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  We offer CSB SimpliCapital, a streamlined loan application process, so we can say "yes" faster— and more often.





Simple online application and fast decisions As soon as one day after completed application Fast access to funds up to $1,000,000



We understand the importance of local business growth in our community, and want to see your small business continue to grow and thrive. We provide quick underwriting decisions, have flexible guidelines and are one of the top 10 Small Business Association lenders in Massachusetts1.

Small Business Line of Credit

A convenient and flexible option that allows you to borrow funds on an as-needed basis to meet your short-term working capital needs and grow your business. You can even continue to re-use the funds as you repay.

The finer points:

  • Loan amounts up to $1,000,000
  • Access to funds quickly, as you need them
  • Ability to reuse funds as you repay
  • Only pay interest on the amount used

Apply in Minutes

Small Business Term Loan

The perfect solution to help you purchase inventory or equipment, make capital improvements, or refinance debt. Your funds are received in one lump sum and paid back over an agreed upon repayment schedule.

The finer points:

  • Loan amounts up to $1,000,000
  • Predictable monthly payments
  • Flexible terms
  • Interest paid may be tax deductible2

Apply in Minutes

Get assistance with all of your funding needs.

If Cambridge Savings Bank cannot approve your request, we have partnered with Fundation, who can potentially offer you other options to address the financing needs of your business.

Business Overdraft Protection

This is the ideal way to add a layer of protection to your business checking account. A line of credit is linked to your business checking and will automatically transfer funds if your account balance falls below $0, so you never have to worry about bouncing a check or not having access to funds when you need it.

The finer points:

  • Line amounts up to $10,000
  • Flexible repayment terms
  • Access to funds when you need them
  • Lower interest rate than most credit cards

Small Business Administration (SBA) Loans3

As a preferred SBA lender, we’re able to further help businesses in our community to grow and expand by offering government-guaranteed SBA loans. These loans help businesses that may not qualify for conventional loans get the funding they need to start or grow a business.

The finer points:

  • Fixed or variable rate options
  • Flexible repayment terms available
  • Get quick access to the funds you need

To learn more, or to find out if you qualify for an SBA loan, visit a branch and speak with a Small Business Development Officer.

All Small Business Lending products are subject to credit approval.

1 SBA Massachusetts District Office FY – 2017

2 Consult a tax adviser for information on tax deductibility of interest.

3 Government-guaranteed loans are offered through the Small Business Administration (SBA). To qualify, small businesses must meet certain criteria outlined by the Small Business Association (SBA), including size requirements, financial standing and being in a for-profit industry. Talk with a Small Business Banker for additional details and requirements. Other restrictions may apply.

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