Commercial Loans

Needham Bank offers a wide range of lending options that scale to meet the needs and complexities of businesses of all sizes. From commercial real estate and construction lending to business loans and lines of credit, we want to be your business’s partner in lending. 

Commercial Real Estate

Commercial Real Estate loans are designed for stabilized investment properties of all sizes. And with Needham Bank, you also get a dedicated lender available to you at all times.

Learn More

Construction Loans

Long known as “The Builder’s Bank” among industry leaders, partner with us on your next project to leverage our experience, expertise, and flexibility.

Learn More

Talk to Us

With Needham Bank, you get much more than financing. You get an entire team of experienced professionals and a dedicated expert that is eager to work with you from the beginning to the end of your project, and then again on the next one.

Meet the Commercial Lending Team

Commercial Real Estate

Experience and reliability are crucial components to being a successful commercial real estate lender. Work with us to build a customized lending solution for your property financing needs and gain the added benefit of an experienced partner who is with you every step of the way.

Learn more.

Construction Loans

In many respects it could rightly be said of Needham Bank that “We Build Communities.” That is because, from our very inception over 125 years ago, we have been the region’s go-to construction lender of choice. We’re proud of our deep rooted heritage in construction lending and look forward to partnering with you on your next project.

Learn more.

Business Loans

From middle-market businesses and corporations to sole proprietors, we have the expertise and financing solutions to meet the needs of your business. And with Needham Bank, you’ll be paired with a lender who is focused on your long term success. After all, we like to build relationships, not simply process transactions.

Learn more.

Frequently Asked Questions

View All FAQs
Why is cash flow important?

As one of the 5 C’s of Credit, cash flow is one of the key factors examined and requested by commercial bankers.

What types of commercial loans do you offer?

Needham Bank offers a wide variety of commercial loans, including commercial real estate loans, builder to buyer loan programs, commercial and industrial loans, commercial term loans, working capital lines of credit, and letters of credit.

Who can I talk to about a commercial loan?

You can contact one of our Commercial Lenders by selecting Commercial Lending in the menu, and clicking the Meet the Commercial Team link. You can also schedule a call with a Commercial Lender by navigating to any Commercial Lending page and filling out the Schedule a Call form.

What is a construction to permanent loan?

A construction to permanent loan is a residential mortgage loan that combines the construction phase with a fully amortized mortgage so that you only have to attend one closing.

How is financing structured for construction loans?

Financing for construction loans is usually interest only for an 18 month period at a rate determined by market conditions.

Meet the Commercial Lending Team

Brian Annese Headshot
Brian Annese Vice President Commercial & Industrial Lending
Lawrence Pitman Headshot
Lawrence Pitman Senior Vice President Commercial & Industrial Lending Team Leader
Michael Semizoglou Headshot
Michael Semizoglou Senior Vice President Commercial & Industrial Lending
Lacey Teixeira Headshot
Lacey Teixeira Vice President Commercial & Industrial Lending