Commercial Business Loans
Cornerstone Can Help Fund Your Business
Cornerstone Bank can help take your business to the next level. Whether it’s commercial business loans for specific purposes or small business loans to get you up and running, you can trust the services and financing options from Cornerstone Bank.
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SBA Lending Solutions
As a preferred Small Business Administration (SBA) lender, we are able to provide financial solutions for your business borrowing needs. Cornerstone Bank was awarded preferred lender status by the SBA due to our active and expert participation in SBA lending. We’re committed to helping small businesses by originating and servicing commercial loans through the programs of the SBA.
We’ll make the commercial business loan application quick and simple by providing local decision making and timely responses regarding qualification to apply for an SBA guaranteed loan. Benefits of an SBA loan include the ability to secure long term financing (no balloon payments), flexible program requirements, longer amortization and accessibility to financing thanks to the SBA guaranty.

As part of our commercial business loans, Cornerstone Bank currently participates in these SBA programs:
- SBA 7(a): has flexible parameters to accommodate most requests. A 7(a) loan cannot have a revolving provision and the maximum loan size is generally up to $5 million.
- SBA Express: provides businesses and lenders a streamlined method to obtain SBA-backed financing for loans and lines of credit up to $500,000. Lenders use their own credit decision process and loan documentation.
- SBA 504: intended for fixed assets such as owner-occupied real estate purchases, construction, machinery and equipment purchases. This program enables the borrower to provide a low equity injection with a fixed-rate term.
SBA loans fund a variety of business needs including:
- Business acquisition
- Fixed asset purchases: computers, equipment, vehicles and machinery
- Business expansion and permanent working capital
- Start-up business expenses
- Refinance of existing debt

Small Business Loans
Finance your new or used equipment and vehicle purchases with a Small Business Loan*.
- Competitive rates
- Apply online in under 10 minutes
- Receive an instant decision and close the loan within 2 business days upon receipt of a complete application package
For more information on our Small Business Loans, and to see if your business qualifies, call us at 800-939-9103, visit your nearest branch, or fill out the information request form and a Bank Representative will be in touch.
*Business must be located in Massachusetts and meet certain qualifications. Exclusions apply. Talk to a Bank Representative for more details.
Lines of Credit and Term Loans
Obtaining capital can be difficult for many businesses, let Cornerstone Bank’s experienced Commercial Lending Team tailor a financing package to meet your needs. From working capital lines of credit to term loans, we can help you fund day to day operations and growth under terms that fit your business needs. Designed for:
- Working Capital
- Equipment Financing
- Acquisition Financing
