At MountainOne Bank, we understand business. And we judge our success by the success of our clients.

Our team understands the local market and local industries. We bring years of expertise in serving the banking needs of local businesses and offer customized solutions to help your business succeed. We like to get to know you and your company, and provide you with a personalized selection of banking accounts and services that will work best for you.

And, you’ll have a dedicated relationship team you can count on. When you work with us, you’ll see that MountainOne isn’t just a bank. It’s people – who happen to be experts in commercial banking.

Running a successful business requires getting the most from every dollar.

At MountainOne Bank, we offer solutions to help you get more out of your savings.

Money Market accounts allow you easy access to your funds, while still earning a great rate. They’re a great way to build a buffer for unplanned expenses or to save for a special purchase for your business. And you can access your funds anytime, through our free Online Banking and Mobile Banking services.

Ultimately, what you want from any savings account is competitive returns and peace of mind. That’s exactly what MountainOne Bank offers. Your balances, no matter how large, are fully protected by both FDIC and DIF insurance. 

Control and maximize your business cash flow with Business Cash Management.

Cash Management services help you control and maximize your business cash flow. Our experienced professionals can help you select the best cash management solutions so you can expedite collections, disburse and maximize funds more efficiently, and gain immediate access to the information you need to make critical business decisions.

Account Access

• Online Banking: With real-time, secure access to your accounts online, you can view balances and activity, transfer funds, and much more. You can also set up administrators with specific account and transaction access.
• Mobile Banking: Use your smartphone to keep track of your business banking activity on the go.
• Debit Cards: Obtain multiple debit cards for your business accounts, allowing you and your designated employees to make business purchases.

Collection

• ACH (Automated Clearing House): Electronically originate transactions, including collection of funds from individuals and companies.
• Deposit Partner (Remote Deposit): Deposit checks right from your office computer, 24/7. With a desktop scanner, you can capture check data and images, then securely transmit this to the bank. Small businesses can also use our easy Mobile Deposit service when making just a few deposits per month.
• Merchant Services: Accept customer payments via credit card, online, and smartphone. We’ve partnered with Elavon to give you a host of tools to offer more payment options to your customers and keep their information safe along the way.

Disbursement

• ACH (Automated Clearing House): Generate electronic payments, such as payroll direct deposit, including the ability to set up handy templates.
• Tax Payments: Pay your federal and state taxes quickly and securely through Online Banking.
• Wire Transfers: Securely transfer funds anywhere. Depending on when you make the transfer, business funds could be available the very same day.

Investment

• Sweep Accounts: Automatically transfer funds above a target balance from your business Checking account at the close of business each day. Excess balances are automatically transferred into an FDIC-insured overnight investment account.
• Money Market Accounts: Money Market accounts allow you easy access to your funds, while still earning a top market rate. They’re a great way to build a buffer for unplanned expenses or to save for a special purchase for your business.

When you bring your business borrowing needs to MountainOne, you gain more than just financing. You gain our extensive knowledge of the local market.

We understand the varying needs of different industries in Eastern and Western Massachusetts and neighboring communities. We also know how important financing is to an organization’s success, whether it’s a sole proprietorship or a 500-employee company.

We can help you with:

• Asset Purchases/Term Financing
• SBA (Small Business Administration) Loans
• Vehicle or Equipment Loans
• Lines of Credit 
• Real Estate Loans
• Construction Loans
• Letters of Credit

Meet our lending team

Timothy Rhuda Senior Vice President, Commercial Lending Rockland, MA	Judith A. Cogan Vice President, Commercial Lending Rockland & Quincy, MA	Matthew Kreiser Vice President, Commercial Lending Rockland, MA	Tracy L. McConnell Vice President, Commercial Lending North Adams, MA
Brian W. McDavitt Vice President, Commercial Lending Rockland, MA	Kevin McGowan Vice President, Commercial Lending Rockland, MA	Elizabeth Trifone Vice President, Commercial Lending Danvers, MA

Some of our recent deals

View more deals >>

Preferred lender status means streamlined SBA Loan processing.

MountainOne Bank has been designated a “Preferred Lender” by the U.S. Small Business Administration (SBA). Under the Preferred Lenders Program (PLP), SBA lenders that generate significant loan volume are able to provide qualified small business borrowers with expedited loan approvals.

MountainOne Bank participates in the following SBA lending programs: 7(a) Guaranty Program; Express; Patriot Express; SBA 504 Loans; and the Lender Advantage Loan Program. 

To qualify for SBA financing, borrowers must:

• Operate on a for-profit basis
• Be either U.S. citizens or provide a verified “green card” status
• Not exceed size standards set by the SBA
• Be of good character and pass the SBA personal resource test
• Possess management ability and have experience in their field 
• Demonstrate repayment ability

Manage your cash simply and securely through any computer or mobile device.

Business Online and Mobile Banking provides you with easy, secure, anytime access to your business accounts. Services can be tailored to meet your organization’s needs, such as designating your employees to have full or partial access.

Business Online Banking and Bill Pay

To get started with Business Online Banking, just stop by your favorite branch office, where we’ll help you with the online authorization process and obtain the necessary signatures.  Or, we can come to your business to help get you signed up.

Once you’ve signed up and successfully logged in, you can access your account information anytime. You and your designated employees will be able to:

• View balances and transactions
• Use Bill Payment
• Transfer funds between your accounts and banks
• Create and send electronic files such as payroll or other ACH files
• Initiate domestic and international wires
• View and print statements and check images
• Authorize employees to process transactions
• Customize account alerts and approvals
• Download account information to Quicken® and QuickBooks™ with the option of using the faster, easier Direct Connect process

Business Mobile Banking Services

Once you’ve signed up for Online Banking, you can also use free MountainOne “Business Mobile Professional” to bank with us 24/7. Just visit MountainOne.com on your smartphone browser and click on “Login to Mobile Professional” to gain access to your business accounts. You'll be able to:

• View balances and make transfers
• Use Bill Payment
• Transfer funds between your accounts
• Access most of the same information and transactions that are available in Online Banking, with the exception of drafting, approving, and cancelling ACH and Wire transactions