MSBDC Network

 
   

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Financial Resources

Having sufficient financial resources to support your business may make the difference between the success and failure of your business. 

The Western Regional Office can help you negotiate the financial challenges faced by start-up and expanding businesses. The SBDC does not provide financing. We work with banks and other lending organizations (both conventional and non-conventional sources) to assist in putting together financial projections, but the actual financing comes from outside sources. The SBDC can also assist with assembling financial statements, preparing loan applications and securing the best financing options for your business.

Financial Resources Listing
This financial resources listing has been compiled by the Western Massachusetts Regional SBDC. It is intended for general information only and is not comprehensive.

New England Trade Adjustment Assistance Center (NETAAC)
600 Suffolk Street, 5th Floor North
Lowell, MA 01854
Tel. (978) 446-9870   Fax (978) 446-9870

NETAAC helps Massachusetts manufacturers who are hurt by import competition by providing them with consulting services at reduced costs. This program is administered by the U.S. Department of Commerce. Under this program the federal government will pay up to seventy-five percent of the cost of projects, including (but not limited to): ISO 9000 certification and training; export assistance; market studies; sales organization development or improvement; creative services for promotional literature; industrial engineering; plant layout and work-flow improvements; energy surveys; and development of cost systems.

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U.S. Department of Agriculture (USDA)
Rural Development
451 West Street, Suite 2 
Amherst, MA 01002
Tel. (413) 253-4300  Fax (413) 253-7068
David H. Tuttle, State Director
Contact: Community and Business Programs Division
Tel. (413) 253-4300   fax (413) 253-4347

USDA Farm Service Agency (FSA)
445 West Street
Amherst, MA 01002
Sandra Adams, MA State Director
Contact: Farm Loan Division
Tel. (413) 253-4500   fax (413) 253-4540

The U.S. Department of Agriculture provides business financial assistance through direct lending and loan guarantee programs. Business applicants must be located in rural areas. Agricultural loan inquiries should be made to FSA; all other types of business ventures should contact Rural Development. Program delivery is through Service Centers at multiple locations. Check for the Center nearest you for information.

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U.S. Small Business Administration (SBA)
Enterprise Center
1 Federal Street
Springfield, MA 01105-1222
Tel. (413) 785-0484

The SBA administers various programs that provide financial and management assistance to small businesses. The agency's most active programs include the following:

  • 7(a) Loan Guarantee Program. The SBA can guarantee up to 85% percent of loans of $150,000 and less, and up to 75% percent of loans up to $2 million. In most cases, the maximum guaranty is $1,500,000. Loans can be used for the purchase, expansion or renovation of land or buildings, the purchase of equipment or inventory, working capital needs and, in certain circumstances, refinancing of existing debt.
  • SBA Express. The SBA Express loan program is an expedited loan program where the SBA lenders uses mostly its own forms, documents and procedures and in exchange receives a lower SBA guaranty - 50%. Approvals under this program are provided within 36 hours of submission to SBA. Loan sizes are up to $350,000.
  • 504 Certified Development Company Program. Through this program the SBA provides financing to businesses through "certified development companies" (corporations established to contribute to the economic development of their community or region). Projects financed under this program generally include a loan from a private lender covering up to 50% of the project costs and a second loan from a certified development company (guaranteed by the SBA). This program enables growing businesses to secure long-term, fixed-rate financing for major fixed assets such as purchase and improvement of land, the construction or renovation of facilities, or the purchase of new or used machinery and equipment.

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Bay Colony Development Corporation (BCDC)
Reservoir Place
1601 Trapelo Road
Waltham, MA 02451
Tel. (781) 891-3594 or (888) 355-6663   Fax (781) 647-4950
Contact: David King, Director

BCDC is one of the state's largest providers of Section 504 fixed asset financing. A non-profit corporation, BCDC works with banks and small to medium sized firms to provide 90% financing for the acquisition and/or expansion of real estate and equipment. Historically, projects have ranged in size between $400,000 and $5,000,000.

