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Contributing time, talent and connections to those they believe in.

At Sage Bank we believe that we accomplish more when we work together.  That’s why we provide all of our Sage Bank business banking customers with experienced business banking partners.  Working directly with both a Business Development Officer and a Commercial Lending Officer, you will have all the resources needed to unlock the full potential of your business.





Elkin Montoya 2

Elkin Montoya

Business Development Officer
Elkin Montoya’s energy and genuine desire to help his customers has made him many lasting  relationships. His personal and professional knowledge and network of contacts in the area of community development extends beyond the Merrimack Valley. Elkin prides himself on being a financial resource to all his customers – past and present – and is an invaluable ally for potential small business customers who are looking for education and direction in starting a new business. In addition to expertise in Business Development, Elkin Montoya offers his Business Banking Customers the additional benefit of his experience in Residential Lending.  He is a licensed mortgage originator with over 20 years in the mortgage industry.

Elkin brings a level of dedication to community service that is unsurpassed at Sage Bank. Since 2007, Elkin has served as President of the Coalition for a Better Acre Montoya. He chairs the Board of the Friends of Lowell Community Charter Public School and is a Member of the Board of Directors for the Boys & Girls Club of Greater Lowell, the Lowell Rotary Club, the Cultural Organization of Lowell, and Mill City Community Investments.

Elkin is a long-time resident of Lowell and is fluent in Spanish. You can reach him at (978) 322-7058, or