Welcome to our Application Portal, where you can find the help you need to get ready  – and apply for – a loan from Common Capital. 

If you have not launched your business yet, please complete the Business Assessment form. If you have been open fewer than 2 years, choose Startup. If you have been open 2 years or more, choose Existing.

We strongly encourage you to read through your chosen option carefully and gather all the required materials before starting your application online.
Note: Common Capital can only lend money to businesses operating in Berkshire, Franklin, Hampshire, or Hampden Counties.

Take the Business Assessment

Our Business Assessment is designed to help you identify what you need to successfully complete a loan application. You must have the following documentation to apply:

• 2 Years of Personal Federal Income Tax Returns (Every applicant, co-borrower, business owner, guarantor, and/or co-signer must submit tax returns).
• Business Plan and 3 Years of Projections.
• Quotes for equipment, supplies, construction, inventory, etc.
• Proof of 10% applicant injection.
• Year-to-Date Income Statement & Balance Sheet.
• Resumes/Work History for all owners and key personnel.
• Copy of Lease Agreement (If applicable)

If you don’t have these documents, please complete the Business Assessment form.  

Once completed, a personal Common Capital Business Navigator will work with you until you are ready to apply.

Loan Application Options

Existing Business Application

For businesses open less than 2 years in Franklin, Hampshire, Hampden or Berkshire Counties ONLY.

Please review this list carefully and submit all application materials in one complete package. Common Capital may ask for additional information once we review your application.

*Incomplete applications will not be reviewed until a complete packet is submitted.

Required Documents:

• Personal Financial Statement (PFS) – The PFS is included in the Borrowers Information section of the application form. It must be completed and signed by, every applicant, co-borrower, business owner, guarantor, and/or co-signer.
• Two years of personal Federal income tax returns – Every applicant, co-borrower, business owner, guarantor, and/or co-signer must submit tax returns.
• Year-to-Date Income Statement & Balance Sheet
• Executive Summary or background information on company and operations
• Quotes for equipment, supplies, construction, inventory, etc.
• Resumes/Work History for all owners and key personnel.
• Copy of Lease Agreement (if applicable)

Now that your documents are uploaded, please proceed to the application.

Note: a non-refundable $150 application fee must be paid before your application is processed. The fee can be paid by check or contact Kim Gaughan at 413-233-1680 for other payment options.