Timberfield Financial is a licensed commercial business loan broker in Cambridge, MA, connecting businesses to SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, invoice factoring, and specialized funding, typically delivering term sheets in 24 to 72 hours. As a broker, we don't lend directly.
A business loan broker acts as your advocate, submitting your financing request to multiple lenders simultaneously while you focus on operations. We handle documentation, negotiate terms, and accelerate underwriting timelines. For Cambridge companies, whether a lab supplier in Cambridgeport or a café near Harvard Square, this approach cuts weeks off the clock. Instead of serial rejection letters, you receive parallel proposals and close faster.
Loan programs
Timberfield Financial brokers a full spectrum of commercial financing products. SBA 7(a) loans suit owner-occupied real estate purchases or business acquisitions, with repayment terms up to 25 years but underwriting that can stretch 45 to 90 days. Working capital loans fund payroll, inventory, or seasonal gaps, often closing within five business days. Equipment financing covers machinery, vehicles, or technology, with the asset itself securing the note and approvals in 48 hours. Commercial real estate loans finance property purchases or refinances along corridors like Broadway or near the Cambridge Crossing development. Business lines of credit provide revolving access for ongoing expenses, and invoice factoring converts outstanding receivables into same-week cash, critical for contractors serving municipal projects or university renovations.
Learn more about business funding options in Cambridge or explore our Service Areas across Somerville, Watertown, Medford, Belmont, Brookline, Charlestown, Newton, Chelsea, Malden, and Winchester.
Eligibility varies by program, but most lenders require at least six months in operation, a personal credit score above 600, and monthly revenue documentation. Small business loan brokers like Timberfield Financial work with startups, established firms, and even applicants previously declined by banks. Because we broker rather than underwrite, we can route light-credit profiles to alternative lenders and strong-credit applicants to traditional banks. Cambridge businesses in emerging sectors, think synthetic-biology incubators near MIT or clean-tech ventures in North Cambridge, benefit especially from this multi-channel approach.
How it works
Call (617) 545-7807 or visit our office at 1 Broadway, Cambridge, MA 02142 to begin. We collect three months of bank statements, a brief business overview, and your funding goal. Within one business day, we identify target lenders and submit. Most business lending broker engagements produce initial term sheets in 24 to 72 hours. Once you select an offer, the lender conducts final due diligence, title work for real estate, UCC searches for equipment, and wires funds. Total elapsed time ranges from three days for factoring to 60 days for SBA products.
If you need an SBA loan broker or equipment finance broker, our process remains identical: one intake, multiple proposals, fastest close.
Equipment financing
A pharmaceutical-testing lab in Kendall Square needed two mass spectrometers to fulfill a contract with a biotech tenant at 325 Binney Street. The equipment cost required immediate approval. We brokered an equipment-finance proposal overnight; the lender verified the vendor quote, appraised the machines, and funded within four business days. The lab installed the units and began billable work the same week.
What does a business loan broker charge? Brokers typically earn a commission from the lender upon closing, not an upfront fee from you. Timberfield Financial discloses all compensation structures before you sign, ensuring transparency and speed without surprise costs at closing.
Can a broker help if my bank already said no? Yes. Because we access dozens of lenders, including non-bank and alternative sources, a bank decline does not end your search. We reroute your application to lenders that prioritize cash flow, collateral, or industry rather than credit score alone.
Serving the Cambridge area
We know which lenders fund which kinds of Cambridge businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
