Private Credit & Business Lending in Boston, MA
Boston has the densest concentration of healthcare, biotech-services, and higher-ed-driven business in the country. Tzortzis Capital structures private credit, ESOP, real estate, and merchant processing solutions for Greater Boston owners across the I-95 / Route 128 / I-495 corridors.
Tzortzis Capital arranges capital placements for Boston businesses, including working capital, lines of credit, equipment loans and business acquisition capital. Programs have different eligibility and diligence requirements; location alone does not determine terms or closing speed.
Get funded in Boston
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation
Match the capital structure to the business need.
Tzortzis Capital evaluates and arranges capital placements. Independent capital providers determine eligibility, pricing, documentation and closing timing. Published ranges are indicative, not approvals or commitments.
The Boston Market in 2026
Greater Boston's mid-market is sophisticated and sponsor-heavy. Healthcare rollups (physician groups, dental, specialty MSOs), biotech and life sciences services, and advanced manufacturing drive most of the deal flow — and most still rely on regional banks that have tightened materially since 2024.
The CRE refinancing wall is acute in the Boston metro. Office is well documented, but R&D, lab-conversion, and mixed-use assets are also seeing aggressive bank repricing. Bridge debt is absorbing much of the demand.
We focus on what banks aren't moving on at speed: bridge-to-perm CRE, healthcare acquisition capital, ESOP transitions, and ABL for advanced manufacturers. Most engagements close in one to two weeks.
Why Boston Businesses Are Getting Turned Down by Banks
Greater Boston's healthcare, life-sciences-adjacent services, and professional services base produces consistent capital demand that local and regional banks no longer reliably serve at speed. Practice rollups and partner buy-ins are the sharpest pain cases.
Industries We Specialize In Around Boston
Dedicated capital solutions for the sectors where Boston operators most consistently outgrow bank capacity.
Healthcare Practice in Boston
Greater Boston healthcare practices — specialty medical, dental, vet — regularly exceed SBA goodwill financing limits.
View healthcare detailsProfessional Services in Boston
Boston law, accounting, and financial-services firms drive persistent partner buy-in and acquisition capital demand banks underprice.
View professional-services detailsReal Estate Investor in Boston
Greater Boston multifamily and mixed-use sponsors face maturity demand regional banks have visibly pulled back from.
View real-estate detailsRecent Capital Activity in Boston
Recent Greater Boston engagements include a healthcare practice acquisition, a professional-services partner buy-out, and a multifamily acquisition bridge. Standard close: 2–3 weeks.
Capital Solutions We Provide in Boston
Private Credit
Term loans, lines of credit, business bridge and equipment loan placement.
Learn MoreESOP & Succession
Tax-advantaged ownership transitions for closely-held businesses.
Learn MoreCommercial Real Estate
Acquisition, construction, and bridge financing.
Learn MoreMerchant Processing
Payment processing, pricing review and statement audits.
Learn MoreFunding Solutions in Boston
Deep-dives into the four capital structures Boston operators use most — sizing, use cases, and typical close timing for each.
Working Capital in Boston
AR- and cash-flow-based facilities for Boston operators bridging pay cycles, payroll, and growth spend.
See working capital detailsEquipment Financing in Boston
Ownership loans for new and used equipment for Boston businesses.
See equipment financing detailsBridge Loans in Boston
Fast-close bridge capital for Boston acquisitions, recaps, and value-add executions.
See bridge loans detailsLines of Credit in Boston
Revolving lines of credit for Boston operators — AR-based borrowing bases, no bank template.
See lines of credit detailsIndustries We Serve in Boston
- Industry-agnostic — we evaluate opportunities across all sectors
- Healthcare practices & MSO rollups
- Biotech & life sciences services
- Advanced manufacturing
- Professional services
- Construction & specialty trades
What to Expect
A clear path from first call to funded.
Intake & Fit Call
30-minute call to understand the business, the use of capital, and the timeline.
Term Sheet
Within days of receiving financials, we bring back a written term sheet with structure, pricing, and conditions.
Diligence & Documentation
Streamlined diligence in parallel with legal documentation. We coordinate directly with your accountant and counsel.
Close & Fund
Independent capital providers complete their review and documentation. Timing depends on the product and remaining conditions.
Also Serving the Greater Massachusetts Region
In-person diligence and meetings available across these submarkets.
Frequently Asked Questions
Talk to a Boston Capital Advisor
Tell us about your business and what you're trying to accomplish. We'll respond within 24-48 hours.
Explore your capital options
Tell us what you need, your timeline, and the context behind your transaction.
- A review of your business and capital needs
- Placement options aligned with your transaction
- A clear conversation about the next steps
Opens a short inquiry form · No obligation