44 Advantage   |   Leadership   |   History   |   Careers

About 44 | Headquartered in PA, SBA Loans Nationwide

For over 20 years, the principals of our company have been providing financing solutions to hundreds of businesses in a variety of industries. 44 Business Capital, a direct small business lending division of Berkshire Bank, originates SBA loans to businesses nationwide. Our SBA loan program is specifically designed for businesses with financing needs up to $5 million. Our commitment is to make the financing process as simple and expedient as possible. We value our ability to work as a team and to give our clients the best possible service they deserve.

About Berkshire Bank | America’s Most Exciting Bank®

Berkshire Bank is recognized for its entrepreneurial approach, relationship customer experience, distinctive culture and embracing and celebrating the diversity of all customers, employees and suppliers - as its commitment to diversity continues to grow. With $13.9 billion in assets, Berkshire provides business and consumer banking, mortgage, wealth management, investment and insurance services through 132 branch offices throughout New York, Connecticut, Vermont, New Jersey, Pennsylvania, Rhode Island and Massachusetts, including Commerce Bank, a division of Berkshire Bank. Berkshire Hills Bancorp (NYSE: BHLB) is the parent of Berkshire Bank. Berkshire Bank was named one of Massachusetts' Most Charitable Companies by the Boston Business Journal in 2018. To learn more, visit www.berkshirebank.com.

Insurance products are provided by Berkshire Insurance Group, Inc., a Berkshire Bank affiliate, and in New York by Berkshire Insurance Agency, a registered trade name for Berkshire Insurance Group, Inc., a Berkshire Bank affiliate: Insurance and investment products are not FDIC-insured, are not a bank deposit, “NOT guaranteed BY THE BANK,” “NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY” and may lose value.

The 44 Advantage

44 Business Capital leverages its experience with the US Small Business Administration's 7 (a) loan program to provide debt refinancing/restructuring, real estate and business acquisitions. Regardless of you or your client's financing need, the 44 Advantage provides financing with terms that are not available through traditional banking.

  • When dealing with 44 you get access to the decision makers
  • Quick response
  • No loan covenants
  • Lending to companies who don't qualify for conventional bank financing


Today, 44 Business Capital's mission is to be the highest volume SBA lender in all of our target markets by providing fast, sensible financing solutions to small businesses that cannot get traditional bank financing.

Our lending team is made up of experienced and dedicated professionals who are customer focused and responsive.


The 44 Advantage…

  • Access to the Decision Makers
  • Speed to Decision
  • No Loan Covenants

Our Clients…

  • Refinance existing debt
  • Purchase commercial real estate
  • Expand or purchase a business
  • Invest in new machinery & equipment
  • Improve company cash flow
  • Preserve Countless Jobs