Commercial Loans > Northway Bank

When your business needs financing for any purpose, count on Northway Bank, your local community bank.

The commercial lenders at Northway Bank will listen carefully to understand your needs, and recommend the most appropriate financing solution.

Working Capital Lines of Credit

Cover gaps in your cash flow with revolving or seasonal credit lines.
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Equipment Financing & Term Loans

Financing options for the equipment, machinery, and vehicles your business needs.
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Business Acquisition Financing

Custom financing solutions when you want to buy a business or refinance debt.
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Commercial Real Estate Loans

If you're ready to buy, build, expand, or refinance, Northway Bank is ready to loan.
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Letter of Credit

Northway Bank can arrange for a letter of credit to guarantee your ability to pay.
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SBA Loans

Get especially favorable rates and terms. Northway Bank is a preferred SBA lender.
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Business Credit Cards

A Northway Bank business credit card offers easy access to credit to help you manage your cash flow.

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Contact a Commercial Banker

Have a question? Need more information?

Contact a Commercial Banker

Working Capital Lines of Credit

Northway Bank provides various strategies to cover gaps in your company's cash flow. After evaluating your situation, we will recommend the most convenient, economical way to get the funds you need to meet payroll or pay invoices until the necessary cash arrives.

Contact a Commercial Banker

Working Capital Lines of Credit Features

Seasonal line of credit
Short-term credit line used to fund seasonal inventory expected to turn over within 12 months.

Revolving line of credit
Annually renewable credit line used to fund investment in receivables and inventory over longer operating cycles.

Equipment Financing and Term Loans

If your business needs to maintain an investment in fixed assets, Northway Bank's term loans and revolving financing solutions can help you buy or refurbish the machinery and equipment necessary to strengthen your competitive position.

Contact a Commercial Banker

Equipment Financing and Term Loans Features

Term loans
Fully funded loans used over a fixed period of time depending on the depreciable life of the fixed asset being purchased (machinery and equipment). Repaid monthly.

Equipment revolvers
A pre-approved line of credit used to provide multiple future advances to purchase equipment, machinery, or vehicles. Advances are based on pre-approved terms over a fixed period of time. As loans are repaid, availability under the line is replenished for future advances.

Business Acquisition Financing

Northway Bank provides custom financing solutions, helping investors acquire businesses and aiding business owners seeking to refinance existing obligations. If you're buying a business, acquisition financing can be used to purchase machinery, equipment, inventory, and real estate. If you want to refinance debt, financing can be structured to improve your balance sheet and enable your business to adjust its capital structure.

Contact a Commercial Banker

Commercial Real Estate Loans

Northway Bank offers affordable long-term mortgages for commercial, industrial, retail, or income property. Construction financing is available, too. If you're ready to buy, build, expand, or refinance, Northway Bank is ready to help.

Contact a Commercial Banker

Letters of Credit

Is your business required to guarantee payment for contracts, materials, or inventory? This is most likely to happen if the seller is unfamiliar with your track record. In such a case, Northway Bank can arrange for a letter of credit to help the transaction proceed smoothly.

Contact a Commercial Banker

SBA Lending

Northway Bank is a preferred SBA lender, with years of experience helping local businesses access lending programs available through the U.S. Small Business Administration. You can use a government-backed SBA loan for nearly any business need. They offer low interest rates, and longer repayment terms than often found with other loans. SBA loans are especially attractive to newer and under-capitalized businesses that might not be eligible for traditional financing. Because Northway Bank is a preferred SBA lender, you benefit from a streamlined application process.

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SBA Loans Features

Favorable and flexible terms for eligible borrowers
Benefit from a streamlined application process
Experienced professionals will guide you through each step

Business Credit Cards

A Northway Bank business credit card offers easy access to credit to help you manage your cash flow. You'll get a competitive rate, great benefits, and an extra measure of financial flexibility.

Competitive rates
EMV smart chip technology for added security
Mobile purchasing capability for added convenience

Apply Online

Click here to access your credit card online

Contact your Commercial Banker

Have a question? Need more information? Contact a Commercial Banker below. For easy access, click on their vCard to download their contact information to your computer or device.