NBT Bank Term Loan

Do you need long term working capital? When you need to make capital improvements or purchase equipment, an NBT Bank Term Loan can help. You can borrow funds for your business with a repayment schedule to fit your needs. Term Loan financing through NBT Bank alone or with an SBA guarantee is available for periods up to seven and ten years, respectively.

NBT Bank Time Note

Are you looking for short-term capital? If you are looking for funds to help support a seasonal or non-recurring financing need, an NBT Bank Time Note may be your answer. A Time Note can be effectively used for specific purchases, such as inventory.

Working Capital Line of Credit

Do you need capital to fund your growing business? NBT Bank's Working Capital Line of Credit can fill the gap between accounts receivable and accounts payable. It can support orders and contracts you receive and may help increase inventory during peaks in your business cycle.

Commercial Mortgage

Do you need funds to purchase or improve a commercial property? NBT Bank can provide the financing for your commercial real estate needs. If you need to purchase, expand or make improvements to a commercial property, a Commercial Mortgage from NBT Bank could be the answer for you.

Letter of Credit

Are your suppliers looking for a guarantee that you can pay? A Letter of Credit will assure your business partners that you can pay for goods and services they provide. NBT Bank can send a Letter of Credit to a supplier, government agency or other organization that states that you can pay as promised.

Star Access Line of Credit

A Star Access Line of Credit* provides you with a revolving source of funds to draw against for your ongoing needs. Once your line of credit is set up, you can simply write yourself a loan to cover your business expenses by writing a check or transferring funds using NBT Online Banker for Business.

* This line of credit option features a variable interest rate that is subject to change.

VISA® and MasterCard® Business Credit Cards

Visa® and MasterCard® Business Credit Cards are available to businesses to assist you with the purchase of inventory and work-related items, business lunches and dinners, and more. Monthly statements help you to monitor your expenses and allow for easy reconciliation of transactions and payments.