North Shore Bank, a Co-operative Bank

North Shore Bank, a Co-operative Bank, is a Massachusetts-based community institution founded in 1888 and headquartered in Peabody. Operating as a cooperative bank, it serves businesses across Massachusetts with a range of commercial financing options including lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. The bank is also an SBA lender, which can be meaningful for small businesses that need government-backed loan structures or have difficulty qualifying for conventional products. As a cooperative, its structure tends to prioritize community relationships over shareholder returns, which may translate to a more relationship-driven lending experience. Specific details on financing amounts, credit score requirements, revenue thresholds, and time-in-business minimums are not publicly listed, so prospective borrowers should contact the bank directly to discuss eligibility and terms.