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Newburyport Bank
Home/Business Banking/Small Business Lending

Small business loans to move you forward

A range of flexible financing options, from business credit cards and lines of credit, to term loans and real estate funding designed to support your business at every stage.

Talk to a MEMBER OF OUR TEAM
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Local support for your small business goals

With responsive decisions, flexible financing, and a team you can count on, we’re here to help your business thrive.

  • Local, timely decisions
  • Cash flow-friendly solutions
  • Dedicated small business bankers
  • Financing for operations and growth
  • A relationship that goes beyond closing
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Compare our small business lending options1

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

Real estate financing
Term & equipment loan
Business line of credit
SBA loans
Best for
Businesses purchasing or refinancing property
Businesses investing in growth
Businesses with fluctuating cash flow
Businesses needing flexible financing, longer terms, lower equity
How it’s used
Buy, refinance, or renovate property owned by a business
Purchase equipment, furniture, or other capital assets
Access funds as needed for working capital, inventory, or receivables
Working capital, expansion, inventory, refinancing business debt
Key benefit
Long-term financing tied to real assets
Predictable payments for planned investments
Flexible access to capital when timing matters
Government-backed support enables longer terms, lower down payments
1Loan rates and terms may vary. Not a commitment to lend. Terms subject to change without notice. All loans subject to credit approval.

Manage everything online

Keep business moving from anywhere.

  • View real-time account balances and activity
  • Move money with fast, secure transfers
  • Deposit checks remotely with remote deposit capture
  • Pay employees directly with payroll deposit
  • Chat with a live representative
  • Protect accounts with Positive Pay fraud detection
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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
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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

Small business FAQs

What types of small business loans does Newburyport Bank offer?
We offer a range of lending solutions, including real estate financing, term and equipment loans, business lines of credit and SBA guarantees.
How do I know which small business loan is right for my business?
The right solution depends on your goals, cash flow, and timeline. Our small business lenders take the time to understand your business and recommend financing options that align with how you operate and grow.
Are small business lending decisions made locally?
Yes. Our business lending decisions are made locally, allowing for responsive communication and financing structures that reflect the realities of the regional business market.
Can small business loans be customized to my business needs?
Small business loans terms are tailored to meet your business needs whenever possible.
How do I get started with a small business loan?
You can begin by speaking with one of our small business 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 business lending as a long-term partnership and remain a resource for your business beyond closing.

Backing the work that matters most

Connect with our business lending team to explore banking and financing solutions

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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
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Christina St. Onge Vice President, Business Banking Officer
Phone Number: 978.225.8983