At Sign-GrafX Group we are dedicated to making your public image THE BEST! We work hard to provide user-friendly service, high value, and premium quality signs that will help you stand out and bring in the business you want.
Sign-Grafx signs stand out throughout western Massachusetts, as well as the rest of New England, including Vermont, New Hampshire, Connecticut, Rhode Island, and New York. 50 Terrace View Easthampton, MA.
(413) 527-4282

Common capital provides financing to for-profit, cooperative and in certain circumstances, nonprofit businesses that are unable to obtain necessary financing from conventional lenders.  In order to maximize the positive impacts in our community, we have identified several values which define and are reflected in our work.  They include the following: increased employment opportunities, neighborhood revitalization, providing essential community services, and promoting a healthier environment.

Learn about the various types of capital available to businesses by clicking here.

Clients are eligible to apply for a loan from Common Capital if:

• Your entity is located in our geographic area (Berkshire, Franklin, Hampshire and Hampden counties)

• You can demonstrate business or project viability with the proposed funds

• Your business or project creates or sustains a community benefit

• You can provide available collateral to support the loan

• You can demonstrate adequate future cash flow or financing sources to repay business or project debt

• You, as the owner, has a substantial commitment to the business or project

• Your character and skills indicate strong commitment to successfully utilize the funds and/or complete the project in order to fully repay the loan

How do I know if I am ready to apply?
You should be able to answer “yes” to the following questions and have the associated documents described below:

• Can you describe, in detail, your business’ products and services, sales and marketing, and financial goals?  A business plan or business background on your company will encompass these topics and will be required with your loan application.  If you need assistance with preparing your business plan, download this  PDF file, which contains a valuable list of free resources in our area.

• Do you know why you need a loan?  Create a list of loan uses and describe how they will help your business grow.

• Do you keep up-to-date with your business and personal finances by tracking your income and expenses?  Historical financial statements and/or three years of projected financial statements and cash flows are required with your loan application.

• Do you have an adequate form of collateral?  You will need to have information on collateral including appraisals, tax assessments, invoices, etc. when you submit your application.

Loan sizes range from $500 up to $300,000, have competitive rates and flexible terms customized to your business needs.  We do not offer consumer or mortgage loans.

How long does it take to get a business loan?
Once we have a fully completed application package, it can take 6-8 weeks from loan decision to closing of the loan.  This time frame depends on how quickly the requested loan documentation is received.  Loan approval timing is also affected by the size of the loan, if an SBA guarantee is utilized, and the types of collateral.

If you are eligible and are ready to apply, please fill out the form below to get started and
Kimberly Gaughan, the Loan Services Administrator, will review your inquiry and will get in touch with you.