Pathfinder Bank

This is a financial institution offering SBA loan programs and small business financing solutions designed to help entrepreneurs grow and succeed. You can find assistance with SBA 7(a) loans, expert guidance, and personalized support for your business needs. The bank specializes in serving small businesses in the region, providing access to capital and financial resources.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours. Calling ahead can help you prepare and streamline your visit.

Pathfinder Bank's Oswego main office operates Monday-Thursday from 8:30 AM to 4:00 PM and Friday from 8:30 AM to 5:00 PM; contact the branch at (315) 343-0057 to confirm current hours and arrange appointments outside regular business hours.

There are no fees for simply visiting or consulting with the bank, but standard loan application and processing fees may apply if you pursue financing options.

This bank primarily serves small business owners and entrepreneurs in the region, but anyone interested in SBA loans and small business financing can inquire about their services.

A minimum personal credit score of 620 is generally preferred, though other factors may also influence approval decisions.

The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the complexity of your financial situation.

Most banks keep weekday business hours and are closed on weekends, and Pathfinder Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Pathfinder Bank to confirm current weekend availability before you go.

Pathfinder Bank is located in New York — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Pathfinder Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Pathfinder Bank itself, which runs its own lending under its own ownership. If you work at Pathfinder Bank, you can claim this listing from this page to manage it.

The core details for Pathfinder Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Pathfinder Bank before applying. If you represent Pathfinder Bank, claim this listing to keep its information up to date.

You can reach Pathfinder Bank by phone at (315) 343-0057, via their contact form at pathfinderbank.com/about-us/contact-us.html, or online at pathfinderbank.com — for SBA loans specifically, ask for their business lending department and confirm current offerings.

Based on its approved SBA loans, Pathfinder Bank most often finances businesses in restaurants & food service, general retail, and manufacturing. This reflects Pathfinder Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Pathfinder Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Pathfinder Bank participates in SBA Express depends on its specific SBA lending authority. Contact Pathfinder Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Pathfinder Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Pathfinder Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Pathfinder Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Pathfinder Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Pathfinder Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Pathfinder Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Pathfinder Bank weighs this case by case under its own policy, so be upfront about your history and ask Pathfinder Bank how it evaluates prior bankruptcies.