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


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


John P. Santos, III
VP/Commercial Lending Officer
Southcoast & Surrounding Communities
(774)-628-7845
Email John




Susan Giesta 

Commercial Loan Officer
Northern Bristol, Norfolk & Plymouth Counties
(774)-628-7842
Email Susan



John Cotton
Commercial Loan Officer
Cape Cod & The Islands
(774)-628-7853
Email John



Kathleen Berry

AVP/Commercial Portfolio Manager
(774)-628-7825
Email Kathleen