Business loans in Boston, Massachusetts

Business Loans in Boston, MA

One application reaches 70+ lenders who fund Boston businesses daily. $10K to $20M+. Soft-pull pre-qual.

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✓All established industries
$20M+
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Boston Market

Why Boston Businesses Choose Basecamp

Boston is a global center for healthcare and education. Mass General, Brigham and Women's, Dana-Farber Cancer Institute, and Beth Israel are among the best hospitals on earth. The Longwood Medical Area generates $35B+ in annual economic activity and employs over 100,000 people.

The Seaport District has transformed into an innovation hub — biotech companies, tech startups, and financial firms have moved in alongside nationally ranked restaurants and hotels. Logan Airport is New England's busiest, driving hospitality and tourism demand across the metro.

Boston is expensive. Commercial rents in the Seaport and Back Bay rival San Francisco and Manhattan. But the density of talent, institutions, and demand means businesses that can access capital fast enough to secure premium locations will thrive. The ones waiting on bank timelines will watch opportunities pass.

Real Results

Funded in Boston

Real financing scenarios for Boston businesses through our lender network.

🏢

Lab Space Acquisition

$5.8M acquisition of a biotech-ready lab space near Kendall Square. NNN tenant on 10-year lease. Capital stack: $3.8M SBA 504, $1.3M conventional, $700K buildout. DSCR: 1.62x.

$5.8M capital stack → Kendall area → 26 days

🍽️

Restaurant Group

$850K revenue-based capital stack for a Seaport District Boston restaurant group expansion: equipment financing for the kitchen buildout + working capital against the group's existing locations (see /loans/business-acquisition).

$850K funded → 23 days → Seaport live

🦷

Medical Practice

$2M revenue-based capital stack for a Brookline multi-provider practice acquisition: term loan against $4.2M annual revenue + equipment financing + working capital. Mass General referral network (see /loans/business-acquisition).

$2M funded → 10% down → Longwood corridor

🏗️

Construction Equipment

$3M construction equipment for a commercial GC working Seaport and Back Bay projects. Cranes, excavators, concrete equipment. Equipment financing at 10% down.

$3M funded → 10% down → fleet operational in 14 days

“Kendall Square lab space doesn't wait. We had 10 days to close on a $5.8M property with a biotech tenant locked in. Basecamp structured the capital stack and closed in 26 days. Three other buyers dropped out waiting on bank financing.”

— Commercial investor, Boston MA

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See What Boston Lenders Will Offer You

One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.

✓Soft-pull pre-qual
✓No obligation
✓Funded as fast as same day
✓70+ lenders compete for your business
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$10K$250K/mo$2M+

Estimated Approval Range

$250K – $375K

Based on 100-150% of monthly revenue

Soft-pull pre-qual · No obligation · Estimate only

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Industries We Fund

Top Industries in Boston

🦷

Healthcare

Mass General, Brigham, Dana-Farber, Beth Israel. The Longwood Medical Area is the densest healthcare ecosystem in America.

🍽️

Restaurants

Seaport, North End, South End, Cambridge — Boston's food scene is nationally ranked and restaurant groups are expanding.

🏗️

Construction

Seaport development, Back Bay, Fenway. $10B+ in active commercial construction projects.

⚖️

Attorneys

Boston is a top-10 US legal market. Corporate, biotech IP, healthcare, maritime, and real estate law.

🏭

Manufacturing

Biotech manufacturing and supply chain. Boston metro production facilities serve the life sciences ecosystem.

Market Data

Cost of Business in Boston

Key business cost metrics for Boston, MA.

CategoryBoston Data
Commercial Rent$45–$80/sq ft (office) · $15–$28/sq ft (industrial)
Average Wages$95,000 median household income
Permits & Licensing$3,000–$30,000+ depending on scope
Commercial Property Prices$500–$1,000/sq ft (commercial office)

Why Basecamp

Boston vs Going to a Bank

Here's why Boston business owners choose Basecamp over their local bank.

