Committed to a Thriving Local Economy

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Common Capital is a community loan fund and non-profit organization that is committed to a thriving local economy in order to create positive social and community impacts. We align capital and other resources to community needs and opportunities. We accomplish this by providing financing and business assistance to small businesses and high-impact community projects.

Every dollar that Common Capital deploys is an investment in job creation, providing opportunity for low-income people, essential community services, neighborhood rejuvenation and environmental sustainability. We focus on businesses that are locally owned and that recirculate local dollars.

Common Capital is a Community Development Financial Institution (CDFI) certified by the U.S. Department of the Treasury CDFI Fund. In order to become a certified CDFI, an organization must have a primary mission of promoting community development; provide financial products and services; serve one or more defined low-income target markets and maintain accountability to the community it serves.

Common Capital became an affiliate of Way Finders, a housing services nonprofit located in Springfield, MA, in April of 2017. Way Finders is the sole member of Common Capital. We will continue to maintain our own identify, our own office, and our own leadership and staffing structure. This collaboration will enable us to expand into low-income housing project lending and increases our access to potential clients throughout the greater Springfield area.

Click here for more information on the impact the CDFI industry has on communities throughout the United States


To speak with one of our staff, please call the Common Capital office at (413) 420-0183 or email any of us below!

Christopher SikesChristopher Sikes
Chief Executive Officer
(413) 420-0183, ext. 104
Send Chris an email by clicking here.

Chris Sikes is the CEO of Common Capital. He has directed the organization to provide economic sustainability for individuals and the community since 1989.


Michael Abbate
Chief Operating Officer
(413) 420-0183, ext. 102
Send Michael an email by clicking here.

Michael Abbate has over 25 years of experience in non-profit finance and administration and has lived in the Pioneer Valley for more than 15 years. In addition to his main role as COO, he is the program officer for the organization’s healthy food & farm financing program.

Kimberly GaughanKimberly Gaughan
Loan Services Administrator
(413) 420-0183, ext. 100
Send Kim an email by clicking here.

Kim has been with Common Capital since 2010. She is the first point of contact when you call Common Capital and enjoys speaking with individuals on a daily basis> If you would like information on how Common Capital can assist you with your business needs or to apply for a loan, please call or email her.

Callie Niezgoda
Loan Officer
(413) 420-0183, ext. 103
Send Callie an email by clicking here.

Callie has over 10 years experience in the financing industry. She performs underwriting on all loan sizes. She enjoys working with clients post-closing and identifying and opportunities for business assistance to help them succeed.

Sam OrtizSam Ortiz
Director of Lending
(413) 420-0183 , ext. 105
Send Sam an email by clicking here.

Sam Ortiz possesses over 30 years of banking, accounting and business lending experience. He is well versed in the areas of business planning, business financing, taxes, accounting, management consulting, and real estate sales. Sam provides loan underwriting and portfolio management at Common Capital.


Kelly Tiedemann Miller
Business Assistance Coordinator
(413) 420-0183 , ext. 101
Send Kelly an email by clicking here.

Kelly has over fifteen years of experience working with small business owners providing assistance with basic finance and small business development.  She truly enjoys working with entrepreneurs through teaching, learning and collaborating to create long term success and lasting relationships!

Board of Directors

Tim Brennan, Board Treasurer
Executive Director, Pioneer Valley Planning Commission

Jonathan Daen
CFO, Australis Aquaculture

Pascale Desir
Chief Legal Officer, Way Finders, Inc.

Linda Dunlavy
Executive Director, Franklin Regional Council of Governments

Peter Gagliardi
President and CEO, Way Finders, Inc.

Jim Hickson, Board President
Sr. Vice President, Berkshire Bank

Clare Higgins
Executive Director, Community Action

Samalid Hogan
Mass Small Business Development Center, Regional Director

Jan Klausner-Wise
Office of former Massachusetts Representative Ellen Story

Sara la Cour
Executive Director, Amherst Business Improvement District

Jay Leonard
Director, Babson Capital

Wilfredo Lopez
NAI Plotkin, Commercial Real Estate Broker

Frank Robinson
Executive Director, Partners For A Healthier Community

Ira Rubenzahl, Board Clerk
Former President, Springfield Technical Community College

Kevin Sweeney
Sweeney Strategic Consulting

Driving Directions to Common Capital

Directions to Common Capital at 4 Open Square Way in Holyoke Massachusetts 01040

From the North-Northwest (Vermont, Northampton & the Berkshires): Take Interstate 91 South to exit 17. Take left at bottom of exit ramp. Continue onto Dwight Street through downtown Holyoke. The entrance to Open Square is on your left immediately after Heritage Park (contains the Children’s Museum and the Volleyball Hall of Fame) on your right.

From the East and South (NYC, Boston): Take Interstate 91 North to exit 17 and follow exit to right downhill. Continue onto Dwight Street through downtown Holyoke. The entrance to Open Square is on your left immediately after Heritage Park (contains the Children’s Museum and the Volleyball Hall of Fame) on your right.

From Interstate 391 going North: Take the Main Street Holyoke exit (exit 5). Go right at the lights onto Main Street. Take left onto Dwight Street. The entrance to Open Square is on your right.

From the North-Northeast (Amherst & New Hampshire): Go South on Route 116. In South Hadley, take Route 202 South, and cross the Joseph E. Muller Bridge into Holyoke. Exit the Rotary in Holyoke bearing left onto Lyman Street. Follow Lyman Street until the bridge over the first canal. The entrance to Open Square is immediately on the right.

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