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Your partner in small business banking

Here, you’ll find expert advice, practical tools, and local support to help you grow your small business.

Contact a small business banker
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Starting a Small Business

Starting a Small Business

Everything you need to know about business registration, budgeting, start-up costs, and more.

So You Want To Start A Business
What Will Starting My new Business Cost?
How To Register Your Business
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Managing a Business

Managing a Business

Our specialized tools and resources make it easier to manage cash flows and cut down on processing time with digital tools designed to make your business work better.

Working on Your Business (Instead of In It)
Profit Doesn’t Equal Payday
Mastering Time Management and Productivity
The Power of the Right Partners
Choosing the Right Business Financing
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Growing a Business

Growing a Business

Whether you’re borrowing to help fund new growth cycles, or just need the advice of professionals who have helped countless businesses get where you’re going, we’re here to help you journey well.

Financing Your Small Business
Striving to Thriving
Acquiring an Existing Business
How to value a small business
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Planning Ahead

Planning Ahead

No business is complete without a plan of action. Work with our advisors to get ahead of your next steps and ensure your finances are living up to your big ideas.

5 Cs of Credit
Why you need an exit strategy
5 tips to future-planning

Latest Articles

Explore Articles

Choosing The Right Business Financing

Your business is more than numbers. It’s your vision, your livelihood, and a vital part of the local economy. When the time comes to expand, choosing the right business financing…

Read More: Choosing The Right Business Financing

How & Why to Put Value on Your Business

As a small business owner, you’ve poured time, energy, and heart into building something meaningful. You know every corner of your operations, understand your customers, and have weathered more challenges…

Read More: How & Why to Put Value on Your Business

Acquiring an Existing Business

There are several paths to self-employment: starting from scratch, buying into a franchise, or purchasing an existing business. While each route has its own merits, buying an existing business can…

Read More: Acquiring an Existing Business

5 Tips to Future-Planning

As a small business owner, you’re constantly juggling priorities—managing operations, serving customers, and keeping an eye on your bottom line. But in today’s fast-paced world, there’s one more critical task…

Read More: 5 Tips to Future-Planning

Building The Right Business Support Team

Starting your own business is exciting, but it can also feel overwhelming. From product development, marketing plans, and compliance to customer service and cash flow, you’ll quickly realize: you can’t…

Read More: Building The Right Business Support Team

The 5Cs of Credit

You’ve put in the work, built your business, gained momentum, and now you’re eyeing the next step. Whether that means expanding your space, investing in equipment, increasing inventory, or hiring…

Read More: The 5Cs of Credit

Why You Need an Exit Strategy

You’ve invested years of energy into building your business. You’ve nurtured it from concept to operation, growing it with care, skill, and vision. But while you’ve focused on marketing, operations,…

Read More: Why You Need an Exit Strategy

Financing Your Small Business

Starting or expanding a small business comes with many challenges—one of the biggest being how to fund it. Understanding the range of small business financing options available and choosing the…

Read More: Financing Your Small Business

Striving to Thriving

You’ve done the hard part—launched your business and moved beyond the startup phase. Operations are running smoothly, and now you’re asking: what’s next? This is the time to focus on…

Read More: Striving to Thriving

Tools to make it easier

Gross Margin Analysis

Enter your revenue and cost of goods sold to instantly calculate your gross margin percentage.

Explore Gross Margin Analysis

Business Registration Checklist

Starting a business can require several documents and steps. Use our Registration Checklist to get organized and prepared. 

Talk to a Business Specialist

Banking for better business

Easy, smart, and useful business accounts for all stages of your journey.

Business Checking

A flexible checking account with no monthly fee, tailored to your transaction volume and backed by full cash-management support to keep your business flowing.

Explore Business Checking

Commercial Lending

From SBA loans and lines of credit to commercial real estate and equipment financing, our local lenders structure solutions around your cash flow and goals.

