For many companies, access to credit is the single most important factor in establishing a banking relationship. No matter what their size, businesses depend on outside sources of capital to operate, develop and expand. Albany Bank and Trust Co.,N.A., understands the importance of providing a speedy and reasonable response to your credit needs. Our wide range of lending products, coupled with fifty years experience working with family owned and operated businesses, means that we can almost always find the right loan package for you.

Albany Bank has the ability to provide financing for any productive purpose. The flexibility to design credit services that accommodate your business specific needs is a major advantage of our lending philosophy. Credit services include secured and unsecured loans, fixed or floating interest rates, short-term revolving lines or multi-year accommodations. In addition, our commercial real estate department offers financing for real estate developers, owners and operators. Finally because we recognize that ultimately it is you and your family that is "the customer" Albany Bank offers a wider variety of personal loans for the acquisition of homes, automobiles and other personal needs. 

Creative approaches to credit, competitive financing terms, stability in the account relationship, experience in the market and a solid group of knowledgeable professionals these are the hallmarks of Albany Bank's lending program. Whether your company requires short-term support for trade activities or long-term financing for the acquisition of buildings and equipment, we can tailor a loan package that meets your needs at a sensible cost. A partial listing of our commonly used credit facilities appears below. 

Commercial Loans

Accounts Receivable Financing Acquisition Financing & Leveraged Buyouts Asset Based Lending Capital Equipment Financing Export Financing Loans Secured by Negotiable Instruments Lease Financing Letters of Credit: Direct, Standby, Domestic & Foreign Revolving Lines of Credit Small Business Administration (SBA) Loans Working Capital Loans

Real Estate Loans

Commercial, Industrial and Residential Acquisition Loans Commercial, Industrial and Multifamily Construction Financing Commercial, Industrial and Multifamily Mortgage Financing Interim Residential Financing Land Acquisition and Development Loans Rehabilitation Loans Residential Mortgage Financing Small Business Administration (SBA) Commercial Mortgages

Consumer Loans

ABC Credit Rehabilitation Loans Automobile Loans Home Equity Lines of Credit Home Improvement Loans Personal Loans