Country Bank for Savings

This is a financial institution offering SBA loan programs designed to support small businesses with funding solutions tailored to their needs.

It's recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are no fees for simply visiting or consulting; fees apply only to specific loan processing and closing costs.

This bank primarily serves local residents and small business owners in the region, but they welcome inquiries from new clients nationwide.

A minimum personal credit score of 640 is generally recommended for loan consideration.

The underwriting process typically takes around 30 to 45 days, depending on the completeness of your application and documentation.

Most banks keep weekday business hours and are closed on weekends, and Country Bank for Savings typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Country Bank for Savings to confirm current weekend availability before you go.

Country Bank for Savings is located in Massachusetts — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Country Bank for Savings, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Country Bank for Savings itself, which runs its own lending under its own ownership. If you work at Country Bank for Savings, you can claim this listing from this page to manage it.

The core details for Country Bank for Savings — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Country Bank for Savings before applying. If you represent Country Bank for Savings, claim this listing to keep its information up to date.

You can reach Country Bank for Savings by phone at (800) 322-8233 or online at countrybank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Country Bank for Savings before relying on them.

Based on its approved SBA loans, Country Bank for Savings most often finances businesses in construction & contractors and food manufacturing & processing. This reflects Country Bank for Savings's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Country Bank for Savings which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Country Bank for Savings participates in SBA Express depends on its specific SBA lending authority. Contact Country Bank for Savings and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Country Bank for Savings can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Country Bank for Savings's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Country Bank for Savings directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Country Bank for Savings what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Country Bank for Savings to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Country Bank for Savings to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Country Bank for Savings weighs this case by case under its own policy, so be upfront about your history and ask Country Bank for Savings how it evaluates prior bankruptcies.