WASHINGTON — Times have changed when it comes to independents obtaining loans. While credit is available, borrowing money will be more costly and the terms tougher, said Mike Novak, vice president of commercial lending at National Consumer Cooperative Bank, based here. NCB was originally established by Congress to serve consumer and small-business cooperatives such as retailer-owned wholesaler cooperatives and their members. NCB has a long-term relationship with the National Grocers ...

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