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Commercial Loans

At The Upstate National Bank we are committed to servicing all of your financial needs. Headquartered in Rochester, we have a cadre of experienced lenders and relationship managers who have extensive knowledge and experience providing a full range of commercial lending products to our marketplace. This means we make our decisions here, locally, so there is no waiting, unlike some out-of-town bank who does not understand our community or business needs. We believe this philosophy has helped many Rochester businesses grow, and we would appreciate the opportunity to do the same for you. Some of our offerings include:

  • Commercial and Industrial Loans
  • Lines of Credit
  • Term Loans
  • Letters of Credit
  • Revolving Line Facilities
  • Commercial Real Estate (Investor) Mortgages
  • Commercial Real Estate (Owner-occupied) Mortgages
  • Short Term and Bridge Financing

For more information contact :

(800) 543-9064

Richard DiVirgilio, EVP

Keith A. Schubmehl, VP  

Thomas M. O'Neil, VP

Stephen V. D'Orazio, VP


New....Upstate Online!

We, at The Upstate National Bank are pleased and excited to introduce to you our new online banking, Upstate Online! This new and enhanced banking system is more secure against Identity Theft with the addition of Multifactor Authentication (an enhanced, layered method of validating your identity). Also, it gives you, our customer, more viewing options and transfer capabilities. You can even personalize your individual accounts! Please call 1-800-219-6109 with any questions. As always, we will be happy to assist you. Thank you for doing business with us!


Small Business Owners / Rochester

Looking to borrow money from someone who understands your business, who lives in the same community as you, where lending decisions are made locally? Then talk to the staff in our Commercial Lending Division! They are what makes our hometown approach so special! Call Thomas O'Neil at 1-800-543-9064 to get first hand knowledge, and local expertise, for all of your conventional borrowing needs...


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