Business Loan Promotional Offer

Businessmen in Warehouse

Ready to accelerate your business growth?

From February 9 to March 6, 2026, you can take advantage of our introductory discounted loan rates when you apply online for an NBT Bank business loan.

Promotional Rates Effective February 9 to March 6, 2026

BUSINESS
TERM LOAN

FIXED RATE

6.00%

Terms up to 60 months for loans up to $1MM

BUSINESS
COMMERCIAL MORTGAGE

INTRODUCTORY RATE

6.00%

Fixed for the first 5 years

Rate will then reset
every 5 years
at the then 5-year

NY FHLB Rate + 2.75%

Loan term up to 20 years and $1MM

Apply Online and Save Time!

Now you can apply for a business loan 24/7 in minutes.
This limited-time offer expires March 6, 2026.

Loan Terms/Details

Rates shown are as of 02/09/26 and are subject to change.

Offer subject to credit approval. The promotional rates shown are not applicable for government-guaranteed products or refinancing of existing accounts, including lines of credit, term loans, and commercial real estate mortgages with NBT Bank. Other rates and terms are available. Additional terms and conditions may apply.

These rates are eligible for business lending customers with $1 million or less in NBT business loan commitments, including this loan offering. New money only.

*Rates shown reflect a discount of 0.25% for automatic payment from an NBT Bank Account and would increase if this condition is not met.

APPLY NOW

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