# Small Business Loans in Massachusetts

> Massachusetts runs one of the most innovation-dense economies on earth, from the Cambridge biotech labs of Kendall Square to the universities, hospitals, and asset managers of Greater Boston. Beyond the city, Worcester and Springfield add healthcare, manufacturing, and education. Hoss Capital matches Massachusetts owners in Boston, Worcester, and Springfield with partners that lend statewide.

## Key takeaways
- Massachusetts has not enacted a commercial financing disclosure law as of 2026, but Chapter 93A's unfair-and-deceptive-practices statute applies to business transactions and allows up to treble damages and attorney's fees.
- The innovation-dense economy is anchored by the Cambridge/Boston biotech and pharmaceutical cluster, higher education, healthcare, technology, and asset management.
- The SBA Massachusetts District Office in Boston serves the entire state.

## Funding the Massachusetts economy

Few places concentrate as much research, capital, and talent as Massachusetts.
Kendall Square in Cambridge is widely regarded as the densest biotech cluster in
the world, fed by MIT, Harvard, and a constant stream of pharmaceutical and
life-science startups. Greater Boston layers on major hospital systems, a large
financial-services and asset-management industry, and a deep technology base.
West of the city, Worcester has become a biomanufacturing and healthcare hub, and
Springfield anchors precision manufacturing and healthcare in the Pioneer Valley.

### Industries we fund across Massachusetts

- **Life sciences & biotech** — equipment financing and working capital for labs,
  CDMOs, and suppliers around Cambridge, Boston, and Worcester.
- **Healthcare** — practice financing and build-outs across the Boston metro and
  the Springfield region.
- **Restaurants & hospitality** — working capital and revenue-based financing to
  manage high rents and tight margins in dense, expensive markets.
- **Professional & technical services** — short-term working capital for the
  state's large base of consulting, engineering, and software firms.
- **Advanced manufacturing** — equipment loans for precision and defense-related
  shops in central and western Massachusetts.

### What the rules mean for you

Massachusetts has **not** enacted a commercial financing disclosure law, so there
is no state-mandated standardized cost disclosure on merchant cash advances or
other business financing. That said, Chapter 93A — the state's unfair and
deceptive practices statute — applies to business transactions and gives owners
real leverage against misleading terms, including potential multiple damages and
attorney's fees. The burden is still on you to compare offers: look closely at
the factor rate, total repayment, holdback percentage, and fees before signing.
Hoss Capital only works with partners who present these terms transparently.

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Canonical: https://hoss-capital.pages.dev/locations/massachusetts/

Sources:
- https://www.sba.gov/district/massachusetts
- https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93A
- https://www.venable.com/insights/publications/2026/03/state-commercial-financing-disclosure-laws
- https://themcaguide.com/articles/mca-laws-massachusetts