Rockland Trust Company
SBA Preferred Lender bank in MA: SBA 7(a), Express and 504 up to $5.5M, 7.0% median rate (last 12 months), collateral required, weeks to close. Best for MA and NH owners.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Massachusetts and New Hampshire owners buying or growing a business with SBA financing.
Not for: Borrowers outside New England, or anyone needing an unsecured SBA loan or posted rates.
Lender List verdict: Rockland Trust approved 114 SBA 7(a) loans worth $41.8 million in the 12 months to June 2026 at a 7.0% median starting rate, and none of its 624 approvals since FY2020 has been charged off.
Rockland Trust at a glance
| Rockland Trust | |
|---|---|
| Lender type | FDIC-insured state bank (cert 9712); SBA Preferred Lender |
| Founded / HQ | 1907 / Rockland, Massachusetts |
| Products | SBA 7(a) up to $5 million, SBA Express up to $500,000, SBA 504 up to $5.5 million |
| Cost | 7.0% median starting rate (last 12 months) |
| Funding speed | About 30 days (Express) to 60 to 90 days (standard 7(a)) |
| Status | Active |
What is Rockland Trust?
Rockland Trust Bank (legal name Rockland Trust Company) is a Rockland, Massachusetts lender founded in 1907, with $24.97 billion in assets and 151 offices at June 30, 2026. It is the only bank owned by Independent Bank Corp. (NASDAQ: INDB).
How Rockland Trust SBA loans work
Rockland Trust made 50 SBA Express and 64 Preferred Lender 7(a) loans in the 12 months to June 2026, 42 of them revolving lines.
- SBA Express: typically $100,000, up to $500,000
- Standard 7(a): typically $269,600; the bank advertises up to $5 million
- Terms: 120 months on 67 of 114 loans
In FY2025 it approved 179 SBA 7(a) loans ($59.6 million); recent loans averaged $366,551. 504 volume is not in 7(a) data.
Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov)
Rockland Trust SBA rates and fees
Rockland Trust's median SBA starting rate was 7.0% on loans approved July 2025 to June 2026; it posts no rates, and Prime is 7.00% today. Express loans ran 8.75% (median), Preferred Lender loans 6.75%. Add the SBA guaranty fee: 3% of the guaranteed share on $150,001 to $700,000.
Worked example: a $350,000, 10-year Preferred Lender 7(a) at the 7.0% median rate costs $4,063.80 a month, or $137,655.61 in interest. The $7,875 guaranty fee lifts the APR to about 7.52%, under the SBA's 11.5% variable ceiling for this size.
Rockland Trust requirements
Rockland Trust publishes no credit, revenue or time-in-business minimum.
| Requirement | Rockland Trust minimum |
|---|---|
| Size | Small under SBA size standards |
| Credit score | Lender does not publish |
| Equity injection | 10%+ for startups and business purchases |
| Collateral / guarantee | Collateral on all 114 recent loans; guarantee from 20%+ owners |
See SBA 7(a) and SBA Express and SBA 504 lenders, or compare New England peer Liberty Bank and TD Bank.
Frequently asked questions about Rockland Trust
Is Rockland Trust Legit? Yes. Rockland Trust has operated since 1907, is FDIC-insured (cert 9712), held $24.97 billion in assets at June 30, 2026, and is an SBA Preferred Lender owned by Independent Bank Corp. SBA data shows zero charge-offs on its 624 7(a) loans since FY2020.
Does Rockland Trust Offer SBA Express Loans? Yes. SBA Express made up 50 of Rockland Trust's 114 SBA approvals in the year to June 2026, from $20,000 to $500,000, typically $100,000, at a median 8.75%. The bank underwrites Express term loans and lines itself, with flexible collateral guidelines and a streamlined application.
How Long Does Rockland Trust Take to Close an SBA Loan? Expect about 30 days for SBA Express and often 60 to 90 days to funding for a standard 7(a). As a Preferred Lender, Rockland Trust skips SBA review, but collateral and closing papers take time. Call the business line at 508-732-7078 to start.
