Commercial Lending Solutions

Everything your business expects—cash management, lending, and expertise—delivered with a team that stays with you from application to closing and beyond.

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Flexible Commercial Lending Solutions Backed by Local Experts

Our commercial lending solutions are designed to support businesses at every stage—from first expansion to long‑term growth. With free consultations and a dedicated local relationship manager, we’ll help you cut through the complexity and find the right financing—backed by a team that’s with you from application through closing and beyond.

Ready to expand, merge, or take your business to the next level?

Every business is unique—and some financing needs don’t fit neatly into a standard product category. That’s where our relationship‑based approach makes a difference. In addition to our core commercial lending products, St. Mary’s Bank works with New Hampshire businesses on more specialized financing needs through personalized consultations and local decision‑making.

If your plans include any of the following, our business banking team is here to talk through your options:

Schedule Appointment Contact Commercial Lending Team
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Business Acquisition Financing

Support for purchasing an existing business, partner buyouts, or expansion through acquisition—structured around your goals, timeline, and cash flow.
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Succession & Ownership Transition Financing

Thoughtfully designed financing solutions to help business owners transition ownership, whether planning for retirement, family succession, or internal leadership changes.
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Investment Property Financing

Financing options for income‑producing commercial properties, evaluated with a local understanding of market conditions and long‑term strategy.
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Subdivision & Development Financing

Custom financing for subdivision and development projects, guided by local lenders who understand project timelines, regulatory considerations, and market conditions.
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Visa® Business Platinum Rewards

Power your business with a credit card that simplifies spending while earning rewards on every purchase.

  • Earn 1.5 points per dollar on every transaction
  • Redeem unlimited rewards for cash, travel, gift cards, and more
  • Turn everyday business expenses into growth opportunities

Learn More Open Online
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3.00%* APY Business Money Market Promo

On daily balances of $250,000+.

  • $2,500–$24,999 earn 0.75% APY 
  • $25,000–$49,999 earn 1.25% APY 
  • $50,000–$74,999 earn 1.75% APY 
  • $75,000–$149,999 earn 2.25% APY
  • $150,000–$249,999 earn 2.75% APY
  • $250,000 and over earn 3.00% APY

Enjoy three free debits per statement cycle & Free ATM and online access

Schedule Appointment View Rates

Meet the Commercial Banking Team

Not sure where to start? You can call the Commercial Banking Team at (603) 629-1517.

 

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Elliott Hale, Business Development Officer

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Important Information Regarding a FinCEN Ruling that May Affect Your Business

*Annual Percentage Yield (APY) accurate as of 7/1/25. Rates and terms subject to change without notice and after the account is opened. The APY in effect at account opening is determined by your opening balance. Minimum daily balance of $2,500 required to earn interest. Not available for funds currently on deposit with St. Mary’s Bank. Must have a St. Mary’s Bank Business checking account to qualify. Limit one promotional rate money market per member. Monthly service fee of $10 waived when minimum daily balance remains above $2,500. Fees may reduce earnings.