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
Lowell, MA 01854
Tel: 978-446-9870 Fax: 978-446-9820
Email:
info@netaac.org
Contact: Lisa L. McHatton, Director
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 01002-2999
Tel: 413-253-4300 Fax: 413-253-7068
William C. Gouzounis,
Acting State
Director
USDA
Farm Service Agency (FSA)
445 West Street
Amherst, MA 01002
Thomas E. Smiarowski, Acting State Executive Director
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.
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U.S. Small Business Administration (SBA)
Scibelli
Enterprise Center
1 Federal Street
Springfield, MA 01105-1222
Tel: 413-785-0484
Contact:
P.
Edgardo Tarrats, Branch Manager
The SBA administers various programs that provide financial and management assistance to small businesses. The agency's most active programs include the following:
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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.
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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.
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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)
1601 Trapelo Road, Suite 222
Waltham, MA 02451
Tel: 781-891-3594 or 888-355-6663
Fax: 781-647-4950
Contact: Mike Topalian, 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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BDC Capital / New England
Certified Development Corporation
500 Edgewater Drive, Suite 555
Wakefield, MA 01880
Tel: 781-928-1100 Fax: 781-928-1101
Contact:
Carol C. Brennan, Director of Business
Development
20 Church Street, Suite 1740
Hartford, CT 06103
Tel: 860-218-2912 Fax:
860-218-2913
BDC Capital/New England Certified is a private
company established in 1953 with the support of
more than 50 local banks and financial
institutions to provide nontraditional growth
capital to Massachusetts businesses. Their
Western Massachusetts office is located in West
Springfield.
BDC Capital/New England Certified 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.
BDC Capital/New England Certified is also a SBA
"premiere certified lender" for 7A guarantees,
in the event that the borrower's collateral is
insufficient to support the desired amount of
financing.
- BDC Capital provides community loans to companies that
are minority or women-owned, not-for-profit, employ a predominantly minority
workforce, or demonstrate a direct positive impact on economically
disadvantaged areas. The loans may be used for equipment, real estate,
working capital or any other reasonable business or community development
purpose.
- New England Certified Development Corporation (formerly
known as MassCertified), an affiliate of BDC Capital, offers the popular SBA
504 program to businesses for owner-occupied property. SBA 504 loans, for
projects ranging in size from $500,000 and up, may be used for:
· The purchase of land and buildings
· New construction, renovation and leasehold
improvements
· Acquisition of machinery and equipment
New England Certified consistently receives the highest rating from the SBA.
Borrowers get low-cost fixed rates with longer
terms and low down payments. With an SBA 504
loan, a borrower obtains a first mortgage loan
for usually 50% of the project from a bank.
There is no maximum dollar amount. New England
Certified then provides a secondary loan (called
a debenture) for the next 40%. Certain
manufacturing entities are eligible for up to a
$4 million debenture. All other industries are
capped at $2 million. Up to 90% financing means
the borrower typically provides only 10% equity
for the project. Loan terms may extend as long
as 20 years, and low fixed interest rates (fixed
for 20 years for real estate; 10 years for
equipment) are available on up to 40% of the
project.
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Commonwealth Corporation
The Schrafft Center
529 Main Street, Suite 110
Boston, MA 02129
Tel: 617-727-8158
Fax: 617-242-7660
Email:
info@commcorp.org
Contact: Nancy Snyder, President/CEO
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: Jane Mason, Western Mass Lending
Officer
Tel: 617-727-8158 ext. 2328
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)
One Center Plaza, Suite 350
Boston, MA 02108
Tel: 617-727-5944 Fax: 617-727-5990
Email: cedac@cedac.org
Contact: Roger Herzog, 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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Massachusetts Capital Resource Company (MCRC)
420 Boylston Street #5
Boston, MA 02116
Tel: 617-536-3900 Fax: 617-536-7930
Contact: William J. Torpey,
Jr., Chairman
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:
maloans@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.
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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.
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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
230
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 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
City Hall
36 Main Street
Agawam, MA 01001
Tel: 413-786-0172
Email:
info@asbac.net
Contact: Gina Fusick, Chairperson
The Center was launched in
January 2002 with the mission to promote the
growth, development and retention of businesses
in Agawam and the surrounding communities.
Funded by donations from area businesses and
organizations, and staffed by volunteers, the
Center offers professional counseling, workshops
and other support services to area entrepreneurs
who want to start or improve their businesses.
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Berkshire Enterprises
1350 West Street
Pittsfield, MA 01201
Tel: 413-236-2141 Fax: 413-443-5166
Email:
info@berkshireenterprises.com
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
Chicopee, MA 01013
Tel: 413-594-1490 Fax: 413-594-1495
Contact:
Thomas Haberlin, Director of Economic
Development
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 Planning and Development
1 Court Plaza
Holyoke, MA 01040
Tel: 413-322-5655 Fax: 413-534-2299
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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Western Massachusetts Enterprise Fund (WMEF)
4 Open Square Way, Suite 407
Holyoke, MA 01040
Tel: 413-420-0183 Fax: 413-420-0543
Email:
additional_info@wmef.org
Contact:
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
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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Berkshire Opportunity Fund
25B Main Street
Lenox, MA 01240
Tel: 413-637-8016
Email:
info@berkshireopportunityfund.com
Contact: Roger O. Goldman and Steven Picheny
Berkshire Opportunity Fund (BOF) is a mezzanine investment fund dedicated to
meeting the capital needs of growing businesses in and around the Berkshires,
which the fund defines as extending from Albany to Hartford.
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)
100 Cambridge Street, Suite 1010
Boston, MA 02114
Tel: 617-788-3670 Fax: 617-788-3695
Contact: Marty Walsh, Acting Director
53 Court Street, Suite
203
Westfield, MA 01085
Tel: 413-562-8780 Fax: 413-562-2578
Contact:
Michael L. Vedovelli, 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)
Scibelli 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: Harold Vaughn
Developed in 1976, 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
2460 Main Street, Suite 112
Springfield, MA 01107
Tel: 413-272-2299
Contact: Bruce Young-Candelaria, Vice President
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
Seth Isman, 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: leecdc@verizon.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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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
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
116 Pleasant Street, Eastworks Suite 325
Easthampton, MA 01027
Tel: 413-529-0420 Fax: 413-529-0430
Email:
biz@valleycdc.com
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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Bank of
America
One Monarch Place · Springfield MA 01144
413-787-8700
Berkshire
Bank
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
Hampden Savings Bank
19 Harrison Avenue · Springfield MA 01103
413-736-1812
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
Nuvo Bank & Trust Company
1500 Main Street ·
Springfield MA 01115
413-787-2700
Peoples Bank
314 High Street · Holyoke MA 01040
413-538-9500
Sovereign Bank
1350 Main Street · Springfield MA 01103
413-858-8900
TD Bank
1441 Main Street · Springfield MA 01103
413-748-8242
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
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For further information, visit
the following links:
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