44 Business Capital, a direct small business lending division of Berkshire Bank, provides SBA Loans to Small Businesses.Small businesses are defined as companies with less than $5MM in net profit and less than $15MM in net worth. Our market area includes Philadelphia, Eastern/Central Pennsylvania, New Jersey, Delaware, Baltimore MD, Northern VA, Washington DC, Connecticut, New York, Massachusetts, and Vermont. Our clients include, but are not limited to manufacturers, restaurants, professional services, retailers, wholesalers/distributors, healthcare professionals. With terms up to 25 years and fully amortizing (i.e. no call or balloon provisions), these SBA loans provide long-term certainty in an uncertain economic environment. Member FDIC Equal Housing Lender