SBA November Newsletter l COVID EIDL Borrowers Info

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Massachusetts District Office  

u s small business administration

SBA MA November Newsletter

Photo of two people with the following text, National Apprenticeship Week, November 14-20, 2022. The SBA logo is at the bottom.

Apprenticeship programs help employers recruit, build and retain a highly skilled workforce. Learn more about apprenticeship programs:

Upcoming Events

Friday 11/18/22 / 12:00pm - 1:00pm
Red Flags Reimagined: Antidiversion Best Practices in Today’s World

Tuesday 11/22/22 / 9:00am - 10:30am
SBA 8(a) Business Development Program

Tuesday 11/22/22 / 11:00am - 12:30pm
Financing & Grants Info Session - CWE EM - Virtual Live

Tuesday 11/22/22 / 1:00pm - 2:30pm
Business Plan Basics

Tuesday 11/29/22 / 12:00pm - 1:00pm
EIDL: You Got the Loan, Here’s How You Pay It Back

Wednesday 11/30/22 / 10:00am - 11:00am
PTAC Webinar: PTAC NAICS, PSC, FSC and Forecasts

Wednesday 11/30/22 / 12:00pm - 1:00pm
The Four Financial Pillars - Session III - Business Lending - Central MA - Live Webinar

Wednesday 11/30/22 / 5:30pm - 6:30pm
Writing a Business Plan Part 4 - Market Research

Thursday 12/8/22 / 3:30pm - 4:30pm
If You Received Funding From The Federal Government During COVID, Don't Miss This Webinar!


For many COVID Economic Injury Disaster Loans approved by the U.S. Small Business Administration (SBA), initial payments became due in October.

You are responsible for your COVID-19 EIDL monthly payment obligation beginning 30 months from the disbursement date shown on the top of the global front page of your Original Note.

Please follow the instructions below to check the status of your loan, confirm the first payment due date, and begin making payments:

1. Create an account or log in to SBA’s Capital Access Financial System (CAFS)to monitor your loan status. 

  • Get account enrollment instructions.
  • COVID-19 EIDL borrowers without a CAFS account: Your loan number might be on a statement or letter from SBA. It is NOT the same as your application number. If you do not have a letter or statement, please contact the SBA COVID-19 EIDL Customer Service Center at 833-853-5638.

2. Instructions on how to make a payment on your COVID-19 EIDL.

3. Contact your loan servicing center with requests for loan servicing options such as requesting a lien subordination, guidance on business closure or liquidation, changes in ownership, etc.

Disaster Loan Servicing Center- Birmingham, AL Phone: 800-736-6048 Hours of Operation: 8:00 a.m. to 4:30 p.m. (CST) Monday through Friday


Disaster Loan Servicing Center- El Paso, TX
Phone: (800) 487-6019 Hours of Operation:
8:00 a.m. to 4:00 p.m. (MST) Monday through Friday

4. If you need assistance with financial planning, please reach out to a local SBA Resource Partner for free business counseling. Entrepreneurs in YOUR STATE HERE can get free business counseling from:

  • Small Business Development Centers
  • SCORE Mentors
  • WISE Women's Business Center
  • Veteran Business Outreach Center

5. Reach out to COVID EIDL Customer Service specialists 8:00 a.m. to 8:00 p.m. ET, Monday through Friday with any additional questions:



NEWS RELEASE: Administrator Guzman Announces Path Forward for Veteran Small Business Certification Program

New SBA program launch to include one-year extension for certified veteran-owned small businesses

Release Date: November 2, 2022               
Release Number: 22-90

WASHINGTON – Today, during National Veterans Small Business Week (NVSBW), Administrator Isabella Casillas Guzman, head of the U.S. Small Business Administration (SBA) and the voice in President Biden’s Cabinet for America’s 33 million small businesses, announced consequential updates to the planned launch of SBA’s new Veteran Small Business Certification Program—including her intention to grant a one-year extension to firms verified by the Department of Veterans Affairs (VA)’s Vets First Verification Program through the Center for Verification and Evaluation (CVE) as of the January 1, 2023 transfer date.

“As we celebrate National Veterans Small Business Week, I am proud that the SBA is designing its new Veteran Small Business Certification Program to be the gold standard in customer experience and support to ensure we grow our base of veteran federal contractors,” said Administrator Guzman. “Adding this certification to SBA’s portfolio of capital, bonding, and contracting programs will enable us to better serve our veteran entrepreneurs and help them grow their businesses through federal procurement opportunities.” 

