Small Business Loans

Build your dreams with small business lending you can trust. From small business loans and lines of credit, to SBA loans, cash management solutions, and more, let us lend our expertise to support your success.

Benefits & Features

Small Business Term Loan

This loan can be used for general working capital and purchasing equipment, including new and used vehicles, to help your business grow and thrive.

Small Business Administration (SBA) Loans

Get the support you need to start or grow your small business. In addition to traditional small business loans, we offer government-guaranteed SBA loan programs, including:

  • 7(a) Loans
  • 504 Loans
  • SBA Express Loans
  • SBA Export Express Loans
  • Massachusetts Capital Access Program (CAP)

Other Business Banking Services

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

Frequently Asked Questions

A small business loan is a funding tool designed to help small businesses cover operational costs, or invest in growth. They work by providing funds to your business upfront. You can then repay the loan over time, with interest.

Small business loans can be either secured or unsecured, depending on the specific terms of the loan. Get in touch with our Needham Bank team to discuss your options.

Small business loans can have either fixed or variable rates. Fixed interest rates stay the same, while variable rates can change over time. Talk to our business banking team so we can help you choose the best option for your needs.

Small business loan interest rates may vary based on factors like loan type and terms. Please contact your experts at Needham Bank for the most current and accurate rates.

Timing varies, but Needham Bank has gained a sterling reputation for being a prompt and responsive banking partner. Our Credit Committee meets at least twice each week and our Security Committee meets daily. This means that our customers get their loans approved, closed, and disbursed faster. We know speed matters to small businesses and strive to make the process as quick as possible.

Serving Our Clients

Brothers Danny and Dinesh Wadhwani immigrated from Ghana in 2005 and founded ThinkLite USA in 2009 on the campuses of Babson College and Olin College of Engineering. The company specializes in designing, developing and distributing technology-based life science solutions and has grown to operate in 14 countries, with a strong presence in North America, South America, Europe and Asia.

Featured Resources

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Needham Bank provides resources to help you grow your small business. These simple steps can set you up for success when it comes to business expansion....

Commitment to Community

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. When you’re ready, let’s build something together.

We look forward to hearing from you.

Our experienced loan officers will take the time to get to know you and your business in order to recommend the right strategies and solutions.