Term Loans
Senior or Secondary Debt for Any Reasonable Business Purpose
$50,000 to $5 million in custom-designed term loans for minority-owned and LMI-impact businesses across New England. Flexible structures sourced from our member banks.
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Term Loans
Term loans are sized and structured to support minority-owned businesses and companies creating jobs in LMI communities.
Senior debt when we are primary, or junior secured debt that works alongside your bank.
We typically offer structures that a regulated bank is not allowed to offer on its own.
We coordinate with your primary lender so your bank can keep treasury services and the lead relationship.
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BDC Community Capital can structure loan participations where all principal payments go to the bank until the bank's participation is paid in full. During that period, the CDFI receives interest-only payments. This program allows banks to offer longer terms while the CDFI absorbs more of the back-end risk, opening up financing options that would otherwise be unavailable to your borrower.
We learn your business, capital structure, and what the term loan needs to accomplish.
We evaluate cash flow, collateral, and structure options, and coordinate with your existing bank where applicable.
Once approved, we issue a detailed commitment letter outlining the proposed terms.
We move efficiently to close and fund, with clear communication throughout.
