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Alternative Finance Program

The Massachusetts Alternative Finance Program improves the independence and quality of life of residents with disabilities through loan opportunities specifically for assistive technology devices and services. Individuals with disabilities and family members are encouraged to apply.

Supported By MassAbility

Overview

On January 18, 2005, the first application for the Massachusetts Alternative Finance Program was processed. Since that date, the program has approved thousands of loans totaling over $20,000,000! Early contributors to the program include Jason Luciano, Karen Langley, Steve Higgins, and Jennifer Buxton. In 2019, Easterseals Massachusetts, in partnership with MassAbility, formerly the Massachusetts Rehabilitation Commission, received a federal grant to begin a new Mini Loan program. The Mini Loan program is designed to target those individuals who would not be approved by a typical bank. 

The goal of the Massachusetts Alternative Finance Program is to provide equal opportunities for people with disabilities to live more independently. Many different items are considered assistive technology, including:

  • Hearing Aids
  • Computers
  • Flashing doorbells
  • Electric wheelchairs or scooters
  • Adapted vehicles
  • Home modifications such as portable ramps or stair lifts. 

Our staff can answer loan questions and guide potential applicants to the loan program that best matches their specific needs. Contact us today for more information. 

The Massachusetts Alternative Finance Program is operated by Easterseals Massachusetts and funded by state and federal grants to MassAbility.

Our Reach & Impact

  • $20
    million total loaned since the program started in 2005.
  • 1,300
    Long-Term Device Loans since 2009.
  • $185,000
    No-interest Mini Loans to purchase Assistive Technology items less than $4,000, such as hearing aids.

Our Programs

Please find our three loan programs below.

  • Woman in wheelchair on ramp of modified van

    Financial Loan Program

    Provides low-interest loans greater than $4,000 for the purchase of assistive technology products and services.
  • Woman smiling at camera holding AAC device

    Long Term Device Loan Program

    Provides free long-term loans of assistive technology devices valued at less than $500 to financially eligible individuals and families.
  • Deaf child wearing hearing aid learning how to sign

    Mini Loan Program

    Provides zero-interest loans of $100 to $4,000 for the purchase of assistive technology products and services.

Our Stories

Read the stories of people who have utilized our Alternative Finance Program.

See All Stories
  • A person stands beside shelves filled with stacked textbooks in a bookstore, holding several books while working in the textbook area. Labels and inventory slips are visible on the shelves, with additional boxed books in the background.

    A Job That Fits: Patrick Finds Confidence at Work

    Patrick knew he would thrive in a structured, low‑pressure workplace where attention to detail is an asset. With support from Easterseals Massachusetts’ job development services through a MassAbility referral, he found the right role, the right accommodations, and a team that values his strengths, helping him feel confident, supported, and set up for long‑term success.
  • A person using a power wheelchair holds a microphone while seated indoors at the base of a wide marble staircase. The person wears a cap and glasses, and a water bottle and mobile device are mounted on the wheelchair.

    More Than a Loan: How Access and Trust Helped Manny Build a Future

    After a life‑changing injury, Manny knew independence would require the right tools and the right support. With help from Easterseals Massachusetts’ Alternative Finance Program, he gained access to an adaptive vehicle that opened doors to his community, his business, and a future built on purpose, dignity, and opportunity.
  • A graduate wearing a mortarboard cap and gown holds a diploma folder from Greenfield Community College while standing outdoors among other graduates.

    Support That Makes a Difference: Sylvie’s College Navigator Story

    Navigating college with an invisible learning disability came with real challenges, but Sylvie never stopped pushing forward. With consistent support through Easterseals Massachusetts’ College Navigator Program, she built the skills, confidence, and routines needed to graduate, pursue her passions, and continue thriving in higher education.

Resources

Find resources related to our Alternative Finance Program below.

See All Resources
  • ESMA Alternative Finance logo
    Massachusetts Alternative Finance Program

    Massachusetts Alternative Finance Program Eligibility

    The financial loan program provides low-interest loans of $2,000 or more for the purchase of assistive technology products and services. Most items defined as assistive technology are allowed.
  • people using assistive technology
    Massachusetts Alternative Finance Program

    Massachusetts Alternative Finance FAQs

    Explore our Frequently Asked Questions to learn how the Massachusetts Alternative Finance Program can help you or your loved ones access affordable funding for assistive technology, adaptive devices, and more.

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