Rockland Trust Company

This is a trusted SBA lender offering small business loans, including 7(a) programs, to help entrepreneurs access the capital they need for growth and operations.

It's recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-in consultations may also be available during business hours.

Rockland Trust Company's Rockland, MA branch is open Monday through Thursday 9:00 a.m. to 4:00 p.m., Friday 9:00 a.m. to 5:00 p.m., and Saturday 9:00 a.m. to 1:00 p.m. Confirm with the branch for SBA lending availability.

There are no fees to visit or consult; however, loan application fees and closing costs may apply depending on the loan terms.

This lender primarily serves small business owners within the region, but eligibility depends on meeting specific loan criteria and creditworthiness.

A minimum personal credit score of around 650 is typically required, though higher scores improve approval chances.

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

Yes, the Rockland, MA branch is open Saturday 9:00 a.m. to 1:00 p.m. (drive-up 8:30 a.m. to 1:00 p.m.). Verify SBA lending staff availability on weekends with Rockland Trust Company.

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

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

You can reach Rockland Trust Company by phone at (781) 878-6100 or online at rocklandtrust.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 Rockland Trust Company before relying on them.

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