Explore Commercial Lending Solutions
From capital improvements to working capital financing, we offer a broad range of credit solutions to support your business. We take a proactive approach to helping your business meet its financing needs and achieve long-term success.
NBT Bank offers a variety of loan products to meet the specific needs of your business. Contact one of our commercial bankers today to access our team of expert banking professionals ready to support you with all of your lending needs.
NBT Bank can provide the financing for your commercial real estate needs. Whether you're buying, refinancing, expanding, or improving a property, a commercial mortgage can help.
We offer two types of commercial mortgages:
- Construction Financing: NBT Bank can assist you in providing financing for new construction or renovation of investment and business property.
- Permanent Financing: Whether purchasing property, repaying construction financing, or refinancing debt, NBT Bank offers flexible financing solutions.
Are you a new business or concerned that you may not qualify for a conventional bank loan? As an SBA Preferred Lender, NBT Bank can streamline the path to government-backed financing.
SBA loans serve a variety of business financing needs, including:
- Financing inventory and equipment purchases
- Owner-occupied commercial real estate financing
- Business acquisition or expansion
- Term financing for working capital
- Refinancing business debt
- Asset-based lines of credit (LOC)
SBA loans are available to many types of businesses, from established businesses to start-ups. Successful, expanding businesses are the ideal candidates for SBA financing. No matter your business size, our SBA lending experts are here to guide you from loan selection through funding.
Working Capital Line of Credit
A Working Capital Line of Credit helps fill the gap between accounts receivable and accounts payable. It can also support orders and contracts received and may help increase inventory during peaks in your business cycle.
Star Access Line of Credit
A Star Access Line of Credit provides you with a revolving source of funds for your ongoing needs. After your line of credit is set up, you can draw funds as needed by writing a check or making a transfer in NBT Digital Banking.
Business Overdraft Line of Credit
A Business Overdraft Line of Credit provides added protection by covering charges that exceed your account balance.
Time Note
Access funds for seasonal needs, special expenses, or inventory purchases with a time note.
Term Loan
A term loan allows you to make capital improvements or purchase equipment. Borrow funds for your business with a repayment schedule of up to ten years that fits your needs.
