U.S. Small Business Administration-Backed Loans



Less money towards interest means more money for growth.

Small businesses are at the heart of local communities and drive local economies. That’s why Northern Bank is proud to offer small business loans backed by the U.S. Small Business Administration (SBA). They help to ensure that small businesses can compete and succeed by offering low interest rates to individuals with credit who want to start, purchase or grow a small business. That means more of your money can go towards your business goals! The advantages of an SBA loan don’t end there. SBA small business loans offer a host of other features that make them more affordable and easier to repay.





Longer repayment terms, like up to 25 years for commercial real estate, up to 10 years for a business acquisition or start-up, and up to 15 years on equipment

No balloon payments     

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Easier loan qualification, with less equity required

No prepayment costs for loan terms less than 15 years

Down payments as low as 10%


Advantages of SBA Financing over Conventional Financing*:  

•  Purchase commercial real estate

•  Purchase equipment

•  Fund construction or a renovation

Start a business, purchase a business/franchise, expand, or buy out a partner

Purchase equipment or inventory

Get working capital

Refinance conventional debt

Finally, a bank as entrepreneurial as you are.

Since 1960, we’ve been the banking partner of choice for businesses and consumers throughout New England. We take an entrepreneurial, commonsense approach to providing a complete line of banking and investment solutions. We are deeply invested in the communities we serve and passionately committed to helping you grow. Thanks to the unwavering dedication of our team and the loyalty of our customers, we have been named the No.1 community bank in New England for seven straight years and No.1 in the United States in 2015. As a privately held, family-run, full-service bank, we move faster than our competitors, make decisions for the long-term and focus on helping your business succeed.



Justin Thomas, 
Northern Bank Loan Officer

Please do not send personal or private information (e.g., social security or account numbers)

CALL 781.404.1935
EMAIL jthomas@nbtc.com
OR SUBMIT YOUR INFORMATION ABOVE





*All loans are subject to credit approval. © 2017 Northern Bank & Trust Company. All rights reserved 
**For more details visit www.sba.gov/veterans.

SBA Veterans Advantage

Northern Bank is proud to offer SBA-backed loan programs that make it easier for veterans to qualify for and repay business loans.

Work with a loan officer who is a veteran, too.

Justin Thomas served for more than seven years in the U.S. Army Reserve and is currently a Staff Officer in the Massachusetts National Guard. He is ready to answer any questions you may have and to assist you through the loan process, from application to decision. Justin is authorized to assist SBA loan candidates in any U.S. state or territory.

For honorably discharged veterans, active national guard/reservists, active duty personnel eligible for transition assistance, current military spouses and widows/widowers of those killed in service.**

SBA Veterans Advantage