CategoryTraditional BankBasecamp Funding
Number of lenders1 bank, 1 answer70+ lenders compete for your business
Application time60–90 minutes in-branch60 seconds online
Time to funding45–90 daysSame day to 30 days
Capital availableLimited to bank's appetiteCapital stacks up to $20M+
Credit requirements700+ FICO typicalRevenue-focused — we evaluate total business performance
Specialist supportLoan officer managing 50+ filesDedicated specialist for your transaction
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Funding Built for Your Stage of Growth

Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.

🚀

Growing Businesses

$10K – $1M

Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.

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⭐

Established Businesses

$1M – $5M

Structured financing with capital stacking. Dedicated commercial specialist.

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💎

Commercial & Complex

$5M – $20M+

Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.

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Recommended Products

Best Loan Products for Boston Businesses

The most popular funding types for businesses in Boston. Each links to a detailed product page.

🏢 Commercial Real Estate

Boston's $4.2B CRE market is fiercely competitive. SBA 504 with 10% down for lab space and commercial acquisitions.

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📊 SBA Loans

Lowest rates for practice acquisitions and Seaport buildouts. 10% down for most transactions.

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🔧 Equipment Financing

Construction equipment, medical devices, biotech lab equipment — the asset is your collateral.

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💰 Working Capital

Bridge cash flow during rapid growth and new location launches. Fund in 1–3 days.

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FAQ

Frequently Asked Questions — Boston Business Loans

Boston Business Lending — From the Basecamp Team

Our team works with Boston business owners every day. The story is almost always the same — they're growing fast, a Seaport location or Kendall Square lab space has a deadline, and their bank is quoting 75 days. Boston's commercial real estate market is among the most competitive in America. When a $5.8M lab property has multiple bidders, you need capital structured and ready to close.

Here's what works in Boston: capital stacking. A $5.8M lab acquisition isn't one bank's problem — it's an SBA 504 for the building, conventional financing for the gap, and a buildout line for tenant improvements. For restaurant owners in the Seaport, revenue-based capital stacks get equipment, working capital, and tenant improvements into a premium location in 2–3 weeks. Check our loan cost calculator to see real numbers.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder, Basecamp Funding

Bobby Friel, Founder of Basecamp Funding

Nearby Markets

Other Massachusetts Cities We Serve

Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these Massachusetts metros.

📍 Cambridge

Cambridge is the biotech capital of the world. Kendall Square — within 2 miles of MIT — houses Moderna, Biogen, Vertex, ...

📍 Worcester

Worcester is the second largest city in New England and Massachusetts's manufacturing heartbeat. UMass Medical School an...

📍 Springfield

Springfield is western Massachusetts's largest city and economic hub. Healthcare is the dominant employer — Baystate Med...

📍 Newton-Wellesley

Newton and Wellesley are Boston's wealthiest western suburbs. Newton-Wellesley Hospital anchors the healthcare community...

📍 Quincy-South Shore

Quincy is a mid-size city south of Boston with a rapidly growing Asian-American business community. Restaurants, profess...

📍 Lowell-Lawrence

The Merrimack Valley — anchored by Lowell and Lawrence — has deep manufacturing roots. Textile mills gave way to advance...

📍 New Bedford-Fall River

New Bedford is the commercial fishing capital of the United States — $400M+ in annual catch value, the highest of any US...

📍 Cape Cod (Barnstable-Hyannis)

Cape Cod is one of America's premier tourism destinations — $1.5B+ in annual tourism revenue. But the economy has extrem...

📍 Framingham-Natick

Framingham and Natick anchor the MetroWest corridor — a tech and commercial region west of Boston. Bose Corporation is h...

🏢 Need Commercial Financing Above $1M?

For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.

Explore Commercial Financing →
← Back to Massachusetts Business Loans

Boston Businesses Don't Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds