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Commercial Loans


When your business needs financing for any purpose, count on Northway Bank, your local community bank.

The commercial lenders at Northway Bank will listen carefully to understand your needs, and recommend the most appropriate financing solution.
Working Capital Lines of Credit
Cover gaps in your cash flow with revolving or seasonal credit lines.
Go to Working Capital Lines of Credit
Equipment Financing & Term Loans
Financing options for the equipment, machinery, and vehicles your business needs.
Go to Equipment Financing & Term Loans
Business Acquisition Financing
Custom financing solutions when you want to buy a business or refinance debt.
Go to Business Acquisition Financing
Commercial Real Estate Loans
If you're ready to buy, build, expand, or refinance, Northway Bank is ready to loan.
Go to Commercial Real Estate Loans
Letters of Credit
Northway Bank can arrange for a letter of credit to guarantee your ability to pay.
Go to Letters of Credit
SBA Loans
Get especially favorable rates and terms. Northway Bank is a preferred SBA lender.
Go to SBA Loans
Business Credit Cards
A Northway Bank business credit card offers easy access to credit to help you manage your cash flow. 
Contact a Commercial Banker
Have a question? Need more information?


Working Capital Lines of Credit

Northway Bank provides various strategies to cover gaps in your company's cash flow. After evaluating your situation, we will recommend the most convenient, economical way to get the funds you need to meet payroll or pay invoices until the necessary cash arrives.


Seasonal line of credit
Short-term credit line used to fund seasonal inventory expected to turn over within 12 months.

Revolving line of credit
Annually renewable credit line used to fund investment in receivables and inventory over longer operating cycles.





























Equipment Financing and Term Loans

If your business needs to maintain an investment in fixed assets, Northway Bank's term loans and revolving financing solutions can help you buy or refurbish the machinery and equipment necessary to strengthen your competitive position.


Term loans
Fully funded loans used over a fixed period of time depending on the depreciable life of the fixed asset being purchased (machinery and equipment). Repaid monthly.

Equipment revolvers
A pre-approved line of credit used to provide multiple future advances to purchase equipment, machinery, or vehicles. Advances are based on pre-approved terms over a fixed period of time. As loans are repaid, availability under the line is replenished for future advances.





























Business Acquisition Financing

Northway Bank provides custom financing solutions, helping investors acquire businesses and aiding business owners seeking to refinance existing obligations. If you're buying a business, acquisition financing can be used to purchase machinery, equipment, inventory, and real estate. If you want to refinance debt, financing can be structured to improve your balance sheet and enable your business to adjust its capital structure.
































Commercial Real Estate Loans

Northway Bank offers affordable long-term mortgages for commercial, industrial, retail, or income property. Construction financing is available, too. If you're ready to buy, build, expand, or refinance, Northway Bank is ready to help.

































Letters of Credit

Is your business required to guarantee payment for contracts, materials, or inventory? This is most likely to happen if the seller is unfamiliar with your track record. In such a case, Northway Bank can arrange for a letter of credit to help the transaction proceed smoothly.

































SBA Loans

Northway Bank is a preferred SBA lender, with years of experience helping local businesses access lending programs available through the U.S. Small Business Administration. You can use a government-backed SBA loan for nearly any business need. They offer low interest rates, and longer repayment terms than often found with other loans. SBA loans are especially attractive to newer and under-capitalized businesses that might not be eligible for traditional financing. Because Northway Bank is a preferred SBA lender, you benefit from a streamlined application process.


  • Favorable and flexible terms for eligible borrowers
  • Benefit from a streamlined application process
  • Experienced professionals will guide you through each step





























Business Credit Cards

A Northway Bank business credit card offers easy access to credit to help you manage your cash flow. You'll get a competitive rate, great benefits, and an extra measure of financial flexibility.
  • Competitive rates
  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience


































Contact a Commercial Banker

Bedford Loan Production Office

Photo of Frank Teas, SVP Chief Commercial Banking Officer

Frank Teas
SVP Chief Commercial Banking Officer
10 Commerce Park North, Suite 13B
Bedford, NH 03110
Phone: 603-342-1089
Email: fteas@northwaybank.com

Photo of Aaron Gill, VP Commercial Relationship Manager

Aaron Gill
VP Commercial Relationship Manager
10 Commerce Park North, Suite 13B
Bedford, NH 03110
Phone: 603-326-1034

Picture of Mary Mattson, Senior Vice President, Senior Market Manager

Mary Mattson
SVP Senior Market Manager
10 Commerce Park North, Suite 13B
Bedford, NH 03110
Phone: 603-342-1492

Photo of Shilpi Mehrotra

Shilpi Mehrotra
VP Commercial Relationship Manager
10 Commerce Park North, Suite 13B
Bedford, NH 03110
Phone: 603-326-7347
Email: smehrotra@northwaybank.com

Concord Branch

Photo of John Udaloy, SVP Senior Market Manager

John Udaloy
SVP Senior Market Manager
66 N Main Street
Concord, NH 03301
Phone: 603-326-1021

Laconia Branch

Picture of Barry Leonard, Senior Vice President, Senior Commercial Banking Officer

Barry Leonard
SVP Senior Commercial Banking Officer
400 S. Main Street
Laconia, NH 03246
Phone: 603-342-1061
Email: bleonard@northwaybank.com

North Conway – Intervale Branch

Photo of Marc Poyant

Marc Poyant
SVP Senior Market Manager
3424 White Mountain Highway
North Conway, NH 03860
Phone: 603-326-1038
Email: mpoyant@northwaybank.com

Photo of Tom Caruso

Thomas Caruso
SVP Senior Market Manager
3424 White Mountain Highway
North Conway, NH 03860
Phone: 603-326-1015
Email: tcaruso@northwaybank.com

Portsmouth Loan Production Office

Photo of Cynthia Byrne

Cynthia Byrne
SVP Senior Market Manager
210 Commerce Way, Suite 110
Portsmouth, NH 03801
Phone: 603-326-7362
Email: cbyrne@northwaybank.com

Photo of Fran Mueller

Frances Mueller
SVP Senior Market Manager
210 Commerce Way, Suite 110
Portsmouth, NH 03801
Phone: 603-342-1010
Email: fmueller@northwaybank.com

Picture of Jonathan Shapleigh, Senior Vice President, Market Manager

Jonathan Shapleigh
SVP Market Manager
210 Commerce Way, Suite 110
Portsmouth, NH 03801
Phone: 603-342-1450
Email: jshapleigh@northwaybank.com