Scheduled to officially begin operations and accept new applications in January 2023, the Veteran Small Business Certification Program will be the Agency’s primary vehicle for handling certification for veteran-owned small businesses (VOSBs) and service-disabled veteran-owned small businesses (SDVOSBs)—important classifications that enable those businesses to qualify for sole-source and set-aside federal contracting awards.

Administrator Guzman also shared much-anticipated news that she intends to grant a one-time, one-year extension to current veteran-owned small businesses verified by the VA’s Center for Verification and Evaluation (CVE) as of the transfer date on January 1, 2023.

On that one-year extension, Administrator Guzman added, “Our team is committed to supporting a smooth and seamless transition for our veteran customers and will be providing a one-time, one-year certification extension for VA certified veteran-owned firms, making it as easy as we can for them to continue their entrepreneurial journey.”

“The decision to extend the certification will make a real difference for our nation’s veteran business owners as we move forward with transitioning this certification from the Department of Veterans Affairs,” said Larry Stubblefield, Associate Administrator for the SBA’s Office of Veterans Business Development. “In addition to supporting a smooth transition for currently certified firms, we will be able to focus on certifying new entrants and growing our base of certified firms.”

“We have been working closely with the SBA for a long time supporting the transfer of this certification program to the SBA and are glad to see it come to fruition,” said Chairman Jay Bowen, Veterans Employment and Education Commission at the American Legion. “We know that the veteran community will be well-served by this move and that the SBA will make the transition from the VA as smooth as possible. The announcement of the one-year extension for both veteran and service-disabled veteran small business owners further demonstrates the SBA’s dedication to helping the veteran small business community succeed and thrive.” 

“NVSBC is pleased to see veteran certification moving to the SBA and being applied across all the federal government agencies,” said Scott Jensen, Executive Director at the National Veteran Small Business Coalition (NVSBC). We applaud the SBA’s leadership in driving a process focused on success and supporting veteran-owned businesses and are excited to see the implementation. We also applaud the Administrator’s decision to extend existing certifications for one year. This decision will provide valuable relief to those already certified during a year of increased demand as other companies pursue the mandatory certification requirement.” 

“As a voice for disabled American veterans, we are thrilled to hear of the SBA’s commitment to the veteran community through the new certification program,” said Dan Clare, Chief Communications and Outreach Officer at Disabled American Veterans (DAV), a nonprofit charity that provides more than a million veterans and their families support each year by empowering veterans to lead high-quality lives with respect and dignity. “Service-disabled, veteran-owned small businesses (SDVOSBs) will positively benefit from the one-year extension of existing certifications, and for self-certified firms to be able to continue to compete for designated set-asides during the grace period. I am confident that both DAV and the SBA will support SDVOSBs through the transition and certification when the time comes.” 

The certification period will extend to four years on a one-time basis for firms verified by VA as of January 1, 2023

Updates in the new program will include:

  • Firms verified by the VA Center for Verification and Evaluation (CVE) as of January 1, 2023 will be automatically granted certification by SBA for the remainder of the firm’s eligibility period.
  • All firms verified by VA as of the January 1, 2023 transfer date will receive a one-year extension to their eligibility giving veterans an extra year to get recertified under the new SBA system.
  • The extension will allow SBA to process applications from new entrants into the program and grow the base of certified firms.

New applicants certified by SBA after January 1, 2023, will receive the standard three-year certification period.

Along with the recertification extension, the 2021 National Defense Authorization Act grants a one-year grace period for self-certified SDVOSBs until January 1, 2024.

  • During the grace period, businesses have one year to file an application for SDVOSB certification and may continue to rely on their self-certification to compete for non-VA SDVOSB set-asides.
  • Self-certified SDVOSBs that apply before the expiration of the one-year grace period will maintain eligibility until the SBA makes a final eligibility decision.

Beginning January 1, 2024, both veteran and service-disabled veteran small business owners will need to be certified to compete for federal contracting set-asides, unless an application from a self-certified firm is pending an SBA decision.

