125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Business

Business Loans & Services

In 1979, a group of small businesses wanted to expand and couldn't get capital from the banking system.

Alternatives was chartered to address that problem. Serving small business, as well as non-profits, is promoting smart community development. Small businesses, especially start-ups, are engines of local economic development. Small businesses play a major role in job creation in New York, creating 80% of all new jobs.

Most banks ignore businesses when they have less than a million dollars in annual sales. Small business or "micro-enterprise" lending is our specialty. Alternatives designs products and services to meet the needs of small businesses: retail, service, small manufacturers, home-based businesses, cooperatives, worker-owned businesses, non-profits and start-ups. 

What We Offer:

Lending

Education

Products & Services

Online Access

eStatements Prior to Dec. 2012 »

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Express Employment Professionals, Kathy Nivison

With a background of 15 years in Human Resources, Kathy Nivison started up the Ithaca office of Express Employment Professionals to better serve local employment and recruiting needs. Kathy approached Alternatives for a business loan, and was impressed with both the loan's low interest rate, as well as the quick response from Bob Anderson, the business loan officer at Alternatives.

Kathy took advantage of our "Women and Minority" subsidized loan, which helps women and minority borrowers who have a minimum of one year in business and are looking for assistance with continued growth and expansion.


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