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Commercial Lending

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NBT Bank offers a variety of loan options* to meet the specific needs of your business.

Term

Do you need long term working capital? A term loan can allow you to make capital improvements or purchase equipment. Borrow funds for your business with a repayment schedule to fit your needs. Term-loan financing through NBT Bank is available for periods up to ten years.

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Time Note

Are you looking for short-term capital? Funds to support a seasonal or non-recurring financing need can be secured with a time note. A time note can be effectively used for specific purchases, such as inventory.

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Working Capital Line of Credit

Do you need capital to fund your growing business? A 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.

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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, refinance, expand, or make improvements to a commercial property, a commercial mortgage could be the answer for you.

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Letter of Credit

Are your suppliers looking for a guarantee that they will be paid? A commercial letter of credit issued by NBT Bank will assure your business partners that they will be paid for goods and services they provide, or that you will meet your contractual obligations to them, by substituting the full creditworthiness of NBT Bank for that of your business in the transaction.
 

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Visa® Business Credit Cards

Visa® 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.

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Small Business Administration (SBA) Loans

Are you a new business or concerned that you may not qualify for a conventional bank loan? NBT Bank offers a variety of term loan and line of credit options backed by government-sponsored loan guarantees.

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*Subject to credit approval.

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