CDFI Loans for New England Businesses

U.S. Treasury-Certified CDFI Serving New England

Capital That Builds Communities

Loans from $50,000 to $5 million for minority-owned businesses and companies that strengthen low-to-moderate income communities across New England. Mission-driven financing from an affiliate of BDC Capital.

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Our Programs

COMPANY INTRODUCTION

BDC Community Capital Corp. is a not-for-profit, U.S. Treasury-certified Community Development Financial Institution (CDFI). As an affiliate of BDC Capital, America's oldest business development corporation, we provide capital, education, and technical assistance to minority-owned businesses and businesses that expand low-to-moderate income employment across New England, delivering customized solutions that create jobs and support growth in economically disadvantaged communities.

$50K

to $5M loan range

New England states served

CDFI

U.S. Treasury-certified

Founded 2021

Affiliate of BDC Capital

Our Programs

Mission-driven financing for the businesses that build our communities

Asset-Based Lines of Credit

$500,000 to $5 million in revolving credit secured by accounts receivable and inventory.

Term Loans

$50,000 to $5 million in senior or secondary debt for working capital, equipment, real estate, acquisitions, and debt restructuring.

Mezzanine Investment

$1 million to $5 million in subordinated capital for growth, acquisitions, and ownership transitions.

Invoice Financing

Debt-free working capital through our LSQ partnership. Turn open invoices into cash with advance rates up to 90%.

WHY BDC COMMUNITY CAPITAL

More than a lender. A mission.

CDFI Mission

We exist to direct capital where it has the most impact. Minority-owned businesses and companies that create jobs in LMI communities are at the center of everything we do.

Flexible Underwriting

We work with businesses that may not fit conventional bank credit boxes. Higher advance rates, longer terms, and creative structures are on the table.

More Than Capital

Beyond financing, we provide education and technical assistance to help our borrowers build durable businesses and strong balance sheets.

Partnership Network

We work alongside banks, credit unions, and economic development partners across New England. We coordinate with your bank rather than replace it.

Empowering New England's underserved businesses to reach their full potential

Whether you are scaling, acquiring, restructuring, or simply running into a financing wall that your bank cannot solve alone, BDC Community Capital builds a plan around your business and your impact. Our team works alongside you and your existing lenders to make sure the financing fits.

About BDC Community Capital

Testimonial

“We exist to put capital where it can do the most good. Minority-owned businesses and companies that create jobs in low-to-moderate income communities deserve a lender that understands their context and is built for their mission. That is what we do, every day.”

Karim Hill, President, BDC Community Capital Corp.

Testimonial

“BDC Community Capital understood what we were trying to build and provided the financing to make it possible. They are a real partner — not just a lender.”

New England Business Owner

Minority-Owned Business, Massachusetts

Testimonial

“Access to capital from a lender that actually understands community impact made all the difference for our growth. BDC Community Capital delivered when others could not.”

New England Business Owner

LMI-Impact Business, Connecticut

COMPREHENSIVE FINANCING SOLUTIONS

The full BDC Community Capital toolkit

Term Loans

$50,000 to $5 million. Senior or secondary debt for any reasonable business purpose.

Asset-Based Lines of Credit

Revolving credit up to $5 million secured by AR and inventory.

Mezzanine Investment

$1 million to $5 million in subordinated capital.

Invoice Financing

Debt-free working capital via our LSQ partnership.

SBA 504 Term Loans

Long-term, fixed-rate financing for real estate and equipment through CDC New England.

Partner Programs

MA Capital Access Program, MA Recycling Loan Fund, and RI SSBCI participations through our BDC and RI Capital affiliates.

Frequently asked questions

What is a CDFI?

A Community Development Financial Institution is a specialized mission-driven lender certified by the U.S. Department of the Treasury. CDFIs serve markets that traditional financial institutions often cannot reach, including minority-owned businesses and low-to-moderate income communities.

Who qualifies for BDC Community Capital financing?

Minority-owned businesses, and businesses that are located in or impact low-to-moderate income (LMI) communities anywhere in the six New England states.

What size loans does BDC Community Capital offer?

From $50,000 up to $5 million depending on the program and structure.

How does BDC Community Capital work with my existing bank?

We participate alongside your bank or structure standalone financing. Your bank can keep treasury services, deposits, and the primary relationship while we provide the gap piece.

What states does BDC Community Capital serve?

All six New England states: Massachusetts, Connecticut, Rhode Island, New Hampshire, Vermont, and Maine.

Is BDC Community Capital part of BDC Capital?

Yes. We are a not-for-profit affiliate of BDC Capital, the oldest business development corporation in the United States, founded in 2021.

Mission-driven financing for the businesses that build our communities

More than a lender. A mission.

Empowering New England's underserved businesses to reach their full potential

“We exist to put capital where it can do the most good. Minority-owned businesses and companies that create jobs in low-to-moderate income communities deserve a lender that understands their context and is built for their mission. That is what we do, every day.”

“BDC Community Capital understood what we were trying to build and provided the financing to make it possible. They are a real partner — not just a lender.”

“Access to capital from a lender that actually understands community impact made all the difference for our growth. BDC Community Capital delivered when others could not.”

The full BDC Community Capital toolkit

Frequently asked questions

Mission-driven capital for the New England businesses that need it most.