Helping Your Business Bank on Success

Business Term Loans & Lines of Credit

Tailored business lending, from expansion financing to working-capital lines.

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Business Term Loans and Lines of Credit

Term Loans

For longer-term fixed capital and expansion needs

If you are looking to expand your business, consider a term loan from Lowell Five Bank. Term loans are ideal for capital needs, whether you want to expand your current operations or purchase equipment.

Term business loans generally range from one to seven years, may be secured or unsecured, and come with a fixed or variable rate.

Lines of Credit (LOC)

Flexibility for your business needs

If your business is growing faster than expected or has fluctuating cash flow, consider a Lowell Five Bank LOC. LOCs are particularly helpful for cyclical businesses that require off-season working capital. They provide more flexibility than business term loans.

With a revolving line of credit, you can borrow up to your established limit and pay interest only on the portion of the money that you borrow. Renewable annually, a revolving line of credit makes sense to balance the highs and lows in cash flow so common to many businesses.

Loan Options

Whether you’re looking to finance short-term operating expenses or a longer-term capital project, Lowell Five’s experienced lenders will find you the right loan.

Term Loans

Finance your company’s startup, expansion or capital needs

Purchase equipment and vehicles, consolidate debt, make business improvements and more
Long-term or one-time expenditures
Term length options: 1-7 years
Secured and unsecured options
Fixed and variable rates

Business Lines of Credit (LOC)

Short-term working capital to help balance the highs and lows in cash flow

Provides increased flexibility
Borrow up to your established limit and pay interest only on the portion of money that you borrow
Revolving need or seasonal requirements
Annual renewal
Options available based on assets

Moments in Bloom

Rose of Sharon is a business built on connection, from the flowers they grow to the bonds they’ve nurtured with other local businesses. It’s a place where customers feel like neighbors, and the beauty of each arrangement brings people together. Melissa’s inspiring story shows how you can find new ways to bloom, even when challenges arise.

Connect With a Business Lender

Our experienced Lowell Five Bank Lending team is here to advise you on the best options, rates, and loan structure for your business needs. We'll take the time to get to know your project and advise you through the process, gathering the materials needed for the quickest decision on your loan application.