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Man and woman in their office - With a Century Bank Business Line of Credit, you owe nothing unless you use it.

Lines of Credit

Fast, easy cash with a business line of credit

As a business owner, one of the most important relationships you’ll have is the one you establish with your bank. Century Bank is committed to helping businesses of all sizes succeed.

We offer a business line of credit up to $500,000* that doesn’t cost you a cent unless you use it. Plus, lower a lower annual percentage rate may apply with auto-debit from your Century Bank business checking account.

Benefits of a business line of credit

A business line of credit is financing that provides an influx of cash to pay for everyday needs. This type of financing is revolving, meaning your available balance grows with every principal payment you make. Whether you need money as your current company expands, looking to acquire an existing business or are eager to become an entrepreneur, Century Bank is here to help you.

Our credit lines are designed to help you easily manage cash flow. Seasonal businesses, start-up companies and other organizations faced with uneven revenue may find a business line of credit most helpful. You can use a business line of credit for many purposes including:

  • Buyout partner
  • Construction
  • Debt refinance
  • Increase liquidity
  • Payroll
  • Purchase equipment
  • Purchase inventory
  • Versatile draw and payback
  • Working capital

How to get a business line of credit

Century Bank is all about relationships. When it comes to financing, we treat every business and business owner as an individual. When you talk to one of our Lending Experts, we’ll take the time to get to know you and your specific needs. We consider many factors such as whether your company is a startup or has been around for years.



Q: How does a business line of credit work?
A: Business lines of credit are flexible. While you get capital to manage your cash flow, the available balance can increase, allowing you to borrow more once you start to pay off your balance.
Q: How much of a business line of credit can I get?
A: We offer a business line of credit up to $500,000. For higher loan amounts, please contact our Commercial Borrowing group.
Q: What is the term length?
A: A Century Bank business line of credit does not have a term length, making it great for when unexpected expenses arise.
Q: Is Century Bank affiliated with the Small Business Administration (SBA)?
A: Yes, Century Bank is proud to be an SBA preferred lender.
*Higher loan amounts are available through our Commercial Borrowing group.

image of Michelle Houghton
Michelle Haughton
Vice President
(781) 393-5024
image of Ashky Hedvat
Ashky Hedvat
Vice President
(781) 960-3138
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