Lobstermen loading lobster traps on a boat

Business Loans

Solutions for Your Company's Financing Needs

For more than a 135 years, our experienced team of professionals has 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, we deliver a range of affordable and flexible business lending solutions, such as:

  • Working capital lines of credit
  • Equipment and machinery financing
  • Vehicle financing
  • 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 Community Banker for more information and to fill out an application.

Why Choose Us

There are lots of banks who will loan you money for your business, but there are several reasons why Bar Harbor Bank & Trust is the partner you need.

Fast, Local Decision Making

Entrepreneurs do everything for their business and securing financing is just another task on a long to-do list. That’s why we have streamlined our approval process to help you get the financing you need fast. For many of our small business clients, the process to apply, get approved, and get a loan can happen in a day or two.

Relationship Approach

We invest in and value long-term customer relationships. Our bankers take the time to truly understand your business and respective goals and challenges. Even after we approve your financing, we will be there to answer any questions you have or offer whatever assistance or guidance you might need.

Face-to-Face Interaction

Unlike the experience of borrowing from larger financial institutions, you will really know your banker when you work with us. Our bankers are more than just a name in your email inbox or voicemail. We are trusted advisors that you can sit down with during the application process and any time after.

Competitive rates

Small business 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.

Ready to Apply for a Loan?

If you need financing for your business, we’re here to help.

Download an application

Get started on your loan request by downloading and filling out our loan application

Try our loan advisor tool

Answer a few questions about your financing needs using our Loan Advisor Tool , and we’ll provide specific instructions on next steps including what information you’ll need to provide when applying for a loan.

Contact a Community Banker

If you’re unsure about what financing you need, contact any of our Community Bankers . If you are not sure who to talk to, give us a call at 207-669-6811 or contact us online.

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.

Loans are subject to credit approval.

Community banker standing on boat with lobstermen

Business Success Stories

Our Community Banking team helps businesses write their own success stories.

See their stories

Community Banker Will Hatt

Our Community Banking Team

Our Community Banking Team is  here to help you build a successful business.

Meet our Team