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Hawaii District Office
500 Ala Moana Blvd. Suite 1-306
Honolulu, HI 96813
United States
Phone: 808-541-2990
Fax: 808-541-2976
Hours of Operation:
Monday through Friday from 8:00 AM to 4:30 PM
SBA Approves The Upstate National Bank as New SBA Express, Patriot and Export Express Lender in Buffalo

Advisory Date: Tuesday, May 14, 2013
Release Date: Monday, May 13, 2013
Release Number: 13-12
Related State:
New York
Contact: Kelly LoTempio

BUFFALO, NY – The U.S. Small Business Administration has given authority to The Upstate National Bank to provide financial assistance to small businesses under SBA’s Express, Patriot Express and Export Express loan programs.

“We’ve worked to identify, connect, prepare, and support small businesses and veterans by expanding into new markets and by partnering with our lenders,” said SBA Buffalo District Director Franklin J. Sciortino. “We hope to provide the financial resources necessary to assist small business exports, veterans, growth and job creation.”

SBA and The Upstate National Bank officials agreed to work together in fostering the district’s economic development, by promoting opportunities that result in increased small business creation and expansion.  Overall, the pace of SBA loan-making is a healthy sign for the economy and the credit markets, and is one of the foundations for ensuring availability of financing to small businesses trying to establish themselves, grow and create new jobs for Americans.

The SBA Express Loan Program offers term loans and line of credit options.  It provides financing for business acquisition, equipment, debt refinance, working capital and tenant improvements.  Key benefits include reduced SBA eligibility document requirements and longer loan terms.

The Patriot Express program provides lending assistance for small business owners in the military community and their spouses. Proceeds may be used for financing business acquisition, start-ups, equipment, debt refinance, working capital, inventory and tenant improvement.

 SBA Export Express offers flexibility and ease of use to both borrowers and lenders. It is the simplest export loan product offered by the SBA and allows participating lenders to use their own forms, procedures and analyses. Loans made through Export Express up to $350,000 have a 90 percent guaranty and loans between $350,000 and $500,000 have a 75 percent guaranty. Loan proceeds may be used for business purposes that will enhance a company’s export development. Export Express can take the form of a term loan or a revolving line of credit.

Lending at the end of the first half of FY 2013 was ahead of the pace at the same point a year ago by more than 65 percent.  Loan approvals have reached $40,650,300 year to date. 

“The Upstate National Bank prides itself on opening more doors to more dollars in our small business community.  Expanding access to capital and opportunity is critical and we know we can do more,” said President Kathleen Whelehan.  “Our SBA Express, Patriot and Export Express approval’s is just one more step The Upstate National Bank has taken to remain responsive to the needs of small business,” said Whelehan.

To apply for an SBA Express, SBA Patriot or Export Express loan, applicants must meet the small business size criteria established by the SBA.  For more information on SBA’s loan programs, call the SBA district office at (716) 551-4301 or visit




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