Specialty Loan Programs

Supporting local small business.

Affordable financing for small businesses.

Whether it’s working capital, new equipment, or real estate for expansion, our tailored borrowing solutions keep your business, and our economy, moving forward.

Small Business Lending Solutions

The Massachusetts Capital Access Program

The Massachusetts Capital Access Program empowers small businesses with 200 or fewer employees by offering loans up to $500,000. Perfect for starting, expanding, or sustaining your business, CAP provides a reliable solution to meet your financial needs.

Accessible - up to $500,000 with no minimum amount required
Versatile - use loans to start/expand your business, for working capital, to purchase equipment, and to buy real estate
Fast - banks use their own procedures, cutting down on red tape
Direct - businesses negotiate their own terms with the bank
Successful - over $497 million in CAP loans to 7,100+ clients through participating banks

Invest MA

Small businesses make up 85% of Massachusetts’ economy, and the Invest MA Program helps them thrive. This state-sponsored initiative offers creditworthy businesses access to funding for growth, job creation, and community impact.

Access to funds- small businesses have access to loans they might not otherwise have the ability to secure
Versatile - use loans to start/expand your business, increase working capital, purchase equipment, and buy real estate
Improved economy - loans drive growth of small businesses which in turn, boost the local economy
Fast - simplified lending process reduces delays, making it easier for and quicker to secure a loan

Frequently Asked Questions

What types of businesses are eligible for Specialty Loan Programs?

Small businesses with 200 or fewer employees are eligible for programs like the Massachusetts Capital Access Program (CAP).

The Invest MA Program supports small businesses, including women, minority, and veteran-owned businesses, to promote growth and job creation in Massachusetts.

What can I use a specialty loan for?

Specialty loans can be used for various purposes, including starting or expanding your business, purchasing equipment, increasing working capital, or acquiring real estate. For instance, CAP loans may be utilized for equipment purchases, start-up costs, and real estate acquisitions.

How do I apply for a specialty loan at Fidelity Bank?

To apply for a specialty loan, contact Fidelity Bank’s Business Banking Team. Our experts will guide you through the application process, help determine your eligibility, and assist in selecting the loan program that best fits your business needs.

We C.A.R.E. About Your Business

At Fidelity Bank, we do more than offer loans—we build partnerships. Using our unique C.A.R.E. Process, we take the time to understand your business, your goals, and where you want to go. Together, we’ll identify the best financing solutions and help you implement them with confidence.

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Schedule a Banking Center Visit

Talk to a Business Banker

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