BDC Capital Programs at a Glance

When conventional bank lending isn't quite enough to get your business to the next level, where do you turn?

For businesses across New England, the answer is often BDC Capital. As a private, non-bank finance company, we aren’t bound by the same rigid regulatory constraints as traditional commercial banks. This allows us to offer flexible underwriting, creative gap financing, and local decision-making to complete your capital structure.

Whether you need to scale operations, stabilize cash flow, or fund a major acquisition, we have a solution. Here is a quick guide to BDC Capital’s core programs at a glance.

Core Financing Programs ($750K to $10M+)

Our primary lending suites are built to handle complex situations, large expansions, and asset-backed needs.

1. Asset-Based Lines of Credit

• Best For: Companies with strong accounts receivable and inventory but tight cash flow.
• How it works: We turn your working assets into a revolving line of credit up to $10 million, offering more flexible borrowing bases than traditional banks.

2. Flexible Term Loans

• Best For: Equipment purchases, debt refinancing, and real estate acquisition.
• How it works: We offer longer repayment terms and higher advance rates on collateral than traditional lenders, positioning ourselves as either a primary lender or a junior secured partner.

3. Cash Flow & Leveraged Loans

• Best For: Asset-light companies, professional services, tech firms, or M&A transactions.
• How it works: Instead of looking strictly at hard collateral, we lend up to $10 million based on your enterprise value, consistent cash flow generation, and management strength.

4. Mezzanine Financing

• Best For: Established, profitable companies seeking growth capital or financing a buyout.
• How it works: We provide junior, subordinated capital ($1 million to $7 million+) that bridges the gap between senior debt and equity—allowing business owners to expand without diluting their ownership control.

State-Specific & Specialized Programs

In addition to our core commercial lending, BDC Capital administers unique, state-backed programs designed to reduce risk for local banks and open doors for smaller enterprises.‍


• Capital Access Programs (CAP): Operating in Massachusetts (up to $500,000) and Rhode Island (up to $750,000), these programs provide cash collateral guarantees to local banks, prompting them to approve loans they might otherwise decline.
• Rhode Island SSBCI Loans: Partnering with local banks and credit unions, this program provides participating loans from $100,000 to $3 million for businesses with fewer than 500 employees, lowering down payment barriers.
• Massachusetts Recycling Loan Fund (RLF): Targeted direct loans from $50,000 to $500,000 explicitly for solid waste recycling or re-use businesses in Massachusetts looking to upgrade equipment or expand operations.

Why Partner with BDC Capital?

We aren't just another source of debt; we are a structural partner to both New England businesses and the commercial banking community.

The BDC Advantage: We specialize in "the gap." If your bank can only fund 70% of what you need, or if you are navigating a complex corporate transition, we step in to complete the puzzle. With over 70 years of regional experience, our local decision-making team moves at the speed of your business.

Find Your Funding Match

Every business journey is unique, and your capital structure should reflect that. If you are ready to explore how one of these programs can fuel your next phase of growth, let’s talk.

• Are you an entrepreneur? Contact our lending team to discuss your project.
• Are you a commercial banker? Let us help you protect your client relationship by bridging a financing gap.

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