Business Lending

Solutions for your company's financing needs

For decades, our experienced team of professionals has been building strong relationships with businesses of all sizes and industries throughout New England. To see video testimonials of how we help businesses of all sizes throughout New England, visit our Business Success Stories page.

We make it easy to get you the financing your business needs. With local decision making, we deliver a range of affordable and flexible commercial lending solutions, such as:

  • Working capital lines of credit
  • Equipment and machinery financing
  • Commercial vehicle financing
  • Commercial boat loans
  • Inventory loans
  • Business term loans
  • Letters of credit
  • Commercial real estate mortgages
  • Construction loans
  • Land acquisition and development loans

For more information and to make an application, contact your local Commercial Banker.

Competitive rates

Commercial loans are underwritten on a case by case basis. Every loan application is unique and evaluated on its own merits. Rates vary depending on the loan product. Commercial loan quotes depend on a variety of underwriting factors. Debt service coverage, collateral coverage or loan-to-value (LTV), borrower’s financial strength (liquidity and the amount of liabilities compared to assets), experience, and guarantor support are the primary factors.

Relationship approach

We invest in and value long-term customer relationships. Having an established personal relationship with your banker is important for your company’s success. Our experienced Commercial Bankers take the time to truly understand your business and respective goals and challenges to provide the right financing solution.

We look forward to learning about your business and providing you with a term sheet for consideration. Please contact us to discuss your financing needs.

Applying for a commercial loan

Do you need financing for your business but aren’t sure where to start? This video will help you understand the basics of applying for a commercial loan at a bank.


Phone iconGive us a call at 207-669-6811 when you are ready to talk about your business needs.


Agency Guarantee Programs

When there are gaps between what you want to do and what the bank can do, agency guarantee programs can often be the bridge. Frequently, these programs are used when capital and/or collateral are lacking. For young or start up businesses, sometimes an agency guarantee is the solution to getting your first loan. Turn to us for in-depth expertise on many small business financing programs, including:

  • Small Business Administration
  • USDA Rural Development
  • Finance Authority of Maine
  • New Hampshire Business Finance Authority
  • Vermont Economic Development Authority

All applications are subject to approval