Martha's Vineyard Bank

Business Lending

Whether you're purchasing, refinancing, expanding, or relocating, we'll tailor a wide range of competitive business loans that work for you and your situation. At Martha's Vineyard Savings Bank we keep it simple, make decisions locally, and we'll be here for you as your business and financial needs grow!


Effective business solutions simplify your business life. If you need capital to increase inventory, finance retail space, purchase equipment, or grow your business, Martha’s Vineyard Savings Bank offers a variety of business loans to help you find the solution that is right for you.

Lines of Credit
Our Lines of Credit can help you meet your short-term funding needs, such as seasonal cash flow issues or unexpected opportunities.

Business Term Loan
To purchase inventory, equipment, or to give you the working capital your business needs to grow, a Term Loan is a reliable option. You can choose from Term Loans and Small Business Administration (SBA) Loans.

More info about Business Term Loans and Lines of Credit

Commercial Mortgages
Get a first or second Commercial Mortgage Loan with competitive rates and a number of flexible options, such as low down payments and low monthly payments to help finance your business location, warehouse or manufacturing facilities, retail and wholesale space, or professional office. [More Information]

Business Construction Loan
Use our Construction Loan to renovate or remodel your existing commercial space or to build an office or warehouse facility. [More Information]

Letter of Credit
With a Letter of Credit, Martha’s Vineyard Savings Bank issues a guarantee of payment to help you make purchases or conduct business with suppliers requiring more than your good name to ensure payment.

Small Business Association (SBA) Loans
Martha's Vineyard Savings Bank can help you create or grow your business with SBA lending and other government-guaranteed loans. And because we make our decisions locally, your business will benefit from creative solutions and a fast turnaround.

  • Loans approved quickly
  • Small Business knowledge & experience
  • Terms up to 30 years
  • Minimal down payment, as low as 10%
  • Competitive fixed and variable rates
  • Loans may be assumable
  • Full line of personal and business banking products

Click on any of the links below to learn more about SBA loans.

SBA 7(a) Loan Program - Primary program for term loans
SBA CDC/504 Loan Program - Long term, fixed asset financing

Contact a Commercial Loan Officer at 1-508-696-9201, ext. 1291 or via e-mail at to request an application or to ask any questions you may have.


Member FDIC
Depositors Insurance Fund
Equal Housing Lender
Surcharge-Free ATMs
Touch to call a number below:
During normal business hours:
Outside of normal business hours:
During normal business hours:
Call 508-627-4266
Outside of normal business hours:
Call 800-472-3272
The Solutions Desk is available to answer phone calls from 7:30AM - 6:30PM Monday-Friday
and 8:00AM - 12:00PM on Saturdays:
508-627-4266  or  800-490-BANK (2265)
All loans and deposit accounts are subject to approval.
Rates subject to change - Martha's Vineyard Bank NMLS ID# 483244
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