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Commonwealth Corporation (formerly the Corporation for Business, Work and Learning)
The Schrafft Center
529 Main Street, Suite 110
Boston, MA 02129
Tel. (617) 727-8158 or (800) 439-0183
Fax (617) 242-7660
Contact: Jonathan P. Raymond, President

The Commonwealth Corporation provides economic and work force development services to the Commonwealth of Massachusetts. The Corporation offers management consulting and creative financing services to companies ready to turn around their financial situations. Their Entrepreneurial Group supports dislocated workers in the development, start-up and management of business ventures as a viable alternative to traditional employment situations. The Corporation's loan fund is specifically designed to provide credit enhancement and gap financing to assist banks and other lenders by offering loan guarantees or direct loans to Massachusetts value-added companies. Services to companies include financing assistance and customized management counseling in the areas of financial restructuring, energy efficiency, environmentally sound operations, marketing strategy and work force development and training.

Economic Stabilization Trust (The Trust)
Contact: Ed Hitchcock, Lending Officer, Western Massachusetts
Tel. (617) 727-8158 ext. 2305

The Trust provides financial consulting, working capital, term loans, lines of credit, contract lines of credit and guarantees to small and medium-sized manufacturing firms. Originally, it was created to help mature industries adjust to contemporary manufacturing trends; its mission has expanded to providing gap financing to high-value added firms impacted by economic change including turnarounds, implementing employee ownership, defense diversification, and rapid growth. The loan fund has a capital base of approximately $13 million, which is a combination of direct appropriations from the Commonwealth and grants from the Economic Development Administration of the U.S. Department of Commerce.

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Community Economic Development Assistance Corporation (CEDAC)
18 Tremont Street, Suite 1020
Boston, MA 02108
Tel. (617) 727-5944   Fax (617) 727-5990
email: cedac@cedac.org
Contact: Michael Gondek, Executive Director

CEDAC is a quasi-public corporation established to promote the development of community-based, non-profit development organizations in Massachusetts to benefit low and moderate-income neighborhoods and communities. CEDAC provides professional expertise and equity capital in the form of traditional loans for the predevelopment costs of real estate projects.

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The Business Development Company/New England Certified
500 Edgewater Drive, Suite 555
Wakefield, MA 01880
Tel. (781) 928-1100    Fax (781) 928-1101
Contact: Carol Brennan, Director of Business Development

The Business Development Company provides loans to businesses in Massachusetts that are unable to obtain financing from conventional lenders. It also provides loans to companies that need supplemental financing to make conventional debt work. These loans may be used for working capital purposes, the acquisition of real estate, machinery or equipment, mergers and acquisitions, or debt restructuring. The loans range in size from $50,000 to $1 million and can be structured with longer loan terms and more aggressive collateral advance rates than conventional bank loans. The Business Development Company  is also a SBA "premiere certified lender" for 7(a) guarantees, in the event that the borrower's collateral is insufficient to support the desired amount of financing.

  • Community Investment specializes in direct financing and technical assistance to minority-owned and woman-owned businesses, non-profit groups, and businesses that employ a predominately minority work force, or demonstrate that its operations have a direct positive impact on economically disadvantaged areas. Proceeds from loans granted under this program can be used for working capital, the acquisition of machinery, equipment or real estate or any other viable business or community development purpose. Loans range in size from $50,000 to $2,000,000.
     
  • MassCertified Development Corporation (MassCertified), an affiliate of the Business Development Company, offers the popular SBA 504 program to businesses statewide. MassCertified is the only Premier Certified Lender (PCL) in the Commonwealth offering express approval to qualified businesses as well as streamlined service.

Proceeds of SBA 504 loans can be used for the purchase of land and buildings and new construction; for renovation and leasehold improvements; as well as the acquisition of machinery and equipment. The SBA 504 program offers fixed rate financing for up to 20 years on 40% of the project. Up to 90% of the project can be financed. Viable projects can range from $500,000 to $5,000,000. An eligible business must be for profit, have a net worth of $6,000,000 or less; and have an average net profit over the last two fiscal years of less than $2 million.

