Santander Bank, N.A.

Santander Bank, N.A. is a national commercial bank headquartered in Boston, MA, and part of the global Santander Group. Its commercial banking platform covers a wide range of financing needs — including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance — alongside asset-based lending for more complex capital structures. Minimum eligibility requirements aren't publicly listed, so you'll need to connect with a relationship manager to discuss your specific situation. The bank is best suited for established businesses looking for a full-service, relationship-driven commercial banking partner rather than a fast, online-first lending experience. Some business owners have reported friction with complaint resolution, so clear communication from the start is worth prioritizing.