In a high-interest environment, access to capital is more important—and more complicated—than ever. As the Federal Reserve continues to mull raising rates to curb inflation, borrowing becomes more expensive for businesses of all sizes. For small businesses and commercial enterprises in manufacturing and construction, the stakes are especially high. Delayed projects, tighter margins, and increased costs for equipment, labor, and materials can make the path forward uncertain.
But here’s the truth: not all business banking is created equal. And at Union Savings Bank, we’re not just here to lend money—we’re here to build the future of Connecticut’s business community.
More Than a Loan—A Local Powerhouse in Your Corner
While big banks focus on volume and fintechs promise speed, we offer something irreplaceable: deep local knowledge, real relationships, and decisions made right here in the communities we serve. We believe that when you know the industries, the people, and the pressures they face—you lend differently. You lend better.
Our business loans and lines of credit aren’t one-size-fits-all. They’re tools we tailor with you to help your business thrive through today’s challenges and tomorrow’s opportunities.
Term Loans: Invest With Confidence
From buying new equipment to expanding your operations, a term loan can help you make big moves without compromising your day-to-day cash flow. In sectors like manufacturing and construction—where capital investments are essential—our term loans offer predictable payments, flexible terms, and local support every step of the way.
At USB, we don’t just assess risk. We understand your vision. And we back it.
Lines of Credit: Stay Nimble, Stay Competitive
Cash flow volatility is part of doing business—especially in industries with seasonal cycles or phased billing. A business line of credit gives you access to capital when you need it, so you can bridge gaps, manage supply chain hiccups, or fund payroll without missing a beat.
In a world that moves fast, flexibility is power. And USB is built to deliver both.
Break Free from “Just Another Bank” Thinking
We know many business owners default to what feels familiar—big bank names or fintech convenience. But the truth is, those options can’t offer the kind of hands-on partnership, speed of decision-making, or long-term commitment that we can. Union Savings Bank is transforming what business banking looks like in Connecticut—and we’re just getting started.
Let’s Build the Next Chapter—Together
If you’re ready to grow, evolve, or simply navigate uncertainty with confidence, let’s talk. Whether it’s a term loan or a flexible line of credit, our team at Union Savings Bank is ready to help you move forward—on your terms, in your time, and with a partner who’s right there with you. Because building better business isn’t about the loan—it’s about who’s backing you. Learn more.
All loans and line are subject to credit approval.
