Banker talking to a business owner

Business Loans

Solutions for your company's financing needs

For more than 135 years, our experienced Commercial Lenders have been building strong relationships with businesses of all sizes and industries throughout New England. Visit our Business Success Stories page to view testimonials from some of the businesses we have helped.

We make it easy to get you the financing your business needs. With local decision making and the ability to underwrite loans up to $50 million dollars, 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
  • SBA loans

Contact your local Commercial Banker for more information and to fill out an application.

Why Choose Us

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 including: 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.

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 for you.

Ready to Apply for a Loan

Applying for a commercial loan

Do you need financing for your business but aren’t sure where to start? Give us a call at 207-669-6811 when you are ready to talk about your business needs.

When opening an account at Bar Harbor Bank & Trust, the Beneficial Owner(s) Certification Form must be completed by an individual authorized to open accounts or provide information on behalf of the legal entity. Visit the Beneficial Ownership Certification page to learn more and download the form.

All applications are subject to approval