(617) 203-8011
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Licensed loan broker
No impact to credit
Boston, MA · Funding in 24 hours
Business Loans & Funding in Boston, MA
Lume Loans helps Greater Boston businesses get approved for working capital, SBA loans, lines of credit and equipment financing, from $5K to $5M. Same-day review, transparent terms, real local experts.
4.9 · 1,284 reviews
Licensed loan broker
No impact to credit
0+
Businesses Funded
$1.2B
Total Funding Delivered
0%
Approval Rate
0+
Years of Experience
Financing Programs
38 ways to fund your Boston business
From same-day working capital to SBA 7(a) and industry-specific programs, explore the full marketplace and let our advisors match you with the right offer.
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Boston Business Financing Insights
Boston Business Financing InsightsBusiness loans Boston owners actually use to grow
From Back Bay storefronts to Seaport tech firms and Cambridge biotech labs, Lume Loans helps Greater Boston operators access the right capital, small business loans Boston banks often pass on, plus SBA programs, a flexible business line of credit Boston companies use for seasonal swings, equipment financing, working capital, invoice factoring, MCAs and commercial real estate funding. One conversation, 38 programs, real offers.
Market Strength
A resilient, lender-friendly economy
Greater Boston is anchored by healthcare, higher education, biotech, financial services and a fast-growing tech sector. Lenders price business funding Boston deals competitively because the market is deep and diversified, which means better rates and longer terms for qualified local borrowers.
Programs We Fund
All 38 financing programs under one roof
SBA 7(a), 504 and Express, working capital, business line of credit Boston operators rely on, equipment financing, invoice factoring, MCAs, revenue-based funding, commercial real estate, startup loans and industry programs for restaurants, healthcare, trucking, retail and manufacturing.
Lender Landscape
One of the most active SBA districts in the U.S.
Massachusetts has a deep bench of SBA-preferred lenders, regional banks and CDFIs serving every neighborhood. We shop your file across 75+ partners so you compare real, side-by-side small business loans Boston offers, not a single take-it-or-leave-it quote.
By the Numbers
Greater Boston at a glance
- 165K+
- Small businesses in MA
- $1.2B+
- Funded by Lume Loans
- 38
- Loan programs available
- 24hr
- Avg. decision time
Service Areas We Fund
Cambridge Somerville Brookline Quincy Newton Dorchester Back Bay Charlestown Medford Waltham
CambridgeSimple Process
From call to funded in 4 steps
No long forms, no runaround. A single conversation gets you real offers.
STEP 01
Call Us
Speak with a Boston funding advisor in minutes. No bots, no runaround.
STEP 02
Same Day Review
We review your business and shop your file across 75+ trusted lenders.
STEP 03
Compare Offers
See real, side-by-side funding offers with clear terms.
STEP 04
Get Funded
Choose your offer and receive funds in your account, often within 24 hours.
Talk to a Boston funding advisor
Ready to fund your next move?
Get a same-day review and real funding offers tailored to your business. No obligation, no impact to your credit.
Mon-Sat · 8am-7pm EST · Average call time: 6 minutes
Greater Boston
Funding Boston neighborhoods & beyond
We work with business owners across Greater Boston, from Back Bay storefronts to Waltham tech firms. Local expertise, real relationships, faster funding.
Headquartered in Downtown Boston
Reviews
Boston business owners trust us
4.9 average from 1,284 reviews
"We needed equipment fast before the holiday rush. Lume Loans approved us in 24 hours and the rate was better than our bank. Game changer."
Maria Alvarez
Owner · Beacon Hill Bakery
"Our SBA loan closed in 32 days. The team handled the paperwork and kept us informed every step. Truly the best lender experience we've had."
James O'Connor
Managing Partner · Charles River Auto
"I'm a first-time owner and the team walked me through every option. We funded the build-out and opened on schedule."
Priya Shah
Founder · Cambridge Med Spa
Frequently Asked
Call (617) 203-8011Boston business loan questions, answered
Call Lume Loans at (617) 203-8011 or apply online. We review your last 3 months of business bank statements and basic business info. Most Boston applicants receive funding offers within 24 hours and funds in 1-3 business days for working capital, or 30-45 days for SBA programs.
Boston has a strong mix of national banks, regional banks, credit unions, SBA lenders and online providers. Lume Loans partners with 75+ lenders so you can compare real offers in one place, including SBA 7(a), lines of credit, equipment financing, and revenue-based funding tailored to your industry.
Boston businesses can access SBA loans, working capital, lines of credit, equipment financing, invoice factoring, merchant cash advances, revenue-based financing, commercial real estate loans, and industry-specific programs for restaurants, healthcare, trucking, retail, manufacturing and more.
Funding ranges from $5,000 to $5,000,000+ depending on the program, your revenue, time in business and credit profile. Most Boston small businesses with 6+ months of operating history qualify for at least $25,000 in working capital.
Yes. We have startup loan programs for businesses under 24 months old, including SBA Microloans, equipment financing and revenue-based options. Personal credit and business plan strength matter more for early-stage funding.
For most programs: 3 months of business bank statements, a valid ID, business EIN, and basic business info. SBA loans require additional documentation (tax returns, financials, business plan). We guide you through every step.
Why Lume Loans
The funding partner Boston businesses keep coming back to
We're not a faceless online lender. We're a Boston team that knows your industry, shops your file across 75+ lenders, and stays accountable from application to funded.
Same-Day Review
Submit before noon and get a same-business-day funding decision from a real human.
75+ Lender Network
One application unlocks competing offers, banks, SBA, online lenders and specialty programs.
Boston Local Experts
We know the neighborhoods, industries and challenges of Greater Boston businesses.
Top-Rated Service
4.9★ from 1,200+ business owners. Transparent terms, no junk fees, no surprises.
