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CNB LogoCNB Physician Relief Solution

This exclusive custom package combines a CNB Business Checking Account with a Flex Loan, that consists of a one-year, non-revolving line of credit with an automatic conversion to a 4-year fixed payment, term loan at the conclusion of the initial 12-month period.  No payment for the first 90 days and interest only for the next 9 months.  Enjoy the convenience of making online draws from the line of credit directly to your checking account with all payments automatically being withdrawn from the associated checking.

Physician Flex Loan Program

  • Loans up to $100,000
  • 7.95% fixed interest rate
  • 5-year term
  • No origination fee
  • No pre-payment penalty
  • Personal guarantee required
  • No collateral required
  • Automatic payments required from CNB Business Checking
  • 5-year Combined Loan Instrument

Year 1

  • Non-revolving line of credit
  • 90 day automatic deferment of payment
  • 9 month interest-only payments, automatically deducted
  • Transfer funds online from line to CNB Business Checking

Year 2 - 5

  • Line of credit will automatically be converted to 48-month term loan
  • Fixed monthly payments
  • Monthly payments automatically deducted from CNB Business Checking


Apply online at with your most recent signed business and/or personal tax returns, as applicable.

Contact Us

If you have questions, feel free to contact us:

Phone: (585) 490-4842 or (585) 394-4260, ext. 36100

If you are not currently a CNB Business Checking customer, a branch representative will contact you upon review of your completed application to assist you in opening a new account. 

This offer is non-transferable and intended only for the Physicians community.