Explore Commercial Lending

Business Savings

An interest-bearing savings account designed to help businesses plan for expected and unexpected expenses, offering withdrawal flexibility and no minimum balance.

Explore Business Savings

Business Credit Cards

Choose from low-rate, cash-back, or flexible-rewards business cards that include free employee cards, online expense tools, and zero fraud liability protection.

Explore Business Credit Cards
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Journey Well Stories

“Running a small business means wearing a lot of hats—and my bank makes it easier. When challenges came up, they stepped in fast, helped us through tough moments, and gave me real peace of mind. That kind of partnership has helped Port City Glass grow and thrive.”  
Michael LaPerriere
President, Port City Glass
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Journey Well Stories

“When I started Six26 Construction, Newburyport Bank helped me get off the ground and into a position to be self-sustaining. Now that we are taking on larger projects, having a local team that understands our industry and can move quickly makes all the difference. They’re part of our growth plan.”

Michelle Martin
Owner, Six26 Construction

Meet our business team

Our business team delivers personalized banking, lending and treasury solutions to help local companies thrive—partnering with you to navigate day-to-day needs and plan for future growth.

Meet our full team
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Stacey Palovich Senior Vice President, Business Banking & Professional Practices Director
Phone Number: 978-984-6339
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Cindy Lindley Assistant Vice President, Business Banking Officer
Phone Number: 603-418-8621

Frequently asked questions

Can’t find the answer you’re looking for? Reach out to our support team.

How can Newburyport Bank support small business growth in Massachusetts and New Hampshire?
Newburyport Bank serves businesses across the Greater Seacoast region of Massachusetts and New Hampshire with personalized banking, local lending decisions, and a dedicated business banking team. Whether you’re starting out, managing cash flow, or planning your next expansion, we can connect you to checking accounts, commercial loans, treasury management tools, and educational resources — all backed by bankers who know the local market. [Contact a small business banker] to start a conversation.
Can Newburyport Bank help my business navigate economic uncertainty?
Yes. Newburyport Bank offers the kinds of flexible, locally-decided financing tools that help businesses stay resilient when conditions shift — including business lines of credit for managing cash flow gaps, term loans for planned investments, and commercial real estate and equipment financing for longer-range needs. Our bankers work closely with business owners to understand their specific situation and recommend solutions tailored to their stage and industry, rather than applying a one-size-fits-all approach.
Does Newburyport Bank offer resources for new or growing businesses?
Absolutely. Our Business Hub is built specifically to support businesses at every stage of the journey. New entrepreneurs can access a Startup Cost Calculator, a Business Registration Checklist, and articles covering topics like how to register your business, how to estimate startup costs, and how to choose the right financing. Growing businesses can explore commercial lending options, treasury management services, and strategic guidance on cash flow, business valuation, and exit planning. All resources are available at no charge.
What makes Newburyport Bank different for local businesses?
As a community bank rooted in the Newburyport area since 1854, we make commercial lending decisions locally — which means faster responses, more flexible structures, and bankers who understand the regional economy firsthand. Unlike national banks, we’re not just a lender. We’re a long-term partner: our team continues to support your business well beyond loan closing, and we can connect you with trusted local professionals in legal, accounting, and financial planning. We also offer the full suite of business banking tools that larger institutions do — including merchant services, Positive Pay, remote deposit capture, and business credit cards.
What business banking accounts and services does Newburyport Bank offer?
Newburyport Bank offers a comprehensive range of business banking products, including Business Checking (three tiers based on transaction volume), Business Savings, Business Credit Cards, and Commercial Lending — covering real estate mortgages, equipment loans, SBA-backed financing, business lines of credit, and overdraft protection. We also offer treasury management services such as Positive Pay, remote deposit capture, wire transfers, and payroll direct deposit. Specialized banking is available for medical professionals, municipalities, and nonprofits as well. All accounts are fully insured by the FDIC and the Massachusetts Depositors Insurance Fund (DIF).