Lending

 Flexible Financing for Small Businesses

Overview

FCCDC Lending

COVID-19 Microenterprice Assistance Program
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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 Invesmtent 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

PVGrows Investment Fund

About PVGIF

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.

More Information

Financing Farms and Healthy Food Info Sessions

Info sessions offered the second Wednesday of the month, at 11:00 am. All info sessions are virtual and free of cost.

Sign up
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 Info Sessions

Info sessions offered the second Wednesday of the month, at 11:00 am. All info sessions are virtual and free of cost.

Sign up

How to Apply

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 CDC is to fill out our general inquiry form.
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.
Review the loan package checklist, download the checklist.