Whether you need short-term financing to assist with seasonal cash flow needs, or longer-term financing to purchase or refinance fixed assets, Bay State Savings Bank can help. These loans are approved for specific amounts and terms, based upon the purpose of the loan, and repaid in regular installments.

Bay State Savings Bank offers a choice of flexible financing options to meet the needs of growing businesses. These lines of credit feature a variable of interest applied to your monthly outstanding balance, so that you only pay interest on the amount of credit you actually use.

From small additions to large scale developments, we have the experience and flexibility you need to help finance your projects. This is a Test.

Whether the property is owner occupied or investor owned, we can work with you to create a financing structure which suits your business needs.

Whether you need equipment to start your own business or expand your existing one, we’ll make sure you get the best deal around on financing.

When you develop a relationship with Bay State Savings Bank, we know you may need our services too. That’s why we offer Letters of Credit – on behalf of the Bank for guaranteed payment to a third party.