Florence Bank

Florence Bank is a community bank headquartered in Florence, MA, serving businesses across Western Massachusetts. Its commercial lending program covers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — with loan decisions made locally, up to $20 million per business entity. That local decision-making can be a meaningful advantage for small businesses that want a direct relationship with their lender rather than routing through a distant credit committee. Florence Bank also offers cash management services and business banking products alongside its lending. Specific rates and qualification requirements aren't publicly listed, so you'll need to reach out to their commercial lending team directly for terms. A good fit if you're an established Western Massachusetts business looking for a relationship-driven community bank with real lending capacity.