NBT Bank, National Association
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by NBT Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 62 | $11.5M | $186K | 2.4% |
| 561730 | Landscaping Services | 51 | $9.1M | $179K | 2.0% |
| 722410 | Drinking Places (Alcoholic Beverages) | 49 | $4.3M | $88K | 1.9% |
| 812112 | Beauty Salons | 43 | $3.8M | $89K | 1.7% |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 38 | $5.0M | $132K | 1.5% |
| 811111 | General Automotive Repair | 38 | $5.4M | $143K | 1.5% |
| 621210 | Offices of Dentists | 36 | $9.9M | $275K | 1.4% |
| 713940 | Fitness and Recreational Sports Centers | 35 | $6.6M | $188K | 1.4% |
| 722513 | Limited-Service Restaurants | 29 | $4.8M | $166K | 1.1% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 29 | $8.1M | $280K | 1.1% |
Geographic Distribution
SBA lending activity for NBT Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New York (NY) | 2,131 | $356.3M | 82.3% |
| Pennsylvania (PA) | 162 | $30.9M | 6.3% |
| New Hampshire (NH) | 132 | $28.7M | 5.1% |
| Vermont (VT) | 33 | $13.6M | 1.3% |
| Connecticut (CT) | 53 | $13.0M | 2.0% |
| Massachusetts (MA) | 60 | $7.7M | 2.3% |
| Maine (ME) | 6 | $1.9M | 0.2% |
| New Jersey (NJ) | 5 | $960K | 0.2% |
| California (CA) | 2 | $272K | 0.1% |
| Rhode Island (RI) | 1 | $150K | 0.0% |
| Nevada (NV) | 1 | $150K | 0.0% |
| North Carolina (NC) | 1 | $76K | 0.0% |
| Florida (FL) | 1 | $17K | 0.0% |
Why Choose NBT Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,588 SBA loans approved, totaling $453.8M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Landscaping Services, Drinking Places (Alcoholic Beverages)
- ✓Competitive Terms: Average interest rate of 5.88% with flexible term lengths averaging 106 months
- ✓Loan Range: Loan sizes from $90 to $4.8M, with an average of $175K
- ✓Nationwide Reach: Active lending in 13 states, with strong presence in NY, PA, NH
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about NBT Bank, National Association SBA lending
What types of businesses does NBT Bank, National Association typically finance?
NBT Bank, National Association specializes in SBA 7(a) lending to specific industries including full-service restaurants, landscaping services, drinking places (alcoholic beverages), beauty salons. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are NBT Bank, National Association's typical SBA loan terms?
NBT Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 5.88% and average term length of 106 months (approximately 9 years). Loan sizes range from $90 to $4.8M, with an average loan size of $175K.
Do I need a business valuation for a NBT Bank, National Association SBA loan?
Yes, NBT Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does NBT Bank, National Association compare to other SBA lenders?
NBT Bank, National Association has originated 2,588 SBA loans totaling $453.8M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does NBT Bank, National Association lend in?
NBT Bank, National Association provides SBA 7(a) financing with particularly strong presence in NY, PA, NH, MA, CT. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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