Business Loans
Local decisions with fast approvals
Your Trusted Business Banking Partner
Since 1921, we’ve helped businesses across The Cape grow and thrive. As an SBA Lender, we provide personalized service with local decision-making that gets you funding quickly.
The Cape & Coast Advantage
- As an SBA Lender, we offer faster approvals and streamlined processing
- Local underwriting team makes decisions here—no waiting for distant approvals
- We understand seasonal businesses and the unique needs of our coastal communities
- Personal relationships with bankers who know your industry and care
Complete Business Lending Solutions
- SBA loans up to $5 million with terms up to 25 years for real estate & equipment
- Business lines of credit—pay interest only on funds you use
- Commercial mortgages and construction loans with competitive rates
- Equipment financing and term loans for business growth and expansion
Find the Right Financing Solution
We offer a complete range of business loan products designed to meet your unique needs. Compare our options to find the financing solution that’s perfect for your business goals.
SBA Loans
SBA 7(a) and 504 loans up to $5 million with competitive rates, extended terms, and low down payment options.
- Up to $5 million available
- Down payments as low as 10%
- Multiple use cases
- SBA Lender advantage
Business Lines of Credit
Access funds when you need them for inventory, payroll, or unexpected opportunities. Pay interest only on usage.
- Revolving credit access
- Interest only on funds used
- Quick approval process
- Local underwriting
Commercial Real Estate
Commercial mortgages and construction loans for purchasing, refinancing, or developing business properties.
- Competitive rates
- Local market expertise
- Owner-occupied properties
- Investment properties
- Construction-to-permanent
Business Term Loans
Term loans and equipment financing to help you expand operations, purchase machinery, or acquire business assets.
- Flexible repayment terms
- Equipment financing options
- Expansion and acquisition
- Working capital needs
Time Notes
Short-term financing for seasonal borrowing, acquisitions, special events, or temporary cash flow needs.
- Quick approval process
- Seasonal business support
- Inventory Acquisition funding
- Flexible terms
Cash Management Line of Credit
Automated sweep services that transfer funds between accounts to meet daily cash needs and reduce interest costs.
- One or two-way sweep options
- Automated daily transfers
- Reduces interest expense
- Cash management integration
- Real-time account monitoring
Why Businesses Choose Us
Ready to Get Started?
Our experienced business banking team is here to help you find the right financing solution. We’ll guide you through the process from application to closing.
Business Loan Questions & Answers
Get answers to the most common questions about business loans at Cape & Coast Bank. Learn about our lending process, requirements, and options.
What types of business loans do you offer?
We offer SBA 7(a) and 504 loans, business lines of credit, commercial mortgages, equipment financing, term loans, and time notes.
How quickly can I get approved?
We can often provide loan decisions with fast approvals for qualified applicants with complete applications.
What are your SBA loan limits?
SBA 7(a) loans up to $5 million, SBA 504 loans up to $5 million, and SBAExpress loans up to $500,000 with flexible terms available.
Do you work with seasonal businesses?
Absolutely. We understand the unique cash flow patterns of seasonal businesses and can structure payments to match your revenue cycles.
How do I get started with an application?
You can apply online, call us at 508–568–3400, or visit any of our convenient locations to speak with a business banking specialist.
Partner with Us for Business Success
Join the growing community of businesses that trust Cape & Coast Bank for their financing needs. Experience the difference that local expertise and personal service can make for your business.