Commercial Lending


Link to access secure document upload area



We have several payment options to assist those of you who are experiencing financial hardship, including the option to defer commercial OR residential loan payments for up to 90 days, or more if necessary. Any deferred payments would be expected to be repaid in full at some point in the future.  If you would like to discuss these options, please contact your personal commercial loan officer (see below for contact information) or call AVP Lisa Kriz at 978-255-1306 or via email.

We are here to help.

More information HERE.


We are an approved lending institution through the SBA and are participating in the Paycheck Protection Program (PPP) for the benefit of our customers who have their business operating account with us.
If you decide to apply, we urge you to do so as quickly as possible since this is first-come first served until Federal funds are exhausted. 
The following information MUST be received before we can process your application.  Incomplete applications will NOT be processed.
  1. Completed Application here  (please pay special attention to Question #7 and initial questions #5 and 6)
  2. Calculation and back-up documents as to how you arrived at 'average monthly payroll'
  3. 2019 annual 940 or 941ís for all four quarters of 2019
  4. Payroll records to verify individual salaries over $100,000 and employees of record 
  5. 2019 Federal Income Tax Return for Partnerships and Sole Proprietors / Independent Contractors only
As noted above incomplete applications will not be processed.
Please use our secure email system to send all information:  
  • To send documents securely, go to our website (
  • Click on the Loans tab and then Commercial tab
  • Click on the brown box that says, 'Secure Document Upload'
  • Include your email address in the 'From' box and choose 'PPP Applications' as the Recipient
  • Attach the required documents as files 1, 2, 3, etc. 
  • Click 'Send This File' to upload. The documents will automatically be encrypted and no password is required.
  • You will receive a generic email confirming your information has been successfully sent. 
Once we have submitted your application to the SBA for processing we will contact you with further information.
For more information, email or call 978-225-1358.


We have smart lenders, competitive rates, local roots...
and commercial money to lend.

Looking to finance commercial real estate or a local business venture?  We have money to lend. Whether you are looking for $4 Million or $40 million, we can make the deal; our commercial lenders know the market, are responsive and experienced, and are dedicated to the growth and success of your business.

One of the things that sets us apart from other banks is that all of our credit decisions are made quickly and locally, by people who know our communities and our markets. For nearly two centuries, we've been serving the borrowing needs of businesses and individuals in our markets. We're stable and secure, with a long established reputation for excellence. And we are here to stay. Call and ask us about one of the following:

For more information and/or to inquire about other Business Banking services, please click here or call us at 978-462-3106.

*We also may lend outside of the primary and secondary lending areas if there are other circumstances that warrant exception, such as a borrower with a previous or substantial account relationship with the Bank.

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