For the latest information on the Veteran Small Business Certification program, visit or email


About the Center for Verification and Evaluation Transfer
The National Defense Authorization Act of 2021 officially requested that the Department of Veterans Affairs Center for Verification and Evaluation, transfer to the SBA, effective January 1, 2023.


Illustration of a trophy with text, 2023 National Small Business Week Awards. Now accepting nominations. The SBA logo is included.


the following information to: and CC the business owner

  • Nominator: Full Name /Phone /Email
  • Award Nominee: Contact Full Name/ Business Name / Website / Phone / Email
  • Nomination Summary: Which category? How do they fit the criteria?
  • SBA District Office will contact the nominee to submit a package


Where are the nominations to be sent? All nominations must be submitted electronically to their SBA state district office BOX ACCOUNT HERE by: 3:00 P.M. on December 8, 2022.


2023 Award Categories

National Awards

  • Small Business Person of the Year
  • Small Business Exporter of the Year

Massachusetts District & New England Regional Awards

  • Jeffrey Butland Family Owned Small Business
  • Minority Small Business Owner
  • Veteran Small Business Owner
  • Woman Small Business Owner
  • Microenterprise
  • Young Entrepreneur (30 or under on June 1st 2022)
  • Small Business Manufacturer
  • Homebased Business Champion
  • Financial Services Champion

IRS Resources


It's that time of year again!  Check out all of the small business resources that provides to help you with your taxes. Watch this SMALL BUSINESS TAX WORKSHOP and get a head start prepping for closing out the year!

SBA MA District Office Events

The Massachusetts District Office celebrated a new community partnership with a Strategic Alliance Memorandum ceremonial signing event at The Possible Zone (TPZ) -- a newly built innovation Center in Boston’s Jackson Square neighborhood, providing hands-on, tuition-free entrepreneurship programs for high school students from under-resourced communities.


The local SBA resource provider network joined together at the event to establish a working relationship with TPZ in support of this important new entrepreneurship center in the heart of Boston.  Participants included: District Director Bob Nelson; Economic Development Specialist Lisa Gonzalez Welch; Lender Relations Specialist Dan Martiniello; Outreach and Marketing Specialist Diane Darling; SCORE Boston Mentor Tim Nelson; MSBDC Boston Regional Director Debra Raisner Thompson; and Center for Women & Enterprise Eastern Massachusetts Director Samilys Rodriguez.


First established 10 years ago in a 1000 SF facility in Cambridge, TPZ just recently opened this new 36,000 SF Innovation Center in the Jamaica Plan neighborhood of Boston.    TPZ young entrepreneurs design and launch businesses, use state-of-the-art makerspaces and technology, participate in Work-Based Learning opportunities with local companies, access wrap-around services from community partners, and receive college and career advising.   In the process, TPZ’s entrepreneurs develop the social-emotional (SEL) and STEAM skills, professional identities, and professional networks needed for postsecondary and career success.     TPZ students have launched 400+ business ventures to date, some of which they’ve grown as a career and 95% of the students served are students of color.

The SBA is proud to be collaborating with TPZ to help our young entrepreneurs to realize the American Dream of Entrepreneurship.  


Tuesday, November 8th – the Massachusetts District Office hosted a Boots to Business Reboot event, as part of the extended NVSBW events.  This is the first Reboot held on Joint Base Otis located on Cape Cod – with Springfield Branch Manager and retired Air Force Colonel Oreste Varela leading base personnel through the curriculum with all of the local resource partners participating including; SCORE, SBDC, VBOC, and WBC.


In commemoration of NVSBW, the Massachusetts District Office held a virtual event, “SBA Veterans Business Support Workshop - Marching Toward #VETBIZ Success” to highlight Veteran entrepreneurship and local resources available.   Led by Air Force Veteran and Springfield Branch Manager Oreste Varela, the program kicked off with remarks by New England Regional Administrator Mike Vlacich and District Director Bob Nelson, followed by an overview of SBA programs and services by district office staff including: Lisa Welch, Business Development Specialist; Carlos Hernandez, Lending Relations Specialist; Susan Lourie, Business Opportunity Specialist.  The program then consisted of a series of panels featuring resource providers, lenders and Veteran small business owners including:

  • SBA Resource Panel: Northeast SCORE Co-Chair, Betsy Harper; Northeast SBDC Director, Nancy Gerardi; VBOC New England Director, Jennie