Business Lending


Group of Commercial Loan officers are aligned in a row against a white background with hands crossed and smiling.

From Left to Right: Edward Petras, Vice President, Commercial Lending Team Leader; Jillian Back, Vice President, Commercial Lending; Joseph T. Baptista Jr., President & CEO; Curtis McKinney, Senior Vice President and Senior Lending Officer; Anthony Medeiros, Vice President, Commercial Lending and Christopher J. Lynch, Vice President Commercial Lending.  

To comply with new federal regulations, the Bank will be collecting additional information from our business customers that will include ownership and control person identification. This information will be used to help the government fight financial crime and the rule requires U.S. financial institutions to obtain, verify, and record information about the beneficial owners of legal entity customers. Legal entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud, and other financial crimes. Requiring the disclosure of key individuals who own or control a legal entity helps law enforcement investigate and prosecute these crimes.  We ask that you please have this information ready when you come in to open your account.  We appreciate your business and thank you for your cooperation.  Please contact us directly with any questions.   

We have loans up to $10,000,000 with competitive fixed or variable rates available for the purchase, renovation or refinancing of commercial real estate. Maturities up to 25 years with payments based on an amortization schedule of up to 25 years – the options for your business are endless.

Loans from $5,000 to over $1,000,000 are available for equipment purchases or long term financing needs. With maturities from 1 to 10 years and competitive fixed or variable rates, our Term Loans will fit any and all equipment financing needs.

Does your business require seasonal working capital, inventory and/or receivables financing? Need a financing product designed to help cover the cycles of your business? Then our revolving line of credit is perfect for you and is offered in any amount from $10,000 to over $2,000,000 with competitive fixed or variable rates.

As a participating Small Business Administration (SBA) lender, we work in conjunction with the SBA to provide your business with viable alternatives to traditional business financing. We participate in the SBA’s 7(a), Express, Patriot Express and 504 loan programs.

To learn more about SBA Lending please contact our SBA Loan Specialist to walk you through the application and approval process.

With our Choice Overdraft Protection Line of Credit, you’ll never have to worry about returned check fees or being embarrassed by an inadvertent overdraft. Overdraft Protection up to $10,000 is available to qualified applicants.

Annual Fee from $50 – $250 varies based on tier. Refer to our Schedule of Rates and Fees for more information.  

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