Small Business Lending

Built to support how you do business

Running a small business takes vision, persistence, and the right financial support. Our small business solutions are designed to help you manage day-to-day operations, plan for growth, and move forward with confidence, backed by local decision-making and experienced guidance.

Small Business Administration (SBA) Loans

SBA preferred lending, made simpler

As an SBA Preferred Lender, Bay State Bank is authorized by the U.S. Small Business Administration to make credit and eligibility decisions directly. This helps streamline the loan process, allowing for faster decisions from application to approval and funding.

Our homegrown lending team works closely with you to understand your goals and guide you through each step.

Benefits:

Faster processing from application to funding
Competitive rates and favorable terms
A trusted, reliable lending partner focused on your success

Learn More

Small Business Toolkits

In Partnership with the Massachusetts Office of the State Treasurer and Receiver General

Planning Your Business

Toolkit

Funding Your Business

Toolkit

Managing Your Business

Toolkit

Small Business Accounting

Toolkit

What Our Business Partners Have to Say

“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

“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.