Business loan options in Massachusetts when the bank says no

Banks decline good businesses every day, and the reason often has nothing to do with you: concentration limits, a credit box that changed last quarter, a loan officer who cannot get an exception through committee.

Here is where Massachusetts businesses actually get financed after a no:

If you own real estate, the building can carry the loan. Property-secured financing looks past a rough year on the P&L because the collateral and its income do the underwriting. This is our core business: multifamily, mixed-use, industrial, and commercial property from $500K to $10M.

If you need equipment, equipment financing secures the loan with the machine itself. Approvals run on the equipment and basic credit, not on a full underwriting of the business.

If you need working capital, there are term lenders, lines of credit, and revenue-based options beyond the bank. Costs vary enormously — this is the category where reading the terms matters most.

If you want an SBA loan, specific lenders do them well and quickly, and the right one depends on your industry and size.

We arrange the property-secured loans ourselves. For the rest, we place you with a lending partner who does that product all day — it costs you nothing to be pointed at the right desk. Tell us what you need.