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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

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What C.A.R.E. Can Do For Your Business

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
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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
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Frequently Asked Questions

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.

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.

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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