We understand that there are no two businesses alike. In fact, in today's competitive environment, business owners have needs unique to their business. So if you are someone just starting a new business, expanding your business or are just looking to get more from your financial institution, our loan products offer a broad range of solutions to meet your financing needs.

Our Business Lending programs include:

  • Commercial Real Estate
  • Term Loans
  • Lines of Credit
  • Equipment Financing
  • SBA loan programs

*Loans are subject to approval

Commercial Lending Team

Our local, experienced lending officers are here to help you succeed.

*Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.

Wayne Carvalho

VP Commercial Loans
Chief Commercial Lending Officer
Entire Geographic Footprint 
(774) 628-7825
(774) 628-7817
Email Wayne

Susan Giesta 
AVP/ Commercial Loan Officer
Southcoast (Bristol County)
(774) 628-7842
Email Susan

John Cotton
VP/ Commercial Loan Officer
Cape Cod & The Islands (Barnstable, Dukes & Nantucket Counties) 
(774) 628-7853
Email John


Michael Litzenberger
VP/ Commercial Loan Officer
South Shore (Norfolk & Plymouth Counties) 
(508) 717-6039
Email Michael 


Testimonial quote from Dee's Hot Dogs, proprietors: Diane & Robert Martin

Testimonial quote from the Law Offices of Gabriella Bonfim Moraes

Testimonial quote from Kool Kone, proprietor: Thomas Strom

Testimonial quote from Marx Auto Center, proprietors: Paula & Marc Rego