Loans & lines of credit

Ready access to cash and flexible loan terms promote business longevity throughout times of growth or change, while preparing your business for its future. Our variety of loan and credit options provide working capital and improve cash flow to keep your business moving along its journey.

Lines of credit

Opening a business line of credit is the perfect way for your business to gain access to short-term funding, addressing business expenses that come to light. Supporting financing for operational expenses and cash flow management, our customized lines of credit are designed to meet your needs and goals with uniquely structured terms.

Inquire about a line of credit

Term loans

Business term loans can be used to finance one-time investments, giving you the cash to grow your business. Whether your business needs to purchase new equipment, renovate your office, or expand your operations, our customizable term loans can be structured with differing amortization periods to improve cash flow while providing a flexible, stable way to take the next step forward.

Funding solutions designed for small business:

- Grow, start, and expand your business through available SBA program lending at Westfield Bank. Our specialized loans, 7(a) and 504, feature competitive rates for long terms to qualified businesses, providing necessary funds for commercial real estate, business acquisition, and equipment.

Let's talk term loans

Commercial real estate loans

Expansions, purchases, and renovations to your business’s commercial real estate can provide the right space to succeed. We’re your partner throughout this journey by preserving your cash flow with a commercial real estate loan that provides flexible options at competitive rates.

Your loan begins here

Acquisition financing

Acquisition financing empowers your business with required capital as you take on a journey of growth and achieve new milestones. Working with you throughout your business’s acquisition, merger, or perpetuation, our team of dedicated bankers is here to keep you moving forward.

Financing solutions to sustain your success:

- Finance your next acquisition with an Employee Stock Ownership Plan (ESOP) loan. ESOP loans finance the purchase of a company by borrowing money to buy new or existing shares, creating greater liquidity for you and providing ownership interest for your employees.

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Credit cards

Whether you’re building a credit profile to improve future borrowing terms or making day-to-day business purchases, Westfield Bank’s business credit cards offer your company a trusted financial backing at attractive Annual Percentage Rates (APRs) and benefits, like travel assistance services and redeemable reward points.

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