FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Newburyport Bank
Home/Business Banking/Commercial Lending

Commercial lending built for business growth

From real estate or equipment loans to flexible business lines of credit, our commercial lending solutions are shaped by our local knowledge of Seacoast community businesses and their needs. Each is designed to support how your business grows today and tomorrow.

Talk to a Commercial Lender
Man sitting at a desk in a warehouse, smiling while talking on the phone, with an open laptop in front of him and shelves of rolled materials in the background.

Grow smarter with a local banking partner

Our local insight, flexible structures, and dedicated guidance is all designed to support your business well beyond closing.

  • Local, responsive lending decisions
  • Financing structured around cash flow
  • Dedicated commercial lenders
  • Solutions for growth and working capital
  • Ongoing partnership beyond closing
Two smiling people in business attire look at a laptop together by large windows in a modern office setting.

Compare our commercial lending options1

Your business has unique financing needs. Compare each of our commercial loan options so you can start the conversation with confidence.

Commercial real estate mortgage
Construction financing
Term & equipment loan
Business line of credit
Municipal Loans
Best for
Businesses purchasing or refinancing property
Building a new commercial, industrial or residential property
Businesses investing in growth
Businesses with fluctuating cash flow
Cities, towns, and public entities
How it’s used
Buy or refinance commercial, industrial, or residential investment property
Construct commercial, industrial, or residential investment property
Purchase equipment, furniture, or other capital assets
Access funds as needed for working capital, inventory, or receivables
Tax anticipation notes, bond anticipation notes, bonds, and purchase financing
Key benefit
Long-term financing tied to real assets
Hands-on support through the build process
Predictable payments for planned investments
Flexible access to capital when timing matters
Financing tailored to public-sector needs
1Loan rates and terms may vary. Not a commitment to lend. Terms subject to change without notice. All loans subject to credit approval.

Meet our commercial lenders

Our commercial lending team knows the Seacoast region because they work here and serve businesses like yours. That market insight and community connection allow us to provide thoughtful guidance and financing solutions that support your business with confidence.

Smiling woman with short blonde hair wearing a dark blazer and white blouse, standing against a plain light gray background.
Mary Beth Parker Executive Vice President, Senior Lending Officer
Phone Number: 978.225.8510
A man with glasses, wearing a dark suit jacket and white shirt, smiles at the camera against a plain light gray background.
John Garozzo Senior Vice President, Commercial Lending Team Leader
Phone Number: 978.225.8708
A smiling man with short red hair and a beard wears a navy suit jacket over a white shirt, standing against a plain light gray background.
Elliot Smith Senior Vice President, Commercial Lending Team Leader
Phone Number: 603.785.0424
A woman with short brown hair, wearing a purple blazer, a necklace, and earrings, smiling in front of a plain beige background.
Alyson Graybill Senior Vice President, Commercial Loan Officer
Phone Number: 603.294.0707
Smiling older man with short gray hair, wearing a dark suit jacket and white dress shirt, standing against a plain light gray background.
Mitchell Marcus Senior Vice President, Commercial Loan Officer
Phone Number: 978.225.8968
A woman with long brown hair wearing a gray blazer and white shirt smiles while standing indoors in a brightly lit modern space.
Beth Tuttle Senior Vice President, Commercial Loan Officer
Phone Number: 603.294.0724
A woman with long, light brown hair in a black blazer and white blouse smiles at the camera against a neutral gray background.
Amanda Kelcourse Vice President, Commercial Loan Officer
Phone Number: 978.225.8951
A smiling man with short hair and glasses wears a dark blazer over a white shirt, posing in front of a plain, light-colored background.
Brandon Belanger Vice President, Commercial Lending Officer
Phone Number: 978.225.8074
A man in a navy polo and cap stands in front of a blue Port City Glass van with an anchor logo and website text.

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
A woman in a light blue striped dress stands smiling on a sandy beach path with tall grasses, holding a straw bag and wearing a brown shoulder bag.

Journey Well Stories

“When I walk into the branch, they ask about my family, my business, and what I’m working on next. They understand entrepreneurs and truly look out for me. As my business grows, I know Newburyport Bank will be there to support the next stage.”

Alyson Iarrusso
Founder & Designer, Cove Fine Jewelry
A woman with long brown hair, wearing a white sweater, smiles in front of green leafy bushes and white lilac flowers.

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

Commercial lending FAQs

What types of commercial loans does Newburyport Bank offer?
We offer a range of commercial lending solutions, including commercial real estate mortgages, commercial construction loans, business lines of credit, equipment and term loans, and municipal loans.
How do I know which commercial loan is right for my business?
The right solution depends on your goals, cash flow, and timeline. Our commercial lenders take the time to understand your business and recommend financing options that align with how you operate and grow.
Are commercial lending decisions made locally?
Yes. Our commercial lending decisions are made locally, allowing for responsive communication and financing structures that reflect the realities of the regional business market.
Can commercial loans be customized to my business needs?
Absolutely. Loan terms, structures, and repayment options are tailored to support your cash flow, industry, and long-term objectives whenever possible.
Do you work with small businesses as well as larger commercial clients?
Yes. We support businesses at every stage—from small businesses and startups to established commercial and municipal organizations.
How do I get started with a commercial loan?
You can begin the process by connecting with one of our commercial lenders. We’ll discuss your goals, review options, and guide you through the next steps.
Is support available after the loan closes?
Yes. We view commercial lending as a long-term partnership and remain a resource for your business beyond closing.