Loan Programs

A Full Suite of Financing of Mission-Driven Financing
Term loans, lines of credit, mezzanine investment, invoice financing, and partner programs. We build the right mix of conventional bank financing and CDFI capital for your situation.
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company INTRODUCTION
BDC Community Capital offers an extensive range of products designed to meet the real financing needs of minority-owned businesses and companies that strengthen LMI communities. We provide senior debt, subordinated debt, mezzanine, and equity options that can be customized to your needs. We work with any lender to find the right mix of conventional bank financing and a CDFI loan or investment. Our financing typically offers higher advance rates and longer terms than a regulated bank is allowed to offer, and we can work with businesses that have a collateral shortfall, uneven earnings, or high leverage due to growth.
Our Programs

What we offer

Term Loans
$50,000 to $5 million. Senior or secondary debt for working capital, equipment, real estate, acquisitions, and debt restructuring.
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Asset-Based Lines of Credit
$500,000 to $5 million. Revolving credit secured by accounts receivable and inventory.
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Mezzanine Investment
$1 million to $5 million. Subordinated capital for growth, acquisitions, and ownership transitions.
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Invoice Financing
Debt-free working capital through our LSQ partnership. Turn open invoices into cash.
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SBA 504 Term Loans
Long-term, fixed-rate financing for owner-occupied real estate and major equipment through our affiliate, CDC New England.
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Partner Programs
Massachusetts Capital Access Program, Massachusetts Recycling Loan Fund, and Rhode Island SSBCI participations through our BDC and RI Capital affiliates.
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FUNDING USES

Built around the way your business actually grows

Working Capital
Machinery and Equipment
Real Estate Acquisition
Business Acquisition and Expansion
Debt Restructuring
Long-Term Early Maturity Loan Program
WHY RI CAPITAL

More than

a lender

Mission-Driven Capital

Capital is directed where it has the most community impact. Minority-owned businesses and LMI-impact companies are the focus.

Customized Structures

No required formulas or fixed advance rates. Every loan and investment is built around the specifics of the business.

Bank Partnership Model

We coordinate with your primary lender so your bank can keep treasury services, deposits, and the lead relationship.

Backed by BDC Capital

Affiliated with America's oldest business development corporation, with more than 70 years of New England lending experience.

Not sure which program fits?

Our business development officers are a phone call away to guide you through the options.

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781-928-1100
BDC Community Capital is an affiliate of BDC Capital.
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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.