Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Important News
Mariner’s Bank is joining Spencer Savings Bank.   Read More

We are excited to welcome Mariner’s customers and employees to the Spencer family. Read More

Act Now!
Limited-Time Small Business Loan Promos

Find all of the business banking services you need to succeed in Spencer Savings Bank’s BusinessEdge® suite. We are currently offering very competitive rates on our BusinessEdge® line of credit and term loan products.

BusinessEdge® Loans

  • Loan Amounts up to $300,000
  • No Annual Clean-Up Option
  • Simplified Application

Plus, add on our cash management suite to simplify, streamline, and safeguard your finances.

Cash Management

  • ACH Originations
  • Positive Pay / Account Rec / ACH Filters
  • Online Wire Transfers
  • Remote Deposit Capture
  • EDI Reporting
  • Remote Official Check Printing


Inquire Now

Small Business Loans Rate Box

Move Your Business Forward with Spencer

Call us at 1-800-363-8115 or fill out an inquiry form by clicking here.

*APR=Annual Percentage Rate. Spencer refinances are not eligible for these promotions. Rates and terms are subject to change without notice. All loans are subject to credit approval. Line of Credit rate is based on the total non-interest deposit account relationship of the borrower(s) and guarantor(s) as well as the Prime Rate as published on the last business day of the month in the Wall Street Journal. Rates as low as Prime with a Floor Rate of 3.25%. As of 8/31/2021 the Prime Rate was 3.25% resulting in a promotional rate of 3.25%. BusinessEdge Term Loan rates are as follows: 3.74% (12-36 months) and 3.99% (48-60 month terms). There is a $299 Closing Fee on all promotional BusinessEdge Loans and Lines of Credit. An active primary business operating checking account with Spencer is required to receive these promotional rates. Other rates and terms available for borrowers that do not qualify for these promotional offers. Offers valid through October, 31, 2021.