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Small Business Association (SBA) Lending


Growing businesses have specialized financing needs. Loans from the U.S. Small Business Administration (SBA) are one way we can help.

As a provider of SBA loan programs, we are committed to supporting the growth and development of small businesses in the United States. SBA loans provide more flexible terms, lower down payment requirements, and an easier qualification process than conventional loans.

When there are gaps between what you want to do and what the bank can do, agency guarantee programs can often be the bridge. Frequently, these programs are used when capital and/or collateral are lacking. For young or start-up businesses, sometimes an agency guarantee is the solution to getting your first loan. We provide in-depth expertise on many small business financing programs including:

  • Small Business Administration
  • USDA Rural Development
  • Finance Authority of Maine
  • New Hampshire Business Finance Authority
  • Vermont Economic Development Authority

Contact a Community Lender to discuss your specific financing needs.


When opening an account at Bar Harbor Bank & Trust, the Beneficial Owner(s) Certification Form must be completed by an individual authorized to open accounts or provide information on behalf of the legal entity. Visit the Beneficial Ownership Certification page to learn more and download the form.











Loans are subject to credit approval

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Treasury Services

Our suite of treasury management and payable processing services can help you improve efficiency, maximize cash flow, and decrease risk.

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Our Community Banking Team

Our Community Banking Team is  here to help you build a successful business.

Meet our Team