---
title: Banking Solutions for Cooperatives and Small Business Retailers
description: We provide full-service banking to commercial cooperatives, purchasing cooperatives and independent retailers nationwide. Learn More.
---

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Sectors we Serve

# Banking Solutions For Small Businesses

Our small business focus reflects our cooperative mission, serving independent retailers, purchasing co-ops and worker-owned co-ops nationwide.

![man woodworking with table saw](https://www.ncb.coop/hubfs/assets/images/small-business-hero.jpg)

![](https://www.ncb.coop/hubfs/assets/backgrounds/brand-watermark.svg)

##  Cooperative Solutions

Small businesses are the foundation of a strong community and create jobs and fuel local economy. We are committed to helping small businesses thrive and compete in today’s marketplace. Our small business focus reflects our cooperative mission, serving independent retailers, purchasing co-ops and worker-owned co-ops nationwide. We provide an array of banking solutions to help your business grow and compete with the big box chains. Whether your business is to looking to expand or renovate, NCB has banking solutions to help you meet the challenges of business ownership.

![the hub store front](https://www.ncb.coop/hubfs/assets/images/the-hub-store-front.jpg)

## Products and Services

- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-cash-management.svg)
  
  ### Treasury Management
  
  Save time and improve your cash flow operations with NCB’s treasury management solutions- built for small business retailers to large property management customers.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/cash-management)
- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-checking-accounts.svg)
  
  ### Checking Accounts
  
  NCB’s business checking accounts are optimal for businesses and nonprofits of all shapes and sizes.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/business-checking-accounts)
- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-savings-accounts.svg)
  
  ### Savings Accounts
  
  Maximize your returns with NCB’s competitive savings product including CD’s and MMDA accounts.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/business-savings-accounts)
- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-commercial-loans.svg)
  
  ### Commercial Loans
  
  We offer flexible business loans and working capital lines of credit  at competitive interest rates to meet your business needs.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/lending/term-loans-and-line-of-credit-loans)
- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-commercial-real-estate-loans.svg)
  
  ### Commercial Real Estate Loans
  
  NCB provides first mortgages, second mortgages and lines of credit to commercial real estate properties across the country including housing cooperatives, multifamily and other commercial property types.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/lending/commercial-real-estate-loans)
- ![icon](https://www.ncb.coop/hubfs/assets/icons/custom/icon-sba-loans.svg)
  
  ### SBA Loans
  
  As a Preferred SBA Lender, NCB offers the SBA 7 (s) and SBA 504 loan programs to help independent businesses grow and succeed.
  
  [LEARN MORE](https://www.ncb.coop/commercial-banking/lending/sba-loans)

## Customer Success Stories

![Bringing ‘a few cool hardware stores’ back to Main Street](https://www.ncb.coop/hubfs/gina-ace.svg)

Bringing ‘a few cool hardware stores’ back to Main Street

 NCB helps an entrepreneurial couple open several ACE Hardware stores in the Washington, D.C. area.

[Read Story ](https://www.ncb.coop/co-op-stories/commercial-business-loan)

![The Hub Bike Co-op](https://www.ncb.coop/hubfs/hub-bike-mural.svg)

The Hub Bike Co-op

 A Bigger, Better Hub for Bike Lovers

[Read Story ](https://www.ncb.coop/co-op-stories/cooperative-building-mortgage)

![An Ohio dairy farm is banking on the sun](https://www.ncb.coop/hubfs/Jolly_SolarPanels.svg)

An Ohio dairy farm is banking on the sun

 NCB helps an Ohio dairy take advantage of government programs to install solar power.

[Read Story ](https://www.ncb.coop/co-op-stories/reenergize-ohio-solar-financing)

## Get Started

## Applications & Forms

- [Business Loan Application](https://www.ncb.coop/hubfs/assets/resources/Business-Loan-Application.pdf)
- [ Cooperative Business Loan Application](https://www.ncb.coop/hubfs/assets/resources/NCB-cooperative-business-loan-application.pdf)
- [Personal Financial Statement](https://www.ncb.coop/hubfs/assets/resources/Personal-Financial-Statement-1.pdf)
- [Business Location Profile](https://www.ncb.coop/hubfs/assets/resources/Business-Location-Profile-1.pdf)