Business Loans

Specializing in Loans for Small Businesses

As a small business ourself, Bay Bank has a unique understanding of the needs of a small business.   Bay Bank is a locally owned independent community bank.   All loan decisions are approved and serviced locally. 

Our advantage of having knowledge of the local economy is your advantage.  As a community bank we are able to be flexible to meet the demands of businesses during times of economic change.

Our commercial loans are tailored to fit your specific business needs.  We offer business loans to finance:

  • Start Up
  • Expansions
  • Rental Properties
  • Purchase an Existing Business
  • Equipment and Vehicles
  • Operating Lines of Credit
  • Commercial Real Estate
  • Irrevocable Letter of Credit
  • Auction Letter
  • Agriculture

Guaranteed Business Loans

Bay Bank strives to offer a variety of financing options for our business customers.  The following are some programs available:

Commercial Financing available in Indian Country

Knowledge of commercial financing within Tribal Boundaries is our expertise.  Bay Bank offers commercial loans to finance properties held in:  Individual Trust, Tribal Trust, and Leased-Fee Trust.    

Resource Toolbox

Personal Financial Statement

SBA Loans

Government Loans

The Indian Affairs Loan Guarantee Program


Oneida Small Business Program

Urban Hope   



Jeff Bowman
President / CEO

Christopher J. Coppens
Vice President
NMLS# 1342415

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