Commercial Lending

From capital improvements to working capital financing, we offer a broad range of credit solutions to support your business. And, the proactive approach our team of professional bankers follow addresses the unique financing needs of your business and helps build long-term relationships.

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

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: NBT Bank can provide both short and long-term permanent financing for the purpose of property acquisition, to repay construction financing or to refinance existing debt. Fixed-rate and variable-rate financing is available and can be structured to fit your specific needs.