Here for your small business banking needs, and everything after.

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.

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.

Our Business Hub brings together free tools built for every stage of business ownership: a Startup Cost Calculator, a Gross Margin Analysis tool, a Business Registration Checklist, and articles on financing, credit, and exit planning. You don’t need to be a customer to use them. Just get started, and reach out anytime you’re ready to talk with a local business banker.

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.

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.

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).

If your business operates anywhere across the Greater Seacoast region of Massachusetts or New Hampshire, our local team is nearby and ready to help. We make lending decisions locally, meet business owners face-to-face, and pair every account with a dedicated business banker who knows the community. Find a branch near you or reach out to get started.

Start with the fundamentals: separate your business and personal finances, track your gross margin regularly, and build a cash reserve for slow seasons. Our Business Hub includes a free Gross Margin Analysis tool and articles on cash flow and time management, and our business bankers are available to walk through your specific situation whenever you’re ready.