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Commercial Lending Products

Watertown Savings Bank is a 5 time winner of the Small Business Administration Award for Lender of the Year. Our Commercial Lending Team works to promote growth and economic development within the communities of Northern New York while providing our customers with a level of customer service unmatched in the local banking community.

We offer a wide variety of commercial lending products and cash management solutions for individuals, local businesses and professional practices.

Commercial Loans & Services

Local Decisions

Watertown Savings Bank is structured for in-house approvals to provide you with a more convenient and efficient process than many of our competitors.

Total Banking Relationships

You’re more than just a business - You’re people too. We realize that your time is scarce while operating a business, so we will handle your personal banking needs as well. Whatever you need, we’re here for you.

Construction Loans

Traditional construction loans through our competitors often require a closing for the construction phase and a closing for the mortgage. Watertown Savings Bank operates through a “certified draw” program which requires only one closing. It’s more efficient and saves you money.

Economic Development Agencies

Watertown Savings Bank actively works with all of the economic development agencies in the Jefferson County area. If there are any financing or tax relief programs currently offered that would benefit your upcoming project, we will work as an intermediary in helping you to obtain access to these respective services.

Please call (315) 788-7100 to speak with our commercial lending staff or send us an email at and we’ll be happy to help you.