Franchise Financial Services

Get expert financing from a trusted team.

NBT is just the right size to offer a comprehensive suite of financial products and services for your franchise—all backed by an expert, experienced team that can offer a trusted partnership and solutions to meet your goals.

Flexible and Custom Financing

We offer a variety of banking, insurance, and retirement products that are flexible and customizable enough to suit your needs. We’re focused on supporting our communities and building strong relationships that will benefit your business long-term.

Strong Partnerships

Through our performance driven, consultative approach, NBT Bank can offer your company a solid partnership that provides unique and personalized banking solutions that meet your specific needs and goals.

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Let us help you with your next franchise project

Karen Schonfeld

Karen Schonfeld

Managing Director

Franchise Finance


[email protected]

Critical Franchise Financing Experience

We have critical experience with franchise financing in:

Remodeling Requirements


Minority-Owned and Women-Owned Businesses

Store Development

M&A Growth

Real Estate

NBT Fast Facts



$13+ Billion

total assets

As of 09/30/23



NBT Suite of Services

Deposit Services | Treasury Management | Purchasing Card | Business Insurance | Direct Deposit

Employee Banking Program | Wealth Management | 401(k) Retirement Plans | Fraud Protection Services

Well-Rounded Solutions

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Treasury Management

NBT Bank’s cost-effective treasury management services will provide you with the flexibility and resources to effectively manage your funds. Our treasury management experts will work with you to select the right options for your business, including fraud protection.

NBT Insurance

At NBT Insurance Agency, you are supported by a team of experienced insurance advisors whose role is to ensure your needs are addressed and your business is protected.

Wealth 401(k)

Through our partnership with NBT Wealth Management, get access to retirement plan programs that work to minimize personal fiduciary exposure, maximize your plan’s investment returns, and manage plan costs. Our one point of contact offers “White Glove Service” for your business.

Employee Banking Benefits

When every minute of the day counts, you need to ensure your employees are focused and engaged in the workplace. Our bank at work program, NBT@Work®, offers your employees the tools and solutions they need to get their financial lives in order such as onsite education workshops, 1-on-1 financial coaching, and planning and saving strategies.

Experience our
White Glove Service

and see why we’re voted one of Forbes World’s Best Banks

Forbes World's Best Banks 2024