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Commercial loans

Commercial Lending

Strong. Stable. Money to Lend.

Do you need working capital or financing for new equipment? Are you looking to acquire, or expand your business? 

Whether you're buying real estate, purchasing equipment, or adding personnel, our experienced Commercial Lending team can help you acquire the right funding to get the job done. 

As one of the premier commercial lenders on the North Shore, we can handle your complete financing needs, whether it’s $4 million or $40 million. And we historically offer the most competitive rates in the market. Our experienced lenders work closely with you to offer customized financing options that work for you.

We offer a variety of fixed and adjustable rate financing options for you to purchase or refinance real estate, finance equipment or expand your business. Check out our options below or contact a member of our lending team
to get started.

- For a Limited Time -

3-Year Fixed Rate Commercial loans
AS LoW AS

6.75%

3-Year Fixed Rate/20-Year Amortization*
Includes One Complimentary Rate Modification+

*View Additional Loan Details

Call us at 978-225-1387 or contact us to get started.
 
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For purchasing and refinancing existing commercial real estate including residential multi-family and mixed-use property, office buildings, flex space and retail complexes; construction and development of industrial and residential property. Long-term fixed and adjustable rate options are available.

For equipment and vehicle purchases, leasehold improvements and business-expansion financing. Repayment terms are typically tied to the depreciable life of the assets being financed.

Available to provide cash flow for short-term working capital needs at a variable interest rate.

Partnering with the U.S. Small Business Administration (SBA), we provide credit enhancements for small businesses through a variety of programs, including the 7(a) guarantee program and SBA Express Loans. Also available are direct SBA loans through the 504 lending program; these loans are made in conjunction with conventional bank financing to acquire real estate and certain business equipment.

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*Advertised rate is available for qualified commercial real estate loans of $500,000 or more and is available for a limited time on applications received by December 31, 2026. Subject to credit approval, collateral eligibility, and other applicable terms. Loans under $500,000 may be available at different rates and amortization structures. Minimum debt service coverage ratio 1.50:1. Maximum loan-to-value (LTV) 70%. Standard closing costs apply. Other terms and conditions may apply.
+Borrower shall have the option to exercise one modification until 12 months from the date of loan origination. There is no Bank modification fee. Other fees may apply.  Reduced rate will be in place until maturity.  Interest rate would be determined by adding 2.00% above the then current 3 year FHLB Classic Advance Rate.  In no event will the rate of interest be less than 6.50%. Modification would be subject to satisfactory loan review demonstrating full compliance with covenants and no existence of non-cured defaults.