Business Loan (SBA Loan) - Country Bank- Made To Make A Difference

SBA LOAN

TAKE YOUR BUSINESS TO THE NEXT LEVEL WITH SBA LOANS

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Financing that makes a difference

Small Business Administration (SBA) LOAN

Country Bank is providing loans for hundreds of small businesses planning to launch and grow. We can lift up your business too, with an SBA Loan tailored to your unique needs and rates that fit your budget and business plan.

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SBA LOAN FEATURES

Competitive Rates

SBA loans feature competitive rates that are often lower than traditional business loans

Flexible Funds

SBA loans can be used to purchase equipment, buy real estate, refinance existing debt, expand operations, and increase working capital.

Longer Terms

With longer repayment periods, you’ll enjoy more time to pay back what you have borrowed.

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A SBA LOAN IS THE BOOST YOUR MASSACHUSETTS BUSINESS NEEDS

Help newly formed Businesses

Buy Commercial Real Estate

Refinance Existing Business Debt

Increase Working Capital

Finance Machinery

Expand Your Current Business

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WHAT IS AN SBA LOAN?

Achieve More With An SBA Loan

A SBA loan is guaranteed by the federal government (Small Business Administration) making it one of the most affordable loans available to business owners. Applying for a SBA loan through a trusted lender like Country Bank offers your business the chance to unlock its true potential with the financial support you need to support and grow your business. Whether you are looking to expand, buy equipment, or increase your working capital, an SBA loan can help make your business dreams come true.

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HERE’S HOW TO GET A SBA LOAN

Check Business Eligibility

Contact one of our business lending experts to determine if your business qualifies. 

Gather Your Documents

A Business Banking lender will determine what documents are needed.

Submit Your Application

Apply for your business loan with Country Bank and understand you are getting more than a loan. You will receive a banking partnership with the capacity to support your growth and anticipate your business challenges ahead whether those remain in Massachusetts or expand to Southern New Hampshire, Southern Maine, Rhode Island, or Connecticut. We’ve got your back.

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EXPERTISE MAKES ALL THE DIFFERENCE

MEET YOUR BUSINESS LOAN OFFICERS

Your growing business needs a bank that can do more than just keep up. You need a team that stays one step ahead and understands what’s at stake. Our team of experts understands what Massachusetts businesses are up against, and we are dedicated to creating unique solutions that fit your business.

Shane Elder

FIRST VICE PRESIDENT, BUSINESS BANKING TEAM LEAD COMMERCIAL LOAN OFFICER selder@countrybank.com Direct Dial: 413-277-2112 Cell: 508-440-1616

EMAIL SHANE

Carla Alves

VICE PRESIDENT, BUSINESS BANKING LOAN OFFICER calves@countrybank.com Direct dial: 413-277-2110 Cell: 413-530-7608

EMAIL CARLA
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Matt Williams

VICE PRESIDENT, BUSINESS BANKING LOAN OFFICER mwilliams@countrybank.com Direct Dial: 413-277-2134

EMAIL MATT

THE DIFFERENCE IS IN THE DETAILS

CASH MANAGEMENT SOLUTIONS FOR YOUR BUSINESS

We strive to make life easier for those who put their blood, sweat, and tears into building something that makes our communities better. Explore these cash management options to save you time and simplify your finances.

EMPOWER YOUR FUTURE

BUSINESS LOAN RESOURCES

As a business owner, it’s crucial to manage your finances wisely to ensure growth and stability. From budgeting effectively to investing in the right areas, every decision counts. Take advantage of these tools and tips to secure your business’s future.

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Documentation for SBA Loans

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FINDING YOUR SOLUTION

SBA LOAN FAQs

Are my business accounts insured?

Every deposit account at Country Bank is insured in full. In addition to Federal Deposit Insurance Corporation (FDIC) insurance, Country Bank offers Depositors Insurance Fund (DIF) protection.

  • The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
  • All deposits above the FDIC limits are insured in full by the DIF
  • The combination of FDIC and DIF insurance provides customers of Massachusetts-chartered savings banks with full deposit insurance on all of their deposit accounts
Can I set up electronic tax payments?

Yes, you can pay your taxes through Cash Management or by signing up with EFTPS.

What is check and ACH positive pay?

Check Positive Pay: Welcome to the most powerful tool available to combat check fraud. This service monitors each check presented and matches it to a list of known issued checks. If there is a question or discrepancy, we flag it and let you know.

ACH Positive Pay / Blocks and Filters:
This tool is made to help you fight fraud associated with electronic payments. It gives your business the ability to block all ACH debits and/or credits from posting to your company accounts to prevent ACH fraud—or to control the ACH debits that post to your account.

Contact us if you are interested in adding these services.

What is remote deposit capture?

Remote deposit capture allows you to scan checks and transmit scanned images to Country Bank for posting and clearing from the comfort of your office. Checks can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted internet connection to Country Bank for clearing and posting.

Are there cut off times for sending ACH & wires?

Yes, the cutoff time for each is 4:00 pm Monday through Friday (excluding Holidays.) This allows ample time for back office staff to approve and verify before end of day.

HOW CAN WE HELP YOU

CUSTOMER SERVICE

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Locations

Experience the difference of exceptional service when you stop by a local banking center.

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FAQs

Elevate your understanding with answers to our most common questions.

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Contact Us

Connect with your local banker by giving us a call or sending an email.

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BUSINESS BANKING SIMPLIFIED

MOBILE BANKING

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Monitor Your Accounts

Review account balances and transactions for your business checking and business money market accounts.

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Deposit Checks

Easily deposit your business’s checks from your smartphone 24/7.

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Pay Bills

Manage your bills monthly or set recurring payments to stay on top of your business finances.