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Massachusetts Capital Resource Company (MCRC)
The Berkeley
420 Boylston Street
Boston, MA 02116
Tel. (617) 536-3900    Fax (617) 536-7930
Contact: William J. Torpey, Jr., President

MCRC was formed by the Massachusetts-based life insurance industry in 1977 in response to a study of the region's economy produced for the Massachusetts Task Force for Economic Development. MCRC is a private company that promotes economic development by providing growth capital to established local businesses throughout the Commonwealth.

When formed in 1977, the concept of a private company acting as a geographically focused investment fund was new and unproven. Over the past twenty years, our unique approach to community-based investing has produced outstanding results. Over this period, MCRC has invested approximately $400 million in 219 companies located in 98 communities resulting in the creation of over 15,000 jobs.

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Massachusetts Community Development Finance Corporation (CDFC)
155 Federal Street, Suite 202
Boston, MA 02110
Tel. (617) 523-6262    Fax (617) 523-7676
email: fgrose@mcdfc.com
Contact: Andres J. Lopez, President

CDFC is a quasi-public investment corporation that provides financing for small businesses, real estate projects, and community development programs in low and moderate income communities of Massachusetts. As an economic development organization, CDFC requires that projects meet CDFC's investment standards, and assist in the creation of jobs, business opportunities, affordable housing, or development of the local business district. CDFC offers the following programs: 

  • Venture Fund
  • Real Estate Fund
  • CDC Working Capital Fund
  • Urban Initiative Fund (UIF)
  • Minority/Women's Contractor Bond Fund
  • Commonwealth Enterprise Fund, Inc. (CEF)
  • Contractor Working Capital Loan Program (CWCL)

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Massachusetts Department of Housing and Community Development (MDHCD)
100 Cambridge Street, Room 300
Boston, MA 02114
Tel. (617) 537-1100
Contact: Ken Spicer, Associate Director

MDHCD administers programs that provide economic assistance to businesses engaged in economic development projects.

  • Massachusetts Community Capital Fund (MCCF)
    MCCF provides debt financing to for-profit and non-profit businesses that provide significant employment opportunities in eligible Massachusetts municipalities. Municipalities apply for MCCF funds on behalf of the local business or non-profit. If approved, DHCD awards a grant to the community that, in turn, lends funds to the borrower. MCCF loan rates and terms are flexible and based on the needs of each borrower. The three major criteria for funding are: 1) financial need, 2) job creation/retention for low and moderate-income persons, and 3) credit-worthiness of the borrower. MCCF funds up to one-third of a total capital project. Loan size ranges from $100,000-$490,000. Financing can be provided for purchase of capital equipment, working capital, acquisition of real estate, new construction or rehabilitation, and in some cases refinancing. 
  • Section 108 Loan Program
    This program is designed to promote infrastructure development and business expansion. Under this program a municipality must apply for and administer the loan to a business borrower. The State guarantees the loan while actual funding is provided through the sale of bonds by the federal Department of Housing and Urban Development (HUD). The State will guarantee up to 40% of the total project costs with maximum guarantees ranging from $500,000 to $5,000,000.

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Massachusetts Technology Development Corporation (MTDC)
40 Broad Street, Suite 818
Boston, MA 02109 
Tel. (617) 723-4920   Fax (617) 723-5983
Contact: Robert J. Crowley, President 

MTDC was established by the Commonwealth of Massachusetts to provide venture capital for the start-up and expansion of early stage technology companies. MTDC is a publicly funded but independently operated venture capital organization. MTDC makes equity investments, usually in the form of a direct purchase of common or preferred stock. All MTDC investments are made as part of a joint venture with conventional private sector investors.

