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NBT Bank, National Association

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Description

Offering comprehensive SBA lending services, this financial institution specializes in supporting small businesses through various loan programs. With a focus on the 7A program, it provides funding solutions that cater to business expansion, working capital, and acquisition needs. The bank’s experienced team assists clients in navigating the application process, ensuring they meet all requirements for approval. Located in Norwich, NY, it serves a broad range of industries, with particular strength in commercial real estate and retail sectors. The bank is committed to delivering personalized service, helping entrepreneurs secure the capital they need to grow and succeed. Whether you’re a startup or an established business, this lender offers flexible financing options tailored to your goals. Its strategic approach emphasizes quick turnaround times and transparent fee structures, making it a reliable partner for your business financing needs.

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Q&A

Lender Type
Commercial Bank
Google Rating
2.8
Google Review Count
38
Question 1
What is this place and what can I find here?
Answer 1
This is a trusted SBA lender offering various loan programs designed to support small business growth and development. You can find personalized guidance and flexible financing options tailored to your needs.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It"s recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-in consultations may be available during business hours.
Question 3
What are the hours of operation?
Answer 3
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside these hours upon request.
Question 4
Is there a fee to use this?
Answer 4
There are application and closing fees associated with SBA loans, but these are disclosed upfront and vary depending on the loan specifics.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small business owners and entrepreneurs within its geographic region, but eligibility depends on meeting loan criteria.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 640 is generally preferred, though higher scores improve approval chances.
Question 7
How long does the traditional underwriting process take from start to close?
Answer 7
The underwriting process typically takes 30 to 45 days, depending on the completeness of application materials and loan complexity.
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