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 $500k.

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 —

Connect with a Commercial Lender

How it works

Support every step of the way

Our business lenders work with you from application through funding. We take the time to understand your business, tailor solutions to your goals, and help guide you through every step of the lending process.

Customized financing options based on business purpose and cash flow
Personalized support throughout underwriting and approval
Ongoing relationship support after funding

Connect with a Relationship Manager

Why choose Bay State Bank

A lending partner for your success

With Bay State Bank, you get more than a loan — you get a team committed to helping your business thrive. Our local expertise, flexible options, and relationship-first approach help make business lending clearer and more efficient.

Local decision-making for faster responses and tailored terms
Experienced business lenders who know your community
A full suite of business services — from checking to cash management and lending

Connect with a Business Lender