Shane Elder
FIRST VICE PRESIDENT, BUSINESS BANKING TEAM LEAD COMMERCIAL LOAN OFFICER
Direct Dial: 413-277-2112
Cell: 508-440-1616
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
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.
AN 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
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.
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.
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.
EMAIL SHANE
Carla Alves
VICE PRESIDENT, BUSINESS BANKING LOAN OFFICER
calves@countrybank.com
Direct dial: 413-277-2110
Cell: 413-530-7608
Matt Williams
VICE PRESIDENT, BUSINESS BANKING LOAN OFFICER
mwilliams@countrybank.com
Direct Dial: 413-277-2134
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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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
Locations
Experience the difference of exceptional service when you stop by a local banking center.
BUSINESS BANKING SIMPLIFIED
MOBILE BANKING
Monitor Your Accounts
Review account balances and transactions for your business checking and business money market accounts.
Deposit Checks
Easily deposit your business’s checks from your smartphone 24/7.
Pay Bills
Manage your bills monthly or set recurring payments to stay on top of your business finances.