dreams come true.