Business Loans - The Harbor Bank of Maryland

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Commercial Financing


Types of Commercial Loans


  •  Commercial Real Estate, Construction, and Renovations Loans
  •  Lines of Credit
  •  Permanent Loans
  • SBA Loans
  • Letters of Credit (100% cash secured)

Commercial Real Estate Loan Terms:

  • Competitive rates
  • Up to 80% financing 
  • 25-year amortization
  • Existing business must show fixed debt coverage of 1.25 times or greater for previous fiscal year end and current interim period.

Basic Uses:

  • Purchase of owner-occupied real estate
  • Purchase of investment real estate
  • New construction financing
  • Renovation financing

Line of Credit (minimum $25,000)

  • Competitive rates
  • Up to 2- year maturities, interest only due monthly

Basic Uses:

  • Finance short-term working capital needs, payroll, and Inventory
  • Ability to manage fluctuations in cash flow by accessing cash when needed

Permanent  Loan Term:

  • Competitive rates
  • Up to 5-year maturities 
  • Fixed principal and interest payments

Basic Uses:

  •  Purchase of fixed assets
  •  Refinancing or consolidation of business debt

SBA Loan Terms:

  • Loans up to $5 million
  • Up to 25-year maturities, fully amortized
  • Variable and fixed rates
  • Up to 90% financing

Basic Uses:

  • Long and short-term working capital financing
  • Purchase of equipment, machinery, furniture, fixtures, supplies, or materials
  • Purchase of commercial real estate
  • Construction of a new building or renovation of an existing building
  • Establishing a new business or assisting in the acquisition, operation, or expansion of an existing business
  • Partner buyouts
  • Refinancing or consolidation of existing business debt


Visit us in one of our branches or via email at to learn more.

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Hours & Locations

Hours & Locations

We have a convenient HBM branch right near you.
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Who We Are

The Harbor Bank of Maryland
25 W. Fayette Street
Baltimore, Maryland 21201
(410) 528-1800
NMLS# 417182
Routing #052001772

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