Bluestone Bank

This is Bluestone Bank, a financial institution offering small business loans, including SBA programs, to help entrepreneurs grow and succeed. You can find information about their loan options, application process, and support services tailored for small businesses.

It is recommended to schedule an appointment to meet with a loan officer, but walk-in consultations may also be available during business hours. Calling ahead ensures you receive dedicated assistance promptly.

The bank typically operates from 9:00 AM to 5:00 PM, Monday through Friday. It's advisable to contact the branch directly for specific hours or to schedule an appointment.

There are no fees for accessing general information, but loan applications and processing may involve fees such as application or guarantee fees, which vary depending on the loan type.

This bank primarily serves small business owners and entrepreneurs within its regional area, but eligibility for SBA loans is based on business criteria rather than residency alone.

A minimum personal credit score of around 680 is generally preferred, but the actual requirement may vary depending on the loan and borrower profile.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Bluestone Bank 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 Bluestone Bank to confirm current weekend availability before you go.

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

The core details for Bluestone Bank — 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 Bluestone Bank before applying. If you represent Bluestone Bank, claim this listing to keep its information up to date.

You can reach Bluestone Bank by phone at (508) 884-3300 or online at bluestone.bank — 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 Bluestone Bank before relying on them.

Based on its approved SBA loans, Bluestone Bank most often finances businesses in general retail, construction & contractors, and manufacturing. This reflects Bluestone Bank'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 Bluestone Bank 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 Bluestone Bank participates in SBA Express depends on its specific SBA lending authority. Contact Bluestone Bank 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. Bluestone Bank 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. Bluestone Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Bluestone Bank 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 Bluestone Bank 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 Bluestone Bank 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 Bluestone Bank 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. Bluestone Bank weighs this case by case under its own policy, so be upfront about your history and ask Bluestone Bank how it evaluates prior bankruptcies.