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Commercial Real Estate Lending

Dime Bank's dedicated commercial lending team specializes in customizing financing solutions for a diverse range of real estate needs. Whether owner-occupied, investor real estate, or construction, we provide the local expertise and flexible terms you need to succeed.

Dime Bank's commercial real estate lending comes with local expertise

When considering your business expansion or next real estate investment, our commercial lenders work with you to go well beyond the basics by combining deep local market insights with a big-picture strategic approach. We'll take the time to understand both where your project stands today and your long-term vision, providing the hands-on expertise only a true community partner can offer.

Investor Real Estate

Lock in our flexible financing for your next real estate investment. 

Owner-Occupied Real Estate

Stop paying rent and start building equity with commercial mortgages designed for business owners ready to purchase and occupy their own professional space.

Construction & Development

Get the financing you need to support ground-up construction, expansion, or renovation projects.

Commercial Lenders

Brian McNamara
Senior VP, Chief Lending Officer
Chris Gauthier
FVP, Commercial Lending Manager
Celeste Brouillard
VP, Senior Commercial Loan Officer
John Estelle
VP, Senior Commercial Loan Officer
William Rosadini
VP, Senior Commercial Loan Officer
Gerald R. Tavernier, Jr.
VP, Senior Commercial Loan Officer
Cindy Palmer
Assistant VP, Commercial Loan Officer
Denise Ogden
Assistant VP, Commercial Loan Officer
Matthew Voelker
Assistant VP, Commercial Loan Officer

Frequently asked questions

Qualifying for a multifamily loan in high-demand markets like Greater Hartford, the Connecticut Shoreline, or Southern RI primarily depends on the property’s Debt-Service Coverage Ratio (DSCR) and your investment experience. We look for a DSCR typically above 1.20x. Because we understand the local rental nuances of our community and marketplace, we can often provide more flexible terms for 5+ unit apartment buildings than larger, out-of-state lenders.

Yes, we specialize in SBA 504 lending for businesses looking to expand. This program is ideal for ground-up construction or major renovations, offering up to 90% financing. By partnering with local Certified Development Companies (CDCs), we help CT and RI small businesses lock in long-term, fixed-rate financing for their growth projects.

Absolutely. Self-storage financing is a core part of our commercial portfolio. We provide acquisition and construction loans for storage facilities in communities across Connecticut and Rhode Island. Our local experts understand the specific zoning and market demand for climate-controlled storage, drive up, or hybrid facilities, ensuring a smoother approval process.

Unlike national banks, our commercial loan decisions are made locally, which significantly accelerates the timeline. Typically, you can expect a term sheet within 3 to 5 business days and a full closing in 60 days, depending on the appraisal and transaction specifics. This speed is a major advantage for investors and businesses looking to move quickly on competitive real estate opportunities.

OUTGROWING YOUR CURRENT SPACE?
A few ways to know it might be time to expand.

Need more room for operations or growth

Considering a new location or facility

Want a space designed around your business

Take the next step. →
A new space could be closer than you think.

Where real experiences build real confidence

From everyday banking to big decisions, our customers share what it’s like to work with us.

I always have a great experience at this bank! The staff is friendly and really takes the time to help with any questions I have. Plus, the drive-thru is super convenient.

Susan Y.

If you want top level service from a community bank then look no further. The staff is amazing, experienced, friendly and always willing to go the extra mile, even without being asked. Great mortgage department for residential and commercial loans.

Alexander G.
Mortgage Loans