FDIC-Insured - Backed by the full faith and credit of the U.S. Government Your business is unique – with a particular way it operates and specific goals you want to achieve. Whether you are managing day-to-day expenses, planning ambitious growth, or looking to capture a strategic opportunity, our Commercial Loans and Lines of Credit provide the flexibility to drive success. Within each loan and line, you will have access to the financial expertise and local business knowledge that comes from Essex Bank being in your community for nearly two centuries.
Essex Bank Commercial Loans & Lines of Credit
Commercial Term Loans
Get structured repayment plans for large purchases, equipment financing, or long-term business investments.
Commercial Lines of Credit
Manage your cash flow with the assistance of flexible financing.
How Business Owners Use Commercial Loans & Lines of Credit
Many Essex Bank business customers rely on Commercial Loans and Lines of Credit to:
Smooth Cash Flow
Gain more stability during seasonal or cyclical shifts.
Purchase Equipment or Vehicles
Acquire assets to expand operations.
Finance Inventory
Meet your short-term working capital needs.
Cover Unexpected Expenses
Have funds ready without disrupting your operations.
Invest in Growth Opportunities
Be proactive about expansion, acquisitions, or new product lines.
Refinance Debt
Merge your higher-cost debt into more manageable payments.
Essex Bank Customer"The Bank really wants us to succeed. That means a lot to us."
Fred & George's Garage
Benefits of an Essex Bank Commercial Loan & Line of Credit
Working with Essex Bank means you get the features of a great loan – and you also get direct access to the people behind it. Unlike regional or national banks, our decisions are made locally, by professionals who know your market and your business community. That means:
Local Approvals
Turn to a Bank team who understands the local market and can make timely loan decisions.
Personalized Service
Enjoy our relationship-driven approach that is tailored to your business goals.
Product Features
Get a loan with flexible terms and competitive rates that help you build and grow with stability.
True Relationships
Work with a bank invested in the growth of your business and this local community.
Preparing to Apply for a Business Loan
Download this one-page checklist and get ready to apply for an Essex Bank commercial loan.
Have a Question? We Are Here To Help.
Start a conversation by visiting any branch location, giving us a call, or completing the contact form below. Regardless of which path you choose, a real human will provide the response.