Patriot Bank, National Association

This is a financial institution offering SBA loan programs, business banking services, and expert support for small business financing needs.

It's recommended to schedule an appointment, but walk-ins are also welcome during business hours for consultation and application assistance.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with extended hours by appointment.

There are no fees for visiting the branch; however, loan applications and services may involve standard banking fees and charges.

This bank primarily serves local businesses and residents in the region, but offers services to eligible applicants nationwide for SBA loans.

A minimum personal credit score of 640 is generally required, though higher scores improve approval chances.

The underwriting process typically takes between 2 to 4 weeks, depending on the loan complexity and completeness of documentation.

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

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

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

You can reach Patriot Bank, National Association by phone at (888) 728-7468 or online at bankpatriot.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Patriot Bank, National Association before relying on them.

Based on its approved SBA loans, Patriot Bank, National Association most often finances businesses in restaurants & food service, automotive repair & services, general retail, fitness & recreation, and medical practices & clinics. This reflects Patriot Bank, National Association'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 Patriot Bank, National Association 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 Patriot Bank, National Association participates in SBA Express depends on its specific SBA lending authority. Contact Patriot Bank, National Association 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. Patriot Bank, National Association 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. Patriot Bank, National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Patriot Bank, National Association 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 Patriot Bank, National Association 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 Patriot Bank, National Association 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 Patriot Bank, National Association 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. Patriot Bank, National Association weighs this case by case under its own policy, so be upfront about your history and ask Patriot Bank, National Association how it evaluates prior bankruptcies.