Business Loans

Since 1899 Queenstown Bank’s lending decisions have been made locally. Our deep community roots allow us a distinct advantage over other banks on the mid-shore and our knowledgeable lenders have developed their experience working in our community. Our lenders are eager to find the right commercial loan for you to fit your needs.  Queenstown Bank realizes that no two commercial clients are the same, so the flexibility to customize a loan to meet your specific needs is vital. Queenstown Bank knows that options, personal service, and flexibility are essential to the success of your business. Whether you're just getting off the ground or your business is well-established we look forward to partnering with you to meet your business goals.

Meet Our Lenders 


Our Commercial Loan Options

Whether you’re a large commercial entity or a self-employed individual, Queenstown Bank of Maryland offers a variety of commercial loan products and terms to fit the growing needs of your business.

We look forward to assisting you with your financial needs and to determine what options and products will best fit your budget.

  • Business Term Loans
  • Lines of Credit
  • Commercial Real Estate
  • School Bus Loans
  • Agricultural Loans
  • Marine Financing
  • Letters of Credit

All loans are subject to credit approval and underwriting requirements.

Business Term Loans

Helping your business grow means we work with you to finance the expansion of your business, purchase vehicles or equipment, provide cash flow for operating expenses and other financing needs. 

  • Fixed and variable rates
  • Business growth and acquisitions
  • Equipment and Materials purchases
  • Debt refinancing / restructuring

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Commercial Real Estate Loans

Land acquisition and development, construction of residential housing and commercial properties - our real estate lenders have the strong industry knowledge and market expertise to structure a loan that best meets your needs. We offer fixed and variable rate mortgage loans.

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Working Capital Lines of Credit

Lines of credit designed to fund short term working capital needs, seasonal purchases, inventory, and receivables. We work closely with you to understand the unique cash flow cycle of your business and help determine the best fit.

Starting the Business Lending Process

It’s important to work with a local, experienced financial professional you can count on. As a community bank, it’s what we do—straightforward banking with no surprises.

Here are a few things you will need to get the process started:

  • Business organizational documents including Article of Organization and Operating Agreements
  • Two years of Business Financial Statements and Tax Returns, including all schedules if available.
  • Current Interim Business Financial Statement
  • Report of Accounts Receivable and Payable

For more information on starting the business lending process call 410-827-8881, email our lending department or visit any of our convenient locations for more information on our business loan options.

Submit Inquiry Now

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