It's Your Business! SBA Newsletter | January 7, 2013

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January 7, 2013

It's Your Business!

U.S. Small Business Administration, Massachusetts District Office

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SBA's Program of the Month: CAPLines 

Every month the Massachusetts District Office highlights one of the SBA's many programs and services. The CAPLines program is designed to help small businesses meet their short-term and cyclical working capital needs. The program can be used to finance seasonal working capital needs; finance the direct costs of performing certain construction, service and supply contracts; finance the direct cost associated with commercial and residential construction; finance operating capital; and consolidate short-term debt. SBA provides up to an 85 percent guarantee and loan limits are up to $5 million. 

To learn more about the CAPLines program, please click here.

FREE Counseling Services to Get Your Business Up and Running in 2013

In addition to its Massachusetts District office, the SBA works with a network of business advisors and counselors that can help you write a formal business plan, locate sources of financial assistance, manage or expand your business, find opportunities to sell your goods or services to the government, or recover from a disaster. These passionate, dedicated business experts provide training events, or can meet with you one-on-one. If your New Year's resolution is to start a small business, or grown one you already own, these counselors are a great way to get started.

To reach out to a SCORE counselor in Massachusetts, please click here and add your zip code.


To reach out to a Massachusetts Small Business Development Center, please click here.


To reach out to a Center for Women and Enterprise, please click here.


To reach out to the Northeast Veterans Business Resource Center (NEVBRC), please click here.


Exciting SBA Events in Western Massachusetts Next Week!

Next week the SBA will be holding two events in Pittsfield, Massachusetts. There will be a workshop for entrepreneurs and small business owners, and a training session for SBA lenders working in the Western part of the state. Here, you'll also be able to meet our Springfield Branch Manager, Oreste Varela, and learn more about the SBA and specifics on its loan programs. We hope you'll join us!

Small Business Owners and Entrepreneurs:

Register for the SBA Advantage workshop January 10, 2013 at 5:00 p.m. at the Berkshire Regional Office (33 Dunham Mall, Conference Room). Contact Oreste Varela at 413-785-0484 or e-mail This event is free, but requires registration.

SBA Lenders:

Register for an information session on SBA's loan programs (loan servicing/liquidation/guaranty purchase and SBA updates) on January 11, 2013 at 9:00 a.m. at the Berkshire Regional Office, contact Carlos Hernandez at 617-565-5565 or e-mail

HUBZone Helpline

The Historically Underutilized Business Zones (HUBZone) Empowerment Contracting program encourages economic development in historically underutilized business zones - "HUBZones" - by providing access to more federal contracting opportunities.

The HUBZone Office maintains office hours for eligibility and other assistance. Every Tuesday and Thursday from 2 – 3 p.m. EST the public is invited to call 1--888-858-2144 Access code 3061773#. This is an interactive conference call where HUBZone staff will present a specific eligibility topic followed by a general question and answer session.