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We know how important credit is in helping you achieve your business goals – whether you’re looking to manage cash flow more easily today or to make investments for tomorrow. At Middlesex Savings Bank, you’ll find an array of credit solutions to meet virtually all your business needs.

• Business Reserve Line of Credit – If you want to borrow up to $10,000 to protect your business against overdrafts or manage seasonal cash flow, we offer the Business Reserve Line of Credit.

• Business Line of Credit – If you have higher borrowing needs, between $10,000 - $250,000, and need a revolving line of credit to manage seasonal cash flow or purchase inventory, the Business Line of Credit is ideal.

• Business Line-to-Loan – With our new Business Line-to-loan you can make multiple equipment purchases from $10,000 - $250,000 any time in the first year via a convenient line of credit that becomes a single term loan when your purchases are completed. You repay variable interest-only monthly during year 1, then repay fixed principal and interest monthly after year 1 for 3 years.

• Business Term Loan – If you want to borrow a lump sum between $5,000 - $250,000 to expand your business or purchase equipment, our Business Term Loan is ideal.

• Business Mortgage – If you need to borrow up to $500,000 to purchase the property that your business operates from we offer our Business mortgage with a 20 Year Term and 20 Year Amortization Schedule.

• Alternative Financing Options – We also offer a variety of financing options for newer businesses or established ones experiencing operating difficulties, where conventional financing may not be an option. These include SBA, USDA, and other financing options.

With all of our credit solutions, you’ll enjoy an easy application process, a fast decision, and the ability to use your outstanding balances toward meeting the balance requirement on our personal Freedom Gold checking account.¹

Applying is easy.

Click here to open the application for a Business Loan or Line of Credit.  Please print, and fill out the application completely and return it to your nearest Middlesex Savings Bank's branch location.  Or call 1-877-INFO CTR (1-877-463-6287) to speak with a knowledgeable representative.

Please note that if the loan request is up to $50,000 you will not need to submit financial statements, however if your request exceeds $50,000, you will need to submit the most recent years of Business Tax Returns or Accountant-Prepared Financial Statements (two years if your request exceeds $100,000).

1. For individuals with 20% or more ownership, average monthly balances in all business deposit accounts, plus all outstanding business loan balances, will be included as part of their personal combined balances for Freedom Gold Checking.