Business

Commercial Lending

We’ve got a commercial lending product to support the financial needs of your company. From business loans to flexible lines of credit, we will match you with the right loan and right lender to help you and your business succeed. With a streamlined application process and decisions made locally, you’ll appreciate the service you get from a local community bank. Our asset size and strong capital ratio provide us the resources to fund almost any project. Apply online or call 978-452-1300 to speak with a commercial lender today.

Rates – fixed or floating, we offer both. Every loan is different and based on the application and business’ needs. Our rates are highly competitive among area lenders.
Loan Amounts – $10,000 – $20,000,000.
Terms – flexible and designed for your needs.

Commercial Real Estate Loans

Whether you need to finance 20,000 square feet of new office space or a multi-family apartment building, our team of professionals will find you the right loan with the right terms. Our lending options include fixed and variable rate loans with a range of amortization schedules.

Ideal for

Businesses and individuals needing financing for office condominiums, residential apartment buildings, commercial office space, retail, industrial, or other commercial rental space as well as smaller mixed use properties.

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Construction Loans

Ideal for

Professional builders and/or developers needing financing to acquire and develop residential and commercial land, as well as the construction of residential and industrial buildings.

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Lines of Credit

A flexible option designed to help your business operate with ease. We offer three types of lines: seasonal, revolving, and asset based. Let us help find the right loan for your business.

Ideal for

Businesses in need of short-term working capital. With this type of credit, your business can borrow funds, repay the balance, and then borrow again as needed.

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Term Loans

A loan designed to help your business grow with the purchase of inventory or equipment.

Ideal for

Businesses looking to finance their start, expand their current operations, or finance new equipment. Term loans range in maturities, typically from one to seven years and may be secured or unsecured.

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SBA Loans

Ideal for

Start-up companies or small businesses which may not qualify for conventional loans. Government guaranteed SBA loans provide commercial financing for businesses that need to start or expand.

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Small Business Banking Partnership

Ideal for

Massachusetts’ small businesses that need financing to increase production and employees. These low-interest loans up to $1,000,000 are offered through a partnership with the Massachusetts State Treasurer’s Office.

As of June 30, 2014, the Lowell Five has made 107 loans under this program for a total of $12,961,747.  Loan recipients include minority owned businesses and businesses in moderate to low census tracts.  These loans have resulted in job creation.

Our Small Business Lending team, located within our retail banking department is equipped to make quick decisions on loans under $50,000.  These credit scored loans range from business lines of credit attached to a checking account to equipment and working capital loans.

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Download a Personal Financial Statement.  This form should be printed, completed and returned to the Lowell Five Cent Savings Bank. For more information, please contact a member of our Commercial Team.