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  A Message To Our Customers
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Spencer Savings Bank
Commercial & Industrial Loans

Bank for Ambitious Goals

It’s not luck. It’s earned. Growing a business takes patience, persistence, and perseverance each day. Then, you reach that pivotal moment when it’s time to go big and act fast. Look to Spencer’s commercial and industrial lending team to take your business to the next level with financing for your most ambitious goals. We provide tailored solutions that enable businesses to grow, thrive, and excel.

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  • Working Capital Support
  • Owner-Occupied Mortgages
  • Finance Equipment and Machinery
  • Renovations to Existing Facilities

Owner-Occupied Mortgage:

  • Multi-Family, Office, Industrial, Retail, and Mixed-Use Properties
  • Fixed or Adjustable-Rate Loan
  • Flexible Term Options Available

Line of Credit:

  • Manage Seasonal Cash Flow Easier
  • Flexible Repayment Terms
  • Competitive Variable Interest Rates

Term Loan:

  • Ideal for Financing Machinery, Equipment, or Company Vehicles
  • Fixed Monthly Payments
  • Longer Payback for Major Purchases


  • Interest Only Paid for the First 18 Months
  • Flexible Term Options Available
  • Fixed or Variable Rate for Term Loan

Investment Property Loan:

  • Fixed Monthly Payments
  • Flexible Term Options Available
  • Ideal for Real Estate Developers, Investors, and Owners

Cash Management Services:

  • Remote Deposit Capture
  • Remote Official Check Printing
  • Positive Pay/Account Rec/ACH Filters

We’re not just lenders, we’re experts. Get in touch today.

Juan Oelofse

Juan Oelofse
SVP, Director of C&I Lending