Home | BDC Capital

4.9/5 from over 600 reviews

Financing Solutions for Growing New England Businesses

Customized Capital from $500,000 to $10 Million - Bridging the Gap Between Traditional Financing and Business Needs.

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INTRODUCTION

BDC Capital is the oldest business development corporation in the United States, providing innovative financing solutions for New England businesses since 1953. As a private company working with lenders and investors, we've invested over $2.5 billion in more than 8,300 companies, creating customized financing plans when traditional bank lending falls short.

$2.5B +

Invested in New England businesses.

73 Years

Of proven lending experience.

8,300 +

Success rate in achieving improvements.

100 +

Financial institution partnerships.

OuR SERVICES

Results-driven financing

Asset-Based Lines of Credit

$500,000 to $10 million secured by accounts receivable and inventory, providing working capital flexibility when you need it most.

Term Loans

Flexible financing for equipment, real estate, business acquisitions, and working capital to fuel your growth.

Mezzanine Financing

$1 million to $7 million+ for expansion and growth initiatives without diluting your ownership or giving up control.

Cash Flow Loans

$1 million to $7 million+ for expansion and growth initiatives without diluting your ownership or giving up control.

Bridging the gap between your vision and growth

WHY BDC Capital

More Than Just Financing

Private & Flexible

Not regulated like a bank, allows us to offer flexible underwriting standards tailored to your unique business situation.

Local Decision-Making

Quick approvals with decisions made right here in New England by experts who understand the regional market.

Complex Situations Welcome

We specialize in solutions for classified loans, workouts, and situations where traditional lenders say no.

Proven Partnership Network

Collaborating with 100+ financial institutions across New England to structure the right financing solution for you.

Empowering New England businesses to reach their full potential

Whether you’re looking to optimize your existing operations or explore new growth opportunities, BDC Capital offers the guidance and tools to help you succeed. Our team works alongside you, ensuring that every step of your journey is clear and results-driven.

About Us

QUOTE

"At BDC Capital, we're more than just a lender—we're a partner invested in your success. For over 70 years, we've been helping New England businesses bridge their capital gaps with creative financing solutions and genuine care for the communities we serve."

- Paul Flynn Jr. | President & CEO, BDC Capital

Comprehensive Financing Solutions

Driving sustained business growth

Asset-Based Lines of Credit

Access $500,000 to $10 million in revolving credit secured by your accounts receivable and inventory, providing the working capital flexibility growing businesses need.

Equipment + Real Estate Loans

Finance the hard assets your business needs with competitive term loans designed for long-term investments in your company's infrastructure.

Cash Flow Loans

When your business earnings tell the story, BDC Capital provides term loans from $500,000 to $10 million based on your cash flow and debt service capacity—not just collateral.

Mezzanine Loans

Bridge the equity gap with $1 million to $7 million+ in subordinated debt financing, perfect for acquisitions, buyouts, and significant growth initiatives.

Massachusetts Capital Access Program

Leverage cash collateral guarantees to secure traditional bank financing, reducing risk for lenders and opening doors for your business.

Massachusetts Recycling Loan Fund

Specialized financing for Massachusetts businesses in the recycling industry, supporting sustainable business practices with tailored loan products.

Rhode Island Capital Access Program

Access guaranteed financing solutions through Rhode Island's CAP program, making credit more accessible for qualified businesses.

Rhode Island SSBCI

The RI SSBCI program provides competitively priced loans from $100,000 to $3 million by partnering with financial institutions to reduce lender risk while offering Rhode Island businesses attractive financing terms with lower down payments.

Frequently asked questions

What types of financing does BDC Capital offer?

We provide Asset-Based Lines of Credit ($500,000 to $10 million), Term Loans for equipment and real estate, Mezzanine Financing ($1 million to $7 million), and state-specific Capital Access Programs in Massachusetts and Rhode Island. We also offer specialized Recycling Loan Fund financing for Massachusetts recycling businesses.

How is BDC Capital different from traditional banks?

As a private business development corporation, we're not regulated like a bank, giving us more flexibility in underwriting standards. We specialize in gap financing and complex situations where traditional banks may decline. Our decisions are made locally by New England lending experts.

What regions does BDC Capital serve?

We serve all of New England, including Massachusetts, Rhode Island, Connecticut, Vermont, New Hampshire, and Maine. Our team has deep expertise in the regional business landscape and maintains relationships with 100+ financial institutions across the region.

What are the typical loan amounts and terms?

Our financing ranges from $500,000 to $10 million for asset-based lines of credit, with mezzanine financing available from $1 million to $7 million or more. Terms vary based on the financing type and your specific business needs, with flexible structures designed around your cash flow.

Can BDC Capital help with classified loans or workout situations?

Yes. We specialize in providing solutions for businesses facing challenges with existing lenders. Our experience includes restructuring classified loans and creating workout solutions that help businesses stabilize and grow.

How quickly can BDC Capital make a lending decision?

With local decision-making authority and 72 years of experience, we move efficiently through the underwriting process. Timeline varies by complexity, but our team prioritizes responsive service and works to meet your business timeline needs.

What is Rhode Island's SSBCI program?

The State Small Business Credit Initiative (SSBCI) enables Rhode Island businesses with fewer than 500 employees to obtain participating loans from $100,000 to $3 million. By partnering with financial institutions and reducing lender risk, the program provides competitive terms and lower down payments while creating and retaining jobs in Rhode Island.

Turn growth opportunities into reality

Partner with New England's most experienced business development lender

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(781) 928-1100

Harbor Consulting Group, Inc. is a registered company in the United States, operating under California, USA (Registration No. CA-987654). The company is authorized and regulated by the California Department of Business and Professional Regulation in accordance with the Business Consulting Services Act, License No. BC-123456. All consulting services provided by Harbor Consulting adhere to state and federal regulations, ensuring compliance and ethical business practices.