Community Lending & Capital Access

Dorchester Bay loans build strong businesses. We provide capital to start, sustain, and grow your business.

We lend capital to small businesses in Dorchester, Roxbury, Mattapan, Hyde Park, Jamaica Plain, and Roslindale, with flexible payment terms to meet your business needs.

Loan Options

Dorchester Bay Neighborhood
Loan Fund*

Loan amounts from
$3,000-$250,000

Competitive Interest Rates

No Prepayment Penalties

Loan Term is 1-5 Years

Rapid Resilience Loan*

Loan amounts from
$5,000-$15,000

6-7% interest rate

From 2-5 years term

Personal Guarantee Required

Our Impact

in Small Business Loans
$ 0 M+
jobs created and retained
0 +
businesses received technical assistance in 2025
0
Small Business Administration of Massachusetts logo

Named 2019 SBA Microlending Intermediary of the year

Green Checkerboard Pattern Strip

Testimonials

Our Team

  • David Arriola
    David Arriola
    Director of Community Lending
  • Brenda Bobadilla
    Brenda Bobadilla
    Credit Officer and Portfolio Manager
  • Brittany Reid
    Brittany Reid
    Senior Loan Officer
  • Natalia Dotel Villegas
    Natalia Dotel Villegas
    Community Outreach Coordinator

Certified Community Development Financial Institution

Dorchester Bay is a Community Development Finance Institution (CDFI) certified by the US Treasury, and a Small Business Administration (SBA) Microlender. Our small business work is part of our broader mission to create and sustain wealth and jobs for individuals and families living in Boston.

Civil Rights and Equal Opportunity Disclaimer

In accordance with federal law and U.S. Department of the Treasury policy, Dorchester Bay is prohibited from discriminating based on race, color, national origin, sex, age, or disability.

To submit a complaint of discrimination, contact the Department of the Treasury using one of the following methods:

David Arriola
Director of Community Lending

David is a results-driven lending professional whose career has been anchored by a steadfast belief: that meaningful community relationships are the foundation of lasting financial change. This conviction has not only shaped his professional path but has driven him to pursue work that creates real, measurable impact in the communities he serves.

Over the course of his career, David has built deep expertise across small business finance, commercial lending, and private wealth management. His work has consistently centered on one goal, improving access to capital, particularly for individuals and businesses in underserved markets who have long faced systemic barriers to financial opportunity. What sets David apart is the breadth of environments in which he has applied this expertise. With experience spanning the private sector, DC local government, and the federal government, he has developed a nuanced, well-rounded understanding of the financial systems that shape economic mobility and community development.

This diverse foundation has positioned David as a trusted bridge between traditional financial institutions and the small businesses that often struggle to access them. His work across Washington D.C., Virginia, Maryland, Texas, and Chicago has been defined by a talent for identifying collaborative opportunities, connecting lenders, businesses, and community organizations in ways that produce more inclusive and accessible lending ecosystems. It is in this work that David found his true calling.

Looking ahead, his mission remains as focused as ever: to continuously refine lending processes, deepen access to capital, and ensure that underserved communities are active participants ant not afterthoughts of the financial systems designed to support them. David envisions a future where technology and innovation work hand in hand with genuine human connection to build a more equitable financial landscape, one where businesses of all sizes and backgrounds can access the resources they need to grow and thrive.

David is energized by the road ahead and remains deeply committed to doing the work that makes financial opportunity a reality for all.

Brenda Bobadilla
Credit Officer and Portfolio Manager

Brenda works to provide clients with loans, grants, and technical assistance. Brenda is bilingual and worked for two small businesses in California before joining Dorchester Bay. Brenda started as in admin here at Dorchester Bay back in 2017 and transitioned into small business in 2018. She attended Cambridge College for her Business Development Certification and also participated in the NALCAB Pete Garcia Community Economic Development Fellowship and got her certificate.

[email protected]
617-533-9578

Brittany Reid
Senior Loan Officer

[email protected]

Natalia Dotel Villegas
Community Outreach Coordinator

Natalia Dotel Villegas is a professional working in the field of community economic development and small business advisory, providing support to entrepreneurs in Boston. Her passion is to strengthen local businesses and promote inclusive economic growth.

Natalia is originally from San Juan de la Maguana, Dominican Republic. Academically, she holds a Bachelor’s degree in Business Administration from Pontificia Universidad Católica Madre y Maestra (PUCMM) and a Master’s degree in Marketing Management from Universidad APEC. She brings a strong background in the banking sector, with experience in credit analysis, financial planning, loan structuring, sales culture, and customer service leadership.

Natalia has experience in both the private sector and nonprofit organizations focused on community economic development, providing strategic guidance, technical assistance, and access to capital support to small businesses.

In her work, she combines technical expertise with a human centered approach, helping entrepreneurs transform their ideas into strong and sustainable business structures. Her commitment is centered on generating real impact, creating economic opportunities, and strengthening Boston’s local business ecosystem while working with integrity, accessibility, and a results-driven vision.

[email protected] | 617-829-2064

Loading...