{"ok":true,"canonical_url":"https://dealroom.so/lenders/nbt-bank-national-association","api_url":"https://dealroom.so/api/public/lenders/nbt-bank-national-association","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"NBT Bank, National Association","slug":"nbt-bank-national-association","url":"https://dealroom.so/lenders/nbt-bank-national-association","hq":"52 S Broad St, Norwich, NY","website":"www.nbtbank.com","branchCount":177,"sbaFocus":{"pct":0.1,"pctile":25,"tier":"sideline"},"recentDealsSampled":242,"businessPurchases":37,"typicalDeal":200000,"dealRange25th75th":[100000,351300],"typicalDaysApprovalToFunding":20,"topIndustries":[{"count":9,"name":"Limited-Service Restaurants"},{"count":7,"name":"Breweries"},{"count":7,"name":"Full-Service Restaurants"},{"count":7,"name":"Landscaping Services"},{"count":5,"name":"Offices of Certified Public Accountants"},{"count":5,"name":"Beer, Wine, and Liquor Retailers"},{"count":5,"name":"All Other Professional, Scientific, and Technical Services"},{"count":4,"name":"Lessors of Miniwarehouses and Self-Storage Units"}],"topStates":[{"count":189,"state":"NY"},{"count":17,"state":"NH"},{"count":15,"state":"CT"},{"count":7,"state":"VT"},{"count":6,"state":"MA"},{"count":5,"state":"ME"},{"count":3,"state":"PA"}],"topFranchises":[{"name":"D1T raining","count":1,"url":"https://dealroom.so/franchises/d1t-raining"},{"name":"Fleet Feet Sports","count":1,"url":"https://dealroom.so/franchises/fleet-feet-sports"},{"name":"ServiceMaster","count":1,"url":"https://dealroom.so/franchises/servicemaster"},{"name":"Nothing Bundt Cakes","count":1,"url":"https://dealroom.so/franchises/nothing-bundt-cakes"},{"name":"Carstar","count":1,"url":"https://dealroom.so/franchises/carstar"}],"recentDeals":[{"acquisition":false,"approvalDate":"11/20/2025","borrName":"EDWARD & THOMAS O'CONNOR INC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Queensbury","collateral":true,"daysToFund":28,"firstDisbursement":"12/18/2025","fixedVar":"V","franchise":null,"fy":2026,"gross":3525000,"industry":"Site Preparation Contractors","jobs":22,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":6,"revolver":"FALSE","sbaGuaranteed":2643750,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"Guaranty","termMonths":148},{"acquisition":false,"approvalDate":"12/17/2025","borrName":"Cumberland Corners LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Plattsburgh","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":525000,"industry":"Limited-Service Restaurants","jobs":null,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":6.75,"revolver":"FALSE","sbaGuaranteed":393750,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"Guaranty","termMonths":240},{"acquisition":false,"approvalDate":"2/19/2026","borrName":"Beacon Safety Supplies & Consulting LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Falmouth","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":500000,"industry":"Other Scientific and Technical Consulting Services","jobs":null,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.75,"revolver":"TRUE","sbaGuaranteed":250000,"soldSecMkt":null,"state":"ME","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"11/25/2025","borrName":"Beacon Safety Supplies & Consulting LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Falmouth","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":500000,"industry":"Other Scientific and Technical Consulting Services","jobs":null,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":9,"revolver":"FALSE","sbaGuaranteed":250000,"soldSecMkt":null,"state":"ME","status":"CANCLD","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"12/16/2025","borrName":"Hex and Hop, Inc.","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Saranac Lake","collateral":true,"daysToFund":21,"firstDisbursement":"1/6/2026","fixedVar":"F","franchise":null,"fy":2026,"gross":315000,"industry":"Breweries","jobs":11,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":7,"revolver":"FALSE","sbaGuaranteed":236250,"soldSecMkt":null,"state":"NY","status":"CURR","subprogram":"Guaranty","termMonths":240},{"acquisition":false,"approvalDate":"1/28/2026","borrName":"23 West Pizza Company LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"West Oneonta","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":310800,"industry":"Full-Service Restaurants","jobs":10,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":6.5,"revolver":"FALSE","sbaGuaranteed":233100,"soldSecMkt":null,"state":"NY","status":"CANCLD","subprogram":"Guaranty","termMonths":240},{"acquisition":false,"approvalDate":"11/20/2025","borrName":"EDWARD & THOMAS O'CONNOR INC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Queensbury","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":300000,"industry":"Site Preparation Contractors","jobs":20,"paidInFullDate":null,"processing":"SBA Express Program","rate":8,"revolver":"TRUE","sbaGuaranteed":150000,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"3/10/2026","borrName":"Edidel Construction LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Ellington","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"V","franchise":null,"fy":2026,"gross":250000,"industry":"Roofing Contractors","jobs":3,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.75,"revolver":"TRUE","sbaGuaranteed":125000,"soldSecMkt":null,"state":"CT","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"3/3/2026","borrName":"Heat Cool Dry of New England LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Ballston Lake","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":250000,"industry":"Construction, Mining, and Forestry Machinery and Equipment R","jobs":2,"paidInFullDate":null,"processing":"Preferred Lenders Program","rate":7.75,"revolver":"FALSE","sbaGuaranteed":187500,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"Guaranty","termMonths":84},{"acquisition":false,"approvalDate":"2/26/2026","borrName":"Heat Cool Dry of New England LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Ballston Lake","collateral":true,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2026,"gross":250000,"industry":"Construction, Mining, and Forestry Machinery and Equipment R","jobs":2,"paidInFullDate":null,"processing":"SBA Express Program","rate":7.75,"revolver":"TRUE","sbaGuaranteed":125000,"soldSecMkt":null,"state":"NY","status":"COMMIT","subprogram":"FA$TRK (Small Loan Express)","termMonths":120}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits NBT Bank, National Association, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in NY. DealRoom arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). DealRoom forwards the lead to the lender.","web_url":"https://dealroom.so/lenders/nbt-bank-national-association?state=NY&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"NY"},"web_url":"https://dealroom.so/lenders/state/ny?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom lender profile","url":"https://dealroom.so/lenders/nbt-bank-national-association","source_type":"DealRoom Data"}}