10 Forward, Greenfield
Photo by Paul Franz, Greenfield Recorder

FCCDC Lending

The FCCDC finances both start-up and existing small businesses for a wide range of purposes, and has been successfully doing so since 1979. We take a holistic approach to each application, carefully considering the unique attributes of the borrower and the soundness of their business plan.  

We support entrepreneurs in a variety of industries with an emphasis on supporting entrepreneurs who are committed to creating jobs in their communities. Since our founding, we have provided more than $12 million in financing to local businesses and more than 400 loans. FCCDC borrowers have created and retained thousands of local jobs!

Need Financing?

We provide loans between $5,000 and $250,000 to both existing and start-up businesses. If your business needs financing, check out the steps below. We would like to hear from you!

How to Apply for a Loan


The first step in applying for financing with the FCCDC is to fill out our Pre-Application. This online form cannot be saved and returned to later; it must be done in one sitting. You may want to familiarize yourself with the form by looking at this PDF and when you’re ready, filling it in.

Someone from the Franklin County CDC will be in touch. Please know, our lending process is as unique as your business! We may request documents such as a W9 or tax returns, depending on what stage your business is in. If you don’t know what these documents are or are not sure if you have them, that’s ok, we’re here to help. Your success is our goal. If you have any questions about this process, please email us.

We are here to help you get your business off the ground or growing strong! Let us know what else you need!



Massachusetts Food Trust Program

The FCCDC is proud to be a Co-Administrator for the Massachusetts Food Trust Program, which provides access to capital for entrepreneurs wanting to bring local food retail to low-grocery areas. Read an article 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. 


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



  • Massachusetts Growth Capital Corporation drives inclusive economic growth through access to alternative funding, resources, and individualized services to identify and structure solutions tailored to each small business in Massachusetts.
  • The PVGrows Investment Fund provides financing and business assistance to farm and food businesses.  For more information, click here.
  • 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.