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Public Financing

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NBT Bank specializes in working with local governments to provide permanent financing through municipal bonds for vehicles, equipment, buildings, highway construction and many other types of projects that can be financed under New York State law.

We also provide short-term financing through:

  • Bond anticipation notes
  • Revenue anticipation notes
  • Interim funding while local governmental entities await permanent funding from New York State, federal agencies or through long-term bonds

Short- term financing for emergency projects is also available.

In addition, we work with local government attorneys to assist in the documentation requirements for borrowing under New York State Local Finance Law.