Financing Solutions for Small Businesses


BusinessOne delivers loan decisions, for active HarborOne business customers, within 48 hours* on business term loans and lines of credit from $10,000 to $100,000.

  • Rates starting at  Prime + 2.00%

*Guarantee pending all required documentation requested by the bank is provided.

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Business Line of Credit

Loan amounts from $25,000-$500,000. For short term financing needs.

Business Term Loans

Loan amounts from $25,000-$750,000. Longer-term lending options might be a smart choice for expanding operation or purchasing equipment. Competitive fixed rates available.

SBA Line of Credit or Loan

Our SBA Preferred Lender status enables us to offer flexible loan terms for you.

When it's time to move your business forward, an SBA-backed loan may be the solution you're looking for.

Whether it's an SBA 7(a) loan or SBA 504 loan, these small business loans can have great advantages over conventional loans. Advantages of SBA loans include:

  • Longer repayment terms than traditional financing.
  • Allows for more flexible timelines.
  • Lower down payments. Makes upfront costs more affordable.

Learn More About Applying for an SBA Loan

Commercial Real Estate Financing

If you need funds up to $3 million to expand or purchase office space, retail space or a manufacturing facility; or perhaps, you are a real estate developer or investor with an exciting project, we have the real estate solutions suited for your opportunity.

  • Owner Occupied and Investment Real Estate
  • Acquisition
  • Refinancing
  • Construction Financing for Commercial and 6 Unit or Greater Multi-Family Residential Development

Success for Small Business (SSB) Loan Program

Loan amount $5,000. For business owners who successfully complete HarborOne U’s Success for Small Business program. Loans may be provided to start-up businesses. Funds not intended for refinancing. Loan subject to credit approval. Flexible and innovative Credit underwriting considered.

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Loan Calculator

Work out what your loan repayments might be, to help you budget and plan your cash flow.

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As of May 11, 2018, FinCEN’s new Beneficial Ownership Rule requires financial institutions to identify and verify the identity of the beneficial owners of all legal entity customers. For more information, read our Q&A. You can also download the new form here that will be required when opening a new business account or applying for a business loan.