Saratoga National Bank and Trust

Saratoga National Bank and Trust is a community commercial bank headquartered in Saratoga Springs, NY, serving businesses across New York's Capital Region. The bank holds SBA Preferred Lender status — meaning it can process certain SBA loan approvals in-house, which typically speeds up decisions compared to non-preferred lenders — and has been recognized by the U.S. Small Business Administration as a top small lender in the region. Its small-business lineup covers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. The bank carries a strong local reputation for personalized service, consistent with what you'd expect from a community institution. Rates, fees, and qualification requirements aren't publicly listed, so you'll need to reach out directly. A good fit if you're based in the Capital Region and want a local banking relationship with SBA loan access.