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BreadRoute Review
Shoreham Bank
3.5Our Shoreham Bank Review
Shoreham Bank is a commercial bank headquartered in Warwick, RI, lending to businesses across all 50 states. It holds SBA Preferred Lender status — a designation that can meaningfully speed up SBA loan approvals — and offers a broad product lineup including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. The bank also provides USDA loans, marine lending, auto loans, and mortgage products, and works with brokers. Minimum credit score, revenue, and time-in-business requirements are not publicly listed, so expect to qualify through a direct conversation. Business borrowers considering mortgage-adjacent products may want to ask pointed questions about service processes and terms before committing.
Who Is Shoreham Bank Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- Businesses that need equipment or machinery financing
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
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Shoreham Bank Pros & Cons
Pros
- No minimum credit score requirement
- Wide range of financing products
Frequently Asked Questions
Shoreham Bank does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Shoreham Bank offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.
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