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The Adirondack Trust Company

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Description

The Adirondack Trust Company offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on personalized service, they assist clients through various SBA programs, including the popular 7(a) loan program. Their team is dedicated to helping entrepreneurs access the capital they need with flexible terms and competitive rates. Located in Saratoga Springs, NY, they serve a diverse range of industries, providing expertise in business financing and strategic planning. Whether you’re looking for working capital, equipment financing, or real estate loans, this bank is equipped to guide you through the application process and ensure a smooth experience. They understand the unique challenges faced by small businesses and aim to foster local economic development through accessible lending solutions. Their commitment to community banking is reflected in their tailored approach, ensuring each client receives personalized attention and support throughout their borrowing journey.

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Q&A

Lender Type
Commercial Bank
Google Rating
4.4
Google Review Count
18
Question 1
What is this place and what can I find here?
Answer 1
This is a trusted SBA lender offering small business loans, including 7(a) programs, with personalized service to help entrepreneurs access the capital they need for growth and expansion.
Question 2
Do I need an appointment or can I walk in?
Answer 2
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated based on availability.
Question 3
What are the hours of operation?
Answer 3
The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment on select days.
Question 4
Is there a fee to use this?
Answer 4
There are no fees for consultations; however, loan processing and closing fees may apply depending on the loan type and amount.
Question 5
Who is this open to — anyone, or only residents/members?
Answer 5
This lender primarily serves small business owners in the Saratoga Springs region, but they consider applications from eligible businesses across the area.
Question 6
What minimum personal credit score does this bank look for in a guarantor?
Answer 6
A minimum personal credit score of 650 is generally required, 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 2 to 4 weeks, depending on the complexity of the application and completeness of documentation.
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