The Upstate National Bank

This is a bank that offers SBA loan programs and small business financing solutions, helping entrepreneurs secure the capital needed for growth and operations.

You can walk in during business hours or schedule an appointment with their loan officers for personalized assistance.

The Upstate National Bank is open Monday through Friday from 9:00 AM to 4:00 PM. Please confirm current hours and any holiday schedule changes with the lender.

There are no fees to apply for SBA loans; however, standard interest rates and closing costs apply.

This bank primarily serves small business owners in the Ogdensburg area, but they welcome clients from the broader region seeking SBA financing.

A minimum personal credit score of 620 is generally required to qualify for SBA loans.

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

Most banks keep weekday business hours and are closed on weekends, and The Upstate National 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 The Upstate National Bank to confirm current weekend availability before you go.

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

The core details for The Upstate National 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 The Upstate National Bank before applying. If you represent The Upstate National Bank, claim this listing to keep its information up to date.

Call The Upstate National Bank at (315) 393-3332, or submit a form via their contact page at https://upstatebank.com/contact-upstate-national-bank/ to reach the business lending department. Confirm current contact methods with the lender.

Like most SBA lenders, The Upstate National Bank can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask The Upstate National Bank directly which industries 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 The Upstate National Bank participates in SBA Express depends on its specific SBA lending authority. Contact The Upstate National 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. The Upstate National 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. The Upstate National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask The Upstate National 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 The Upstate National 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 The Upstate National 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 The Upstate National 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. The Upstate National Bank weighs this case by case under its own policy, so be upfront about your history and ask The Upstate National Bank how it evaluates prior bankruptcies.