Commercial Mortgages, Term Loans and Lines of Credit

Our team of experienced bankers can design a flexible financing package to meet your business borrowing needs now and in the future with competitive lines of credit and commercial term loans. Contact our bankers to learn more about options available to address your short term working capital requirements, to finance capital expansion of your existing business or to pursue acquisition opportunities. If you need a loan to finance real estate, our bankers can help you custom tailor a commercial mortgage or construction finance loan to meet your needs.

Quick Credit 

Apply for a Quick Credit loan at any one of our branches or contact our Small Business Lender . Loans are available up to $50,000 and decisions are made locally. Loans are available for a variety of needs including:

Short Term Working Capital
Equipment Purchases
Vehicle Purchases

Commercial Mortgages

We offer competitive commercial mortgage rates and terms for owner-occupied or investment properties. Permanent as well as construction-to-permanent loans are available to help you acquire, build, renovate or expand your commercial property.

Construction Lending

Need construction financing? From small projects to large developments, we offer loans to facilitate various types of construction. With flexible terms and competitive interest rates, our bankers will work with you and your contractor to help make your commercial project a success – be it financing for office, manufacturing or warehouse space, land development, residential subdivisions, multi-family housing and condominium/townhouse construction.

Condominium Association Capital Improvement Loans

Does your Condo Association need financing for capital repair projects? We have many years of experience working with associations and home ownership organizations and can design financial solutions with short or long term financing up to 100% at attractive rates for capital improvements such as:


Letters of Credit

We offer standby letters of credit, typically used to support bid bonds or performance bonds, or to facilitate trade between unrelated parties.

SBA Loans

Newtown Savings Bank is a Preferred Small Business Administration (SBA) lender. We can approve SBA loans and provide faster decisions. Speak with our Small Business Lender.

SBA Express

Choose from fixed or variable rate loans or a revolving line of credit for up to $350,000. Applications feature an accelerated SBA review.

7(a) Loan Guaranty Program

Enables qualified businesses to obtain financing, even when they are not eligible through traditional lending programs. Loan proceeds can be used to establish or acquire a new business; operation or expansion of an existing business.

504 Loans

Provides up to 90% financing for business owners seeking to purchase owner-occupied real estate with a 50% conventional first mortgage and up to 40% second mortgage funded through an SBA debenture. A 504 Loan can be used to purchase land, including buildings; purchase of improvements such as grading, utilities, and landscaping; and the purchase of long-term machinery and equipment.