.svg)
Access financing with reduced collateral requirements through our Capital Access Programs in Massachusetts and Rhode Island. These state-backed programs help businesses secure loans that might not qualify under traditional underwriting.
Cash collateral guarantees reduce lender risk, allowing businesses to qualify for financing with less traditional collateral than banks typically require.
Working with matching state funds means lower overall costs while providing meaningful credit enhancement that makes your loan bankable.
Our 72 years of lending experience means we process CAP applications efficiently and work closely with participating lenders throughout New England.
.png){kind=icon}
.png){kind=icon}
Because the cash collateral guarantee reduces lender risk, banks can approve loans for businesses that might not meet traditional underwriting standards due to limited operating history, thin collateral, or other factors.
CAP guarantees can be used for working capital, equipment purchases, commercial real estate acquisition, inventory financing, business expansion, and virtually any reasonable business purpose your lender approves.
.png){kind=icon}
Everything stays between you and your bank—they negotiate all loan terms, pricing, and guaranty premiums directly. We simply provide the credit enhancement that makes the loan work.
.png){kind=icon}
With minimum 3% enrollment fees matched by state funds, CAP provides credit enhancement at a fraction of the cost of other guarantee programs or alternative lenders.
.png){kind=icon}
Banks use their own forms, underwriting standards, and closing procedures. There's no additional bureaucratic approval process—once your bank commits, they fund the loan on their timeline.