Commercial Lending

With responsive, local services, we can provide the convenient access to business financing which is critical to your success. 


Term Loans

Typically used to purchase assets such as equipment, vehicles, furniture and fixtures. Term Loans are also available for business expansion and debt consolidation purposes. Competitive fixed interest rates are available for terms up to 10 years.


Lines of Credit

With a business line of credit, funds are available when you need them, and you will pay no interest until you draw on the line. Whether you are purchasing new equipment, arranging for seasonal working capital, or planning for short-term financing needs, a business line of credit gives you the flexibility you need.


Letters of Credit

We offer a wide array of letters of credit to meet your financial needs, including documentary, stand-by and international letters of credit. Let us help facilitate these specialized business transactions.


Real Estate Loans

We offer a full range of commercial real estate services including permanent loans to purchase or refinance existing real estate. Our people have significant experience in construction lending, emphasizing residential projects including land subdivision, multi-family housing, as well as all types of commercial, industrial, and retail developments, and we offer very competitive interest rates with flexible payment options. 


M&A Loans

We offer a full range of options to finance the acquisition of a company or the assets of a company. These options include term loans and lines of credit. The Provident Bank works with search funds, small business owners and entrepreneurs who are actively seeking quality companies to purchase, as well as next generation acquisitions. 


SBA Loans

The U.S. Small Business Administration (SBA) provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing. The Provident Bank works closely with the SBA, when appropriate, to provide start-ups and small businesses with financing. The SBA 504 loan provides financing for major fixed assets such as equipment or real estate. The SBA 7(a) loan assists small businesses in securing financing through The Provident Bank. 


Commercial Export Programs

The Provident Bank can help small businesses obtain the financing to export their products and services overseas. Through its partnership with the Export-Import Bank of the United States, and the NH Export Expansion Fund through the Granite State District Export Council, businesses have the opportunity to sell their products and services outside of the United States. 



Discover the Difference.

For more information about how the people of The Provident Bank can help your business, contact your local branch manager. Chuck Withee can also be reached by phone at 978-834-8582 or by email at cwithee@theprovidentbank.com.