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Carol Brennan (CT, MA) 413-237-6648
Field Rider (NH, VT) 207-773-3104
Nancy Gibeau (RI, MA) 508-254-7891
Carol Fleit Cipriani 781-928-1100 x 104
Senior or Secondary Debt for Any
Reasonable Business Purpose
BDC Capital, a private company operating throughout Massachusetts, provides direct term loans to bridge the gap between financial
needs and conventional bank financing. Loans ranging from
$500,000 to $2 million may be either senior debt or secondary
to a primary financing arrangement.
They may be used for any reasonable business purpose. Our
funds are sourced from our member banks.
Working Capital. When growth, new product introductions, expanded markets or high levels of capital expenditures dictate that some resources be allocated for the future, financing in the form of long-term working capital loans may be required to cover current and ongoing expenses. BDC Capital, in conjunction with your primary lender, can help to accommodate such requirements.
Machinery and Equipment. BDC Capital offers direct loans for machinery and equipment
purchases when a higher advance rate on the collateral or
a longer term is required. We can provide both senior and/or
secondary debt in structuring a financing package that can
improve cash flow and the balance sheet.
Real Estate. BDC Capital offers an array of loans for real estate acquisition
or construction, up to 100% financing with preferred rates,
maturities up to 25 years, first or second mortgage loans,
participations with your primary lender and real estate loans
with "early out" protection
for your bank. See the " New England Certified SBA 504
Loans" insert for further details.
Mergers and Acquisitions. BDC Capital has been involved in many
acquisitions as well as leveraged and management buyouts.
We bring experience and creativity to these transactions,
in addition to the all-important final piece of the financing
package.
Debt Restructuring. Change is an integral part of business — needs expand,
goals are refocused, or previous financing sources are outgrown.
Change in debt structure may improve the potential of a company.
BDC Capital can provide both expertise and refinancing for
current or long-term debt.
BDC Capital Long-Term Early Maturity Loan Program. BDC Capital can structure loan participations whereby all the principal payments are paid to the bank until the bank's participation is paid in full. During this period, BDC Capital receives "interest only" payments. This program allows banks to offer longer terms, with BDC Capital absorbing more "back end" risk.
SBA 7(a) Guarantees. As an SBA Preferred Lender, BDC Capital may include an SBA
7(a) guaranty on a loan.
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TERM LOANS