For Local HVAC Contractor, Sandy Spring Bank’s Industry Knowledge and Customer Service Are Unmatched

Altantic Coastal Cooling and Heating Ellen Carmen and James Carmen
Atlantic Coastal Cooling and Heating, Inc. (ACCH) is a family-owned, full-service HVAC contractor servicing Montgomery County and its surrounding areas. After working for his father’s HVAC company, James (Jamie) Carmen founded ACCH in 2003. Partnering with his wife Ellen in 2014, the company has since grown from just three employees to 17 people with more than 60 years of combined HVAC experience. The Carmens began their relationship with Sandy Spring Bank in 2018 after receiving a recommendation from their accountant. At the time, they needed to obtain a loan to form an LLC and purchase an additional building. Sandy Spring Bank listened closely and was able to provide a loan structured to meet all the Carmens needs. They have been working with the Bank ever since.
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Sandy Spring Bank Helps Real Estate Firm Secure $110M in Refinancing, Fueling Growth on the East Coast.

Daniel Klein. Klein Enterprises.
Klein Enterprises is a Baltimore-based, diversified commercial real estate firm. Opening its first retail center in 1948, this family-run business now has 4.5 million square feet of residential and commercial properties along the East Coast. With close to a $1 billion real estate portfolio, Daniel Klein, president of Klein Enterprises, needed a lender that could meet the company’s unique requirements.
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For Kinsale Management Group, Sandy Spring Bank is Vital to the Company’s Growth

Kinsale Management Group Sandy Spring Bank
Kinsale Management Group provides professional services and strategic leadership to architecture, engineering, and construction firms, including MidAtlantic Contracting, Pro Power & Electric, and Z Con. With these four businesses all falling under the Kinsale Management Group umbrella, CEO Fred Chandler knew he needed a bank that could provide sound financial guidance along with flexibility.
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