Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content

Spencer Savings Bank
Commercial & Industrial Loans

Bank for Ambitious Goals

Reach new heights with our suite of commercial & industrial lending solutions. We understand the complex needs of our clients and work together to build tailored solutions, keeping businesses growing and thriving. We know it’s not just about finding out what’s right in the commercial credit landscape – it’s about figuring out what’s right for you. Our loan options offer a variety of benefits including monthly itemized statements, easy access to your money, and monthly auto-deduct options are available for applicable loan types. Inquire today to figure out which loan type works for you and your business.

Inquire Now

  • 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