Commercial Loans

Partners in your success

It’s about trust, confidence, and having a financial partner who understands where you’re headed. With local insight and experienced guidance, we’re here to support your business with the lending solutions and banking expertise you need to grow and move forward.

Let's Build Something Together

Whether you’re planning for growth, managing cash flow, or investing in long-term assets, Bay State Bank offers commercial loan solutions tailored to your business needs. Our business lenders take the time to understand your goals and help design financing that fits your strategy, timeline, and industry.

Loans over $500k
Flexible financing for a range of business needs
Local decision-making and personalized support from experienced commercial lenders
Solutions that scale from short-term working capital to long-term investments

Commercial Loan Options

Tailored to how your business works

We offer a variety of loan products designed to address different commercial priorities, from day-to-day cash needs to loans above $500k¹.

Lines of credit — flexible access to funds when you need them
Term loans — fixed loan amounts with structured payments to support larger investments
Real estate loans — financing for acquisition, refinancing, or owner-occupied property
Construction loans — funding for new builds, renovations, and expansions
SBA and government-backed loans — preferred lender options for streamlined SBA financing
Equipment financing — purchase or upgrade business assets
Letters of Credit — Payment assurance that supports domestic and international business transactions

Connect with a Commercial Lender

How it works

A lending partner invested in your success

With Bay State Bank, you get more than financing. You get a local lending team that works alongside you from application through funding and beyond. We take the time to understand your business, align financing to your goals, and guide you through a clear, efficient lending process.

Customized financing based on your business purpose and cash flow
Personalized support throughout underwriting and approval
Local decision-making for faster responses and tailored terms
Experienced business lenders who know your community
Ongoing relationship support after funding, plus access to business checking, cash management, and additional lending solutions

Connect with a Commercial Lender

What our business owners have to say

“Great customer service and attentiveness to our growing small business! Bay State Bank is big enough for what we need yet small enough to still care about the local community as well as our needs.”

- Brian J.

“The team at Bay State is always willing to help me with my business needs. I’ve been working with them for years, and their support has been invaluable.”

- Ashley J.

“Our company has been working with Bay State Bank (Grafton St) for over 10 years now. We’re appreciative of the great customer service and attention to detail that Jeff Locke and his team provide to us.”

- Rafael G