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MassDevelopment
160 Federal Street
Boston, MA 02110
Tel. (617) 451-2477 or (800) 445-8030   Fax (617) 451-3429
Contact: Robert Culver, President/CEO

Western Mass Regional Office
1441 Main Street 
Springfield, MA 01103
Tel. (413) 731-8848   Fax (413) 755-1349 

MassDevelopment functions as the Commonwealth's financing tool for building businesses and communities. It is able to fortify Massachusetts' diverse industries through the use of predevelopment assistance funds, tax-exempt and taxable bonds, tax-exempt lease/purchase financing programs, emerging technology programs, export finance funds and direct loan/guaranty programs.

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Agawam Small Business Assistance Center
Community Shops
1325 Springfield 
Feeding Hills, MA 01030 
Tel. (413) 786-0172
or (413) 786-0173

Provides counseling services for any size business or support services to individuals who are considering starting a business. Services include assistance in working on business plans, enhancing marketing efforts and identifying possible funding sources, as well as providing financial counseling.

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Berkshire Enterprises
1 Fenn Street, Suite 301 
Pittsfield, MA 01201
Tel. (413) 448-2755
email: berkent@berkshire.net
Contact: Steve Fogel, Program Director

Aids, encourages, trains, nurtures, and advises entrepreneurs in the development, start-up, and management of their businesses.

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Chicopee Development Incentive Program (CDIP)
Chicopee Office of Community Development
38 Center Street, PO Box 149
Chicopee, MA 01014-0149
Tel. (413) 594-1490
Contact: Jeanne Kidwell, Director

The CDIP is a loan program created to increase small business growth and industrial/manufacturing programs. It is a government-run program with low interest rates. The loan fund was put together to assist growth of small businesses. The loan is to help create better job opportunities for low to moderate income workers.

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Holyoke Industrial Development Loan Program (HIDP)
City of Holyoke
Office of Economic and Industrial Development
1 Court Plaza
Holyoke, MA 01040
Tel. (413) 322-5655  Fax (413) 534-2299
email: oeid@ci.holyoke.ma.us
Contact: Kathleen Anderson, Director

The HIDP is available to assist expanding local manufacturers and to help new-to-Holyoke companies meet their capital requirements. Blending the below-market rates of the HIDP with private financing creates the opportunity for qualified businesses to locate or expand in Holyoke. Eligible projects include: land acquisition and development, expansion and construction projects, and manufacturing equipment purchase.

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Technology Technical Assistance Program (TTAP)
Affiliated Chambers of Commerce of Greater Springfield, Inc.
1441 Main Street 
Springfield, MA 01103-1449
Tel. (413) 787-1555    Fax (413) 731-85
Contact: Russell Denver, President
Debra Boronski, Senior Vice President

The Technology Technical Assistance Program (TTAP) is designed to assist existing small businesses located in the City of Springfield with their technological upgrades. The Chamber will provide grants of up to $5,000 to assist businesses by contracting with qualified vendors to help recipients with their technological upgrades, to assist in expanding their product line or employee base, or to provide better customer service to clientele. The program is a collaboration between the Affiliated Chambers of Commerce Greater Springfield and the City of Springfield's Office of Community Development. 

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Western Massachusetts Enterprise Fund (WMEF)
4 Open Square Way, Suite 407
Holyoke, MA 01040
Tel. (413) 420-0183   Fax (413) 420-0543
Contact: Laurie Arruda, larruda@wmef.org
Christopher Sikes, Executive Director

WMEF was created to provide grants, loans and advisory support to its member CDCs' revolving loan funds in order to increase their capacity to invest technical assistance and capital in lower-income and minority businesses.

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Accion USA
56 Roland Street, Suite 300
Boston, MA 02121
Tel. (617) 625-7080    Fax: (617) 625-7020 (fax)
Email: info@accionusa.org

A non-profit organization, helps entrepreneurs of limited means through: business loans $500 to $25,000; hands-on assistance with the loan application process; and networking and business education opportunities.

