UniBank

UniBank is a community mutual bank headquartered in Whitinsville, MA, serving businesses across Central Massachusetts. As a mutual bank with no outside shareholders, it tends toward a relationship-driven approach to lending — meaning decisions are made locally, with the borrower in context. For small businesses, UniBank offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Qualification criteria aren't published publicly, so you'll need to reach out directly to discuss eligibility. A good fit if you're an established business in Central Massachusetts looking for a local banking partner rather than a fast, online-first experience.