Does Rockland Trust Lend to Startups? Yes. In the year to June 2026, 10 of its 114 SBA loans funded businesses not yet open and 23 more went to firms two years old or younger, 29% in all. Expect 10%+ equity, collateral and a personal guarantee.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Massachusetts and New Hampshire owners buying or growing a business with SBA financing.
Not for: Borrowers outside New England, or anyone needing an unsecured SBA loan or posted rates.
Lender List verdict: Rockland Trust approved 114 SBA 7(a) loans worth $41.8 million in the 12 months to June 2026 at a 7.0% median starting rate, and none of its 624 approvals since FY2020 has been charged off.
Rockland Trust at a glance
| Rockland Trust | |
|---|---|
| Lender type | FDIC-insured state bank (cert 9712); SBA Preferred Lender |
| Founded / HQ | 1907 / Rockland, Massachusetts |
| Products | SBA 7(a) up to $5 million, SBA Express up to $500,000, SBA 504 up to $5.5 million |
| Cost | 7.0% median starting rate (last 12 months) |
| Funding speed | About 30 days (Express) to 60 to 90 days (standard 7(a)) |
| Status | Active |
What is Rockland Trust?
Rockland Trust Bank (legal name Rockland Trust Company) is a Rockland, Massachusetts lender founded in 1907, with $24.97 billion in assets and 151 offices at June 30, 2026. It is the only bank owned by Independent Bank Corp. (NASDAQ: INDB).
How Rockland Trust SBA loans work
Rockland Trust made 50 SBA Express and 64 Preferred Lender 7(a) loans in the 12 months to June 2026, 42 of them revolving lines.
- SBA Express: typically $100,000, up to $500,000
- Standard 7(a): typically $269,600; the bank advertises up to $5 million
- Terms: 120 months on 67 of 114 loans
In FY2025 it approved 179 SBA 7(a) loans ($59.6 million); recent loans averaged $366,551. 504 volume is not in 7(a) data.
Source: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov)
Rockland Trust SBA rates and fees
Rockland Trust's median SBA starting rate was 7.0% on loans approved July 2025 to June 2026; it posts no rates, and Prime is 7.00% today. Express loans ran 8.75% (median), Preferred Lender loans 6.75%. Add the SBA guaranty fee: 3% of the guaranteed share on $150,001 to $700,000.
Worked example: a $350,000, 10-year Preferred Lender 7(a) at the 7.0% median rate costs $4,063.80 a month, or $137,655.61 in interest. The $7,875 guaranty fee lifts the APR to about 7.52%, under the SBA's 11.5% variable ceiling for this size.
Rockland Trust requirements
Rockland Trust publishes no credit, revenue or time-in-business minimum.
| Requirement | Rockland Trust minimum |
|---|---|
| Size | Small under SBA size standards |
| Credit score | Lender does not publish |
| Equity injection | 10%+ for startups and business purchases |
| Collateral / guarantee | Collateral on all 114 recent loans; guarantee from 20%+ owners |
See SBA 7(a) and SBA Express and SBA 504 lenders, or compare New England peer Liberty Bank and TD Bank.
Frequently asked questions about Rockland Trust
Is Rockland Trust Legit? Yes. Rockland Trust has operated since 1907, is FDIC-insured (cert 9712), held $24.97 billion in assets at June 30, 2026, and is an SBA Preferred Lender owned by Independent Bank Corp. SBA data shows zero charge-offs on its 624 7(a) loans since FY2020.
Does Rockland Trust Offer SBA Express Loans? Yes. SBA Express made up 50 of Rockland Trust's 114 SBA approvals in the year to June 2026, from $20,000 to $500,000, typically $100,000, at a median 8.75%. The bank underwrites Express term loans and lines itself, with flexible collateral guidelines and a streamlined application.
How Long Does Rockland Trust Take to Close an SBA Loan? Expect about 30 days for SBA Express and often 60 to 90 days to funding for a standard 7(a). As a Preferred Lender, Rockland Trust skips SBA review, but collateral and closing papers take time. Call the business line at 508-732-7078 to start.
Does Rockland Trust Lend to Startups? Yes. In the year to June 2026, 10 of its 114 SBA loans funded businesses not yet open and 23 more went to firms two years old or younger, 29% in all. Expect 10%+ equity, collateral and a personal guarantee.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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