Business Funding & Small Business Loan Alternatives in Boston

Boston runs on biotech and life sciences, world-class hospitals and universities, finance, and tourism, with a dense small business base from the Seaport to the Longwood Medical Area and across the suburbs. Y Millennial Funding provides revenue-based business funding to Boston businesses doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we approve on revenue and deposit strength rather than credit score alone, so an established business with steady deposits can be evaluated regardless of personal credit history. We deliver same-day decisions for eligible applications and can fund within 24 to 72 hours of a signed agreement. Funding is structured as a merchant cash advance — not a loan — so remittance scales with deposits rather than locking in a fixed monthly payment while you wait on insurer reimbursement, a progress draw, or a slow off-season. We also offer business lines of credit and equipment financing, both directly and through our referral network. Not all applicants qualify.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.