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Long River Ventures
100 Venture Way, Suite 4
Hadley, MA 01035
Tel. (413) 587-2159   Fax (413) 587-2156
Contact: Tripp Peake, Manager and General Partner

Long River Ventures is an early stage venture capital firm that typically invests in a mix of seed, start-up, and more advanced early stage companies. They primarily invest in information technology and healthcare, as well as other products and services enhanced by technology and innovation including business services, environmental technologies and consumer product and services.

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Longmeadow Capital Partners, LLC
171 Dwight Road, Suite 310
Longmeadow, MA 01106
Tel. (413) 567-3366   Fax (413) 567-6556
Email: info@longmeadowcapital.com
Contact: Richard Steele, Managing Partner

Longmeadow Capital Partners provides risk capital and transactional support to facilitate the following types of transactions for privately held middle market companies: growth financing; sale, divestiture or spin-off; management buyouts; generational transitions; and recapitalizations.

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River Valley Investors
PO Box 897
South Hadley, MA 01075
Tel. (413) 303-1268
Email: contactus@rivervalleyinvestors.com  
Contact: Paul G. Silva, Co-Manager

River Valley Investors exists as a group formed for the purpose of screening and reviewing businesses looking for equity investment. River Valley Investors was formed to serve as a meeting ground for individual investors and as a place for entrepreneurs to present investment opportunities to a select group of investors.

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Village Ventures, Inc.
430 Main Street, Suite 1
Williamstown, MA 01267
Tel. (413) 458-1100   Fax (413) 458-0336 
email: info@villageventures.com
Contact: Matt Harris, Managing General Partner
Bo Peabody, Managing General Partner

Village Ventures is a privately held operating company that manages a network of early-stage locally focused venture capital funds and invests directly in the promising companies emerging from that network. It also invests capital alongside the funds and has proprietary access to second and third stage opportunities emerging from these funds.

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Massachusetts Office of Business Development (MOBD)
1 Ashburton Place, Suite 2101
Boston, MA 02108
Tel (617) 788-3670   Fax (617) 788-3695
Contact: Anna Marie Kersten, Regional Director

75 North Street, Suite 360
Pittsfield, MA 01201
Tel. (413) 499-0037   Fax (413) 499-0059
Contact: Pam Malumphy, Berkshire Regional Director 

MOBD's mission is to assist in the creation and preservation of jobs in Massachusetts. They help businesses currently located in Massachusetts, as well as those outside the state that are interested in expanding, relocating, or simply exploring a range of business opportunities here. MOBD serves as a single point of entry for businesses wishing information on state resources.

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Service Corps of Retired Executives (SCORE)
Enterprise Center
1 Federal Street, Bldg. 101-R
Springfield, MA 01105-1222
Tel. (413) 785-0314

c/o Franklin County Chamber of Commerce
395 Main Street, PO Box 790
Greenfield, MA 01302
Tel. (413) 773-5463

SCORE, affiliated with and sponsored by the U.S. Small Business Administration, is an organization of retired business and professional executives well versed in all phases of manufacturing, finance, retail, etc. who are available for consultation at no charge. 

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State Office of Minority and Women Business Assistance (SOMWBA)
Transportation Building
10 Park Plaza, Suite 3740
Boston, MA 02116
Tel. (617) 973-8692   Fax (617) 973-8637
Email: wsomwba@state.ma.us
Contact: Robert Fortes, Executive Director

SOMWBA is the first Massachusetts agency specifically charged with assisting minority-owned business enterprises. SOMWBA offers access to substantial purchasing and contracting opportunities for business owners who sell a product or a service that is purchased by government agencies, municipalities and large corporations. SOMWBA develops strategies for enacting new legislation and policy proposals that facilitate the involvement of minorities and women in the economy. SOMWBA serves as a resource for bid and contract information, technical assistance and business counseling.

