Commercial Lending Officer

Steven P. Lauer
20 East Bayard St. // Seneca Falls
Cell 315.567.0812 // E-mail

Growth takes time, commitment and, sometimes, a business loan that gives you access to the funds you need to expand your business.

Generations Bank has been lending money in our hometowns for generations. We make loan decisions locally and service loans locally because we think that is best for our customers and best for building a strong community.

Listed below are a few important documents to have available along with your business loan application during your appointment (some of these documents can be downloaded and printed for your convenience).

Documentation Checklist

Here’s an easy to use Checklist for the documents you will need for processing your business loan request:

Documents Required:

Financial Information:

        • Business Tax Returns (3 Yrs.)
        • Business Financial Statements (3 Yrs.)
        • Personal Tax Returns (3 Yrs.)
        • Personal Financial Statement [pdf]
        • Cash Flow on Business or Corporation
      • Inventory, Equipment List & Receivables Aging

Start-up Businesses:

      • Business Plan
      • Projections
    • Corporate Resolutions,
      Partnership or D/B/A etc.

We also offer lines of credit for capital needs and working capital with a manageable rate that can be linked to your operating account; transfer available funds from your line to your operating account whenever you need it!