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Today's Rates

Annual Percentage Rate as low as:
30 Year Fixed 4.681% Apply
5 Year ARM 4.793% Apply
New/Used Auto Purchase3.50%Apply
Annual Percentage Yield as high as:
Variable IRA0.45%Apply
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Annual Percentage Rate as low as:
30 Year Fixed 4.681% Apply
15 Year Fixed 4.222% Apply
5 Year ARM 4.793% Apply
30 Year Fixed
Mass Housing
(first-time homebuyer)
4.342% Apply
Annual Percentage Rate as low as:
New/Used Auto Purchase3.50%Apply
New/Used Auto Refinance3.50%Apply
New RV8.25%Apply
Used RV8.50%Apply
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Commercial Loans

Business Lending

From starting a new business to growing your existing one, Align understands the importance that credit plays when it comes to your business needs.  Whether it’s purchasing new equipment, upgrading technology, or hiring personnel, a loan can be critical to the success and growth of your venture.  We offer a variety of flexible term and low rate loans and will customize a financing strategy to help you meet your business goals.

Meet Andrew Patton, AVP, Commercial Lending

Andrew Patton, VP, Commercial Lending

19 Haverhill Road,
Amesbury, MA 01913

Direct line: (978) 275-2760
Main line: (800) 942-9575
Fax: (978) 388-0610

Andrew is responsible for building and servicing business relationships on the North Shore and throughout the Greater Merrimack Valley. Andrew has been in the financial industry for over 12 years. Andrew is NMLS certified, a graduate of Worcester State College and a member of the North Shore Chamber of Commerce and the Danvers Kiwanis Club.

Commercial Real Estate Mortgages

Mortgages to help you purchase, refinance, or build your business from the ground up…literally.
  • Owner Occupied
  • Non-Owner Occupied
  • Competitive rates with low fees
  • Variety of repayment terms
  • Can be used to expand, improve cash flow, or refinance to consolidate debt

Investment Properties

Earn a return on your investment…immediately or down the road when you purchase an investment property.

  • Fixed and Adjustable rates available
  • Loans up to $1,000,000
  • Finance up to 80% of the appraised value or purchase price
  • Eligible property types include single-family residence, 2-4 units, and condominiums

Term Loans

Gives your business room to grow at the speed and pace that’s right for you.

  • Secured and unsecured terms
  • Equipment and vehicle purchases
  • Capital expenditures and expansion
  • No pre-payment penalties

Business Visa® Credit Card

An affordable and convenient way to make purchases and track spending, all while earning rewards with every purchase.

  • Competitive rates with low fees
  • No annual fee
  • CURewards points redeemable for travel and merchandise
  • Free online access through online banking and the Align Credit Card Mobile App
  • Additional benefits include travel insurance

Business Line of Credit

A perfect way to help you with your short term financial needs, including cash flow management and working capital.

  • Credit lines up to $50,000
  • Competitive rates
  • For a variety of purposes, including renovations, working capital, inventory, and seasonal cash flow.
  • No prepayment penalties

Business Overdraft Line of Credit

Ensure liquidity while enjoying peace of mind knowing your checking account is covered even if the balance drops below zero.

  • Competitive rate
  • Avoid overdraft fees for returned checks or insufficient funds
  • Interest is only charged when you use your account
  • Monthly payments automatically deducted from your account

SBA Loans

A Small Business Administration (SBA) loan might be the right fit for a business that may not qualify for a conventional loan and is looking to purchase machinery or equipment, finance working capital, or purchase property. Align is an approved SBA lender that can provide flexible financing for all your business needs.

  • Ideal for new businesses or businesses without an established credit history
  • SBA Loans are partially guaranteed by the Federal Government
  • 7(a) Loan program – for general business purposes including working capital, machinery, furniture and fixtures, land and building, and leasehold improvements.
  • 504 Loan Program – provides small businesses with long-term, fixed-rate financing up to $10 million to acquire major assets for expansion or modernization.