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Brightwood Development Corporation
2345 Main Street
Springfield, MA 01107
Tel. (413) 734-2144   Fax (413) 746-3934
Contact: Barbara Delancey, Director

Brightwood Development Corporation is a community-based corporation representing the North End of Springfield. Its primary mission is to promote neighborhood revitalization and development by providing employment opportunities, affordable housing for low and moderate income families, and economic development and small business opportunities through technical assistance, micro. loans, and business incubators. 

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Franklin County Community Development Corporation
324 Wells Street
Greenfield, MA 01301
Tel. (413) 774-7204   Fax (413) 773-3562
email: fccdc@valinet.com
Contact: John Waite, Executive Director

Franklin County CDC works with local government and area businesses to sponsor community development, business assistance, and housing programs that expand opportunities for low and moderate income residents throughout the region. The CDC also administers a variety of business loan programs. 

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Hilltown Community Development Corporation
387 Main Road 
P.O. Box 17 
Chesterfield, MA 01012 
Tel. (413) 296-4536   Fax (413) 296-4020
email: staff@hilltowncdc.org
Contact: Andrew Baker, Executive Director
             , Economic Development Director

The Hilltown CDC seeks to improve the economic self-sufficiency of the hilltowns by increasing local employment opportunities and providing support services for hilltown residents. Business support programs include individualized business consulting, entrepreneurial training, business plan development and loan packaging. Towns served are Ashfield, Chester, Chesterfield, Cummington, Goshen, Huntington, Middlefield, Plainfield, Westhampton, Williamsburg and Worthington.

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Lee Community Development Corporation 
Lee Corporate Center
480 Pleasant Street, Route 102
Lee, MA 01238
Tel. (413) 243-5528   Fax (413) 243-5529
email: lcdc@bcn.net 
Contact: Richard H. Vinette, Executive Director

The Lee CDC's mission is to create jobs and economic opportunity in Lee. It has diversified and preserved employment opportunities, assisted small and medium sized business, and forged new alliances with larger economic "anchor industries" in Lee. 

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Nueva Esperanza, Inc.
401 Main Street
Holyoke, MA 01040
Tel. (413) 533-9442   Fax (413) 533-2661
email: nuevesp@javanet.com
Contact: Carlos A. Vega, Executive Director

Nueva Esperanza sponsors community development, business assistance, and housing programs that expand opportunities for low and moderate-income residents in Holyoke. 

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Pittsfield Economic Revitalization Corporation (PERC)
City Hall, Room 205, 70 Allen Street
Pittsfield, MA 01201
Tel. (413) 499-9368   Fax (413) 442-5661
Contact: Ann W. Dobrowolski, Community Development Specialist

The City of Pittsfield, through its Department of Community Development and the Pittsfield Economic Revitalization Corporation (PERC), offers a number of programs as assistance to developers and entrepreneurs locating or expanding businesses in Pittsfield. They include:

  • SBA 504 Loan Program
  • PERC Small Business Loan Program 
  • PERC Economic Development Loan Program
  • CDFC Venture Capital Fund
  • WMEF Loan Program
  • Mass. Economic Development Incentive Program

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Quaboag Valley Community Development Corporation & Business Assistance Corporation
23 West Main Street
Ware, MA 01082
Tel. (413) 967-3001   Fax (413) 967-3008 
Contact: Susan S. Rutherford, Executive Director

The CDC works to provide a wide range of programs and services to enhance the economic climate of the Quaboag Valley region. Its objectives include loans to area businesses that are microentrepreneurs or intend to create jobs. The CDC also provides technical assistance and training to small businesses.

