Flexible Financing for Small Businesses


FCCDC Lending

The FCCDC finances both start-up and existing small businesses for a wide range of purposes, and has been successfully doing so for 40 years.

We support entrepreneurs in a variety of industries with an emphasis on supporting entrepreneurs who are committed to creating jobs in their communities. Since 1979, we have provided more than $10 million in financing to local businesses and more than 300 loans. FCCDC borrowers have created and/or retained over thousands of local jobs!

Need Funding?

We lend between $5,000 and $200,000 to both existing and start-up businesses.

If your business needs financing, contact our Lending Director, Alan Singer. We would like to hear from you!

Steve Kulik at Opening of Elements Brewery with owner Dan Kramer
Steve Kulik at Opening of Elements Brewery with owner Dan Kramer

The FCCDC partners with the following loan funds and lending programs:

  • The Four Town Trust Fund provides loans for businesses in Greenfield, Montague, Shelburne and Buckland.
  • The PVGrows Investment Fund provides financing and business assistance to farm and food businesses.  For more information, click here.
  • The Ten Town Trust Fund targets businesses located in Ashfield, Bernardston, Charlemont, Erving, Gill, Hawley, Northfield, Warwick, Wendell, and Whately.
  • The SSED Fund (Sudden and Severe Economic Dislocation) is for businesses that require financing for the retention or creation of jobs in Franklin County as well as Athol, Petersham, Phillipston and Royalston. It is also available to support minority and women-owned businesses.
  • The Rural Development (USDA) Intermediary Lending Program is for established businesses that need gap financing. Funds may also be available for new and expanding businesses.
  • The Rural Development (USDA) Rural Microenterprise Assistance Program is for established businesses that need gap financing. Funds may also be available for new and expanding businesses.
Big Y Truck Promoting Tea Guys

Application Process

Start Here

Interested in exploring a business or idea? You’re in the right place! Step one is filling out our Interest Form. Once you have submitted your interest form, our team will contact you within two weeks with recommended next steps!

Step Two

Once you have submitted your Interest Form, and received recommended next steps, we’ll need to gather some more information from you. Collecting client information is critical for us to show our funders who we serve. Our Application includes questions regarding your estimated yearly gross income, explanation of business or idea and several other details. Your answers to these questions will help us help you by tailoring our services to meet your unique goals.

Attend an Information Session

We encourage you to register and attend an information session. You can attend an information session before or after submitting an Interest Form or Application.

Food Producers looking to make their products or have their products co-packed at the Western MA Food Center access the FCCDC’s expertise at a food-focused information session. We invite food producers interested in using the Center to join us to learn more about our services and on-boarding process. Use the link below to sign up.

Third Tuesday of the Month    10:00 – 11:00 am

PVGrows Investment Fund


The PVGrows Investment Fund, Inc. (PVGIF) provides financing and technical assistance to local farm and food businesses through community investments. PVGIF offers an investment vehicle for individuals, institutions and foundations to invest in building a healthier food system. Together, we will all work to strengthen and grow the local food economy – more vibrant farm and food businesses, more local jobs, and more access to healthy food in the Pioneer Valley.

Financing Farms and Healthy Food Retail

Second Wednesday of the month at 11:00 am.

Join us as we visit Ricky and Deb at their educational farm in Orange, MA. Learn more about why Ricky and Deb invest in their community through the PVGrows Investment Fund.
Join us as we tour Real Pickles’ incredible pickle-filled cooperative in Greenfield, MA. Addie speaks about how PVGrows Investment Fund and the Franklin County Community Development Corporation have supported Real Pickles throughout their growth!
PVGrows Investment Fund Invester Micky sat down with us to chat about why she became an investor. Interested in becoming a PVGrows Investor? Learn more at pvgrows.net
Join us as we tour Sutter Meats Butcher Shop in Northampton, MA. Terry explains how community investment has helped his business bring back the local butcher.
Join us for a visit to Bardwell farm where we chatted with Harrison Bardwell about community investments, and what PVGrows has done for him!
Join us as we tour Mycoterra’s innovative mushroom farm in the heart of the Pioneer Valley. Julia takes us on a tour and speaks about why and how PVGrows Investment Fund has supported her work!
  • Want to know more about the wonderful farms and local food borrowers that have received financing from PVGIF? Click here for a list of borrower profiles.
  • Interested in investing in PVGIF? Take a look at the PVGrows Investment Fund Offering Memorandum here.
  • Ready to submit an Inquiry Form to be considered for financing and technical assistance? Click here to view the Inquiry Form.

Feel free to reach out with any questions to Rebecca Busansky, Program Manager, at rebecca@pvgrows.net or 413-774-7204 ext. 112.

Mass Food Trust Program

FCCDC Partnership with MFTP

The FCCDC is proud to be a Co-Administrator for the Massachusetts Food Trust Program. Read more about our position as Co-Administrator.

The Massachusetts Food Trust Program is a partnership between the Commonwealth, two nonprofit Community Development Financial Institutions (CDFIs), a Food Access Organization, a State Administrator, and other partners, stakeholders, and nonprofits throughout the Commonwealth.

Financing Farms and Healthy Food Retail

Second Wednesday of the month at 11:00 am.

How to Apply for a Loan

How to Apply for a Loan

Here is how our process works: Lending Process Flow Chart.

The first step in applying for a loan with the FCCDC is to fill out our Interest Form.
Next, fill out our Application.
Next, download our loan application as a Fillable PDF and submit it to Alan Singer, Director of Lending, at alans@fccdc.org, or mail to FCCDC, 324 Wells Street Greenfield, MA 01301.