Commercial Loans

Build relationships you can bank on with commercial lending services you can trust. Let us lend our expertise to support your success.

Build your next project with the “Builder’s Bank” as your trusted partner for any commercial real estate loans you need.

Building your business doesn’t have to be complex. Let us help you personalize the best lending solutions for your situation.

Safeguard your operations and navigate business fluctuations confidently with Business Overdraft Protection.

As the area’s construction lender of choice, we’ll help with responsive and efficient service every step of the way.

Give your small business a boost without the financial stress. Discover competitive rates that work for your needs.

Navigating Types of Commercial Loans and Lending Requirements

Access our wide array of borrowing options to find the perfect match for your business. We’ll help you choose a solution that’s right for you:

Commercial Banking for Businesses of All Sizes

Build for the future with expertise from our Structured Finance, Middle Market, and Small Business teams:

Needham Bank is strong, profitable, well-capitalized and a safe haven for our depositors and borrowers.

Ready to secure funds for your commercial needs?

We’re not just your bank. We’re your neighbors, and we’re committed to serving you with the same steadfast community values we were founded on.

Let us take the time to get to know you so we can personalize a commercial lending plan as unique as your business to meet your needs.

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Frequently Asked Questions

A commercial loan is a financial tool used by businesses to fund its activities. With Needham Bank’s straightforward and transparent lending options, you’ll have the funding you need to support your success.

Commercial loans work by disbursing funds to a business upfront for immediate use. The business then repays the amount over time, including the full principal as well as any interest.

Getting a commercial loan can look different for every business. Reach out to our experts at Needham Bank — we’ll guide you through the process and help you build towards success.

Commercial loan rates may vary based on factors like loan type and terms. Please contact our commercial lending team for the most current and accurate rates.

Yes, the Equal Credit Opportunity Act (ECOA) applies to all forms of credit, including commercial loans.

Eligibility requirements for a commercial loan may vary. However, you can typically expect a review of information such as your business plan, the current state of your financials, your credit history, and any applicable collateral.

Commercial loans are used for business purposes, such as financing equipment, real estate, or operational expenses. This makes commercial loans different from other types of loans, such as a personal loan or auto loan.

An example of a commercial loan could be a business term loan that a medical practice takes out to upgrade its facilities.

While credit requirements can vary for a commercial loan, a good credit score can improve your chances of approval or qualifying for lower interest rates. Let’s discuss your situation and find the best solution for your needs — contact us today!