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When you opt for a commercial property loan, you'll enjoy:

  • Competitive rates for purchase or refinance of commercial property
  • Available for owner-occupied or investment properties
  • Careful consideration taken when customizing financing
  • Refinance your current property to potentially lower your rate
  • Experienced Commercial Relationship Managers with working knowledge of the Massachusetts real estate market
  • Quick, local decision-making and processing
  • Hands-on, customized service throughout the entire process
  • And, tax breaks, variety of terms, and flexible repayment terms 

Types of Commercial Property Loans in Massachusetts

There are five primary types of commercial real estate loans you can use to achieve your goals, depending on your business's needs and qualifications. Compare commercial property loans in Massachusetts below:

SBA loans: Small Business Administration (SBA) offers real estate loan programs to expand, acquire or renovate a property. SBA 504 loans and SBA 7(a) loans are available to business owners that intend to occupy the property.

Conventional Mortgage loans: Secured by a mortgage on a commercial property. Mortgage loans usually have an amortization schedule and a repayment term of five years or more. They are not available for short-term financing needs.

Hard money loans: These loans are issued by individuals and private companies — not traditional lenders like banks. Hard money loans, also called bridge loans, are a form of short-term financing. They are typically used by real estate investors and have a term that lasts between three and 36 months.

Bridge loans: As short-term commercial real estate loans, bridge loans have repayment terms typically ranging from six months to three years.

Owner financing: Owner financing allows buyers — most of which are real estate investors — to pay a seller directly when purchasing a home. This arrangement can provide the buyer with less strict eligibility requirements.

Real Estate Loan Requirements

To get a commercial real estate loan in Massachusetts, lenders usually require that your business occupy at least 51% of the building you plan on purchasing or renovating.

You will have to decide on the type of loan you need — depending on the property and business — and focalize your lender options.

A lender will consider requirements pertaining to your personal finances, business finances, and property characteristics before granting a commercial property loan to your small business.

Why Choose Clinton Savings Bank for Your Real Estate Loan?

Clinton Savings Bank believes in honest, everyday banking that puts your needs first. Plus, we offer a full range of financial products and services, such as:

Business Cash Management Services

Commercial lending


Mobile banking

Personal and business credit cards

Deposit accounts

Access to the Allpoint ATM network surcharge-free

Certificates of deposit (CDs)


We are committed to making our customers' lives easier, no matter what age they are. As a commercial customer of CSB, you'll work with a professional, dedicated, and experienced Commercial Relationship Manager, who will provide effective answers and solutions to your needs — whether business, personal, or both.


Get a Commercial Real Estate Loan in Massachusetts

If you want to secure a commercial real estate loan, you can trust the team at CSB. Since 1851, Clinton Savings Bank has offered a wide range of services to Massachusetts residents, including checking accounts, savings accounts, and mortgage loans.


Reach out to one of our Commercial team for more information, or sign up for an account with Clinton Savings Bank today.


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