Municipal Lending

Cities, towns, and counties turn to Bar Harbor Bank & Trust for affordable financing options to pay for everything from schools and roads to other projects designed to spur growth and create jobs. We offer a wide range of short- and long-term financing options as well as trusted guidance from experienced bankers. 

Have questions? We are here to help. Contact your local Commercial Banker for more information.

Tax Anticipation Notes

Tax payments are an annual or semi-annual event in most towns, but the business of running the town is a daily occurrence. Tax Anticipation Notes are unsecured line of credit loans that provide funds to pay ordinary operating costs. The principal may be borrowed as needed, but these notes do not require any payment until maturity.

Capital Purchase/Term Notes

Need a new ambulance, police cruiser, safety equipment, or fire truck? We offer flexible repayment schedules and very competitive rates.

Capital Improvement/Construction Notes

We offer construction financing and permanent funding to build/renovate town facilities with terms, fees, and rates that are competitive with the Municipal Bond Bank.

All applications are subject to approval.