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Massachusetts · Small business funding

SBA 7(a) Loans in Massachusetts

Government-backed loans for Massachusetts small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
Massachusetts SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in Massachusetts

Win-Win Capital Funding arranges SBA 7(a) loans for Massachusetts businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

Massachusetts SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in Massachusetts

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in Massachusetts

  • Boston
  • Cambridge
  • Lowell
  • Springfield
  • Worcester

We also lend in suburban, rural and resort markets throughout Massachusetts.

More Massachusetts financing

Fix & flip loans in Massachusetts · Hard money in Massachusetts · RV park financing in Massachusetts · Business HELOC in Massachusetts · Business second mortgage in Massachusetts · DSCR Loans in Massachusetts · Bridge Loans in Massachusetts · Ground-Up Construction Loans in Massachusetts

Investors in nearby states can see SBA 7(a) Loans in New Hampshire, SBA 7(a) Loans in Vermont, SBA 7(a) Loans in New York, SBA 7(a) Loans in Connecticut, SBA 7(a) Loans in Rhode Island.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in Massachusetts: FAQ

Who qualifies for an SBA 7(a) loan in Massachusetts?

For-profit Massachusetts small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in Massachusetts?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a Massachusetts SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in Massachusetts with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

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