Small Business Administration Lending

We’re passionate about helping local businesses, which is why we have formed strategic partnerships to provide business owners with access to additional resources and financing options.

We make it easy to

Community lending solutions for your business

Small Business Administration (SBA) Loan

We work closely with the Small Business Administration to provide small businesses with financing. Our team is familiar with all the SBA products and programs that are available and can evaluate your loan request to recommend a suitable structure.

504 Loan – Long-term loans for owner-occupied land, buildings and machinery with special interest rates and down payment requirements.
SBA Express Loans to support equipment, fixed assets and working capital needs for businesses.

Invest MA

We’ve partnered with the Commonwealth of Massachusetts to participate in Invest MA, a program designed to provide the financing that creditworthy small businesses need to grow.

Participating financial institutions are required to expand an existing small business loan program and/or create a new small business loan program that fosters the creation of jobs by offering loans for small business expansion, construction, and/or equipment.

To be eligible, a business must:

Have total annual sales of less than $5 million in its most recently completed fiscal year.
Have no loan or loans in aggregate of more than $1 million.
Have no loan for passive real estate purposes.

As a proud Invest MA participant, Walpole Co-operative Bank is committed to financing and helping build small businesses that create jobs, promote urban revitalization, and enhance the lives of those living in low- and moderate-income census tracts.

Invest MA Details
Since becoming involved in this program, we’re proud to have generated $113,829,394.39 in loans to the business community.
As of March 31, 2025, we’ve made a total of 100 small business loans with a committed balance of $13,249,988.51.

Jobs for New England (JNE)

Through our partnership with the Federal Home Loan Bank of Boston, and a member of their JNE Program, we are able to support local job growth and economic development. The Program provides eligible small businesses in New England with below market-rate small business loans to help create and/or retain jobs, or otherwise contribute to overall economic development activities.

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