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Solutions Community Development Corporation
254 Maple Street
Holyoke, MA 01040
Tel. (413) 315-6017   Fax (413) 315-6258 
Contact: Gregory Schwartz, Director
Harry Montalvo, Business Manager

Solutions CDC is a local non-profit organization governed by area residents and business owners devoted to serving the needs of small businesses and community residents. Its mission is to promote community economic development opportunities for local residents, small businesses and individuals interested in starting a small business in Holyoke. Programs offered include:

  • Working capital peer loan groups
  • Individual micro loans for small businesses
  • Technical assistance
  • Entrepreneurial training
  • Business mentoring network

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Valley Community Development Corporation
30 Market Street
Northampton, MA 01060
Tel. (413) 586-5855   Fax (413) 586-7521
Contact: Joanne Campbell, Executive Director 
Gene Talsky, Director, Small Business Development
Stacy Kontrabecki, Coordinator, Small Business Development

The Economic Development Committee of the Valley CDC strives to improve the quality of life for all residents in their service area (Amherst, Easthampton, Hadley, and Northampton) by actively working with local, state and federal agencies and other non-profit organizations to support current economic development initiatives and programs.

The Valley CDC can help with:

  • business and benefit plan development
  • management information systems
  • product/service development and focus
  • accessing financing to start or grow a business
  • strategic planning for website development
  • marketing
  • group training and individual tutoring
  • referrals to service providers and other business development resources
  • business coaching

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Westfield Community Development Corporation
53 Court Street
Westfield, MA 01085
Tel. (413) 562-7221  Fax (413) 562-0814
Contact: Mark Noonan, Executive Director

Westfield CDC sponsors community development, business assistance, and housing programs that expand opportunities for low and moderate income residents in Westfield.

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Local Banks

Bank of America
One Monarch Place · Springfield MA 01144
(413) 787-8700

The Bank of Western Massachusetts
1391 Main Street · Springfield MA 01103
(413) 781-2265

Berkshire Bank
PO Box 1308 · Pittsfield MA 01202
(413) 443-5601

31 Court Street · Westfield MA 01085
(413) 564-6230

Chicopee Savings Bank
70 Center Street · Chicopee MA 01020
(413) 594-6692 

Citizens Bank
950 Main Street · Springfield MA 01103
(413) 733-2111

Country Bank for Savings
75 Main Street · Ware MA 01082
(413) 967-6221

Easthampton Savings Bank
36 Main Street · Easthampton MA 01027
(413) 527-4111

Florence Savings Bank 
85 Main Street · Florence MA 01060
(413) 586-1300 

Greenfield Co-operative Bank
63 Federal Street · Greenfield MA 01301
(413) 772-0293

Greenfield Savings Bank 
400 Main Street · Greenfield MA 01301
(413) 774-3191

Greylock Federal Credit Union
150 West Street · Pittsfield, MA 01201
(413) 236-4000 

Hampden Savings Bank
19 Harrison Avenue · Springfield MA 01103
(413) 736-1812

Hoosac Bank
93 Main Street · North Adams MA 01247
(413) 663-5353

Legacy Banks
PO Box 1148 · Pittsfield MA 01202-1148
(413) 443-4421

Lee Bank
75 Park Street · Lee MA 01238
(413) 243-5623 

Monson Savings Bank
146 Main Street · Monson MA 01057
(413) 267-4646

New Alliance Bank
225 Park Avenue ·
West Springfield MA 01089
(413) 747-1400

Peoples Bank
314 High Street · Holyoke MA 01040
(413) 538-9500

The Pittsfield Co-operative Bank
70 South Street · Pittsfield MA 01201
(413) 447-7304

Salisbury Bank and Trust Company
51 Main Street ·
South Egremont MA 01258
(413) 528-5100

Sovereign Bank
1350 Main Street · Springfield MA 01103
(413) 858-8900

TD Banknorth
1441 Main Street · Springfield MA 01103
(413) 748-8242

99 West Street · Pittsfield MA 01201
(413) 499-3000 

United Bank
95 Elm Street · West Springfield MA 01090-9020
(413) 787-1700

Ware Cooperative Bank
40 Main Street · Ware MA 01082
(413) 967-6271

Westfield Bank
1341 Main Street · Springfield MA 01103
(413) 568-1911

Williamstown Savings Bank
795 Main Street · Williamstown MA 01267
(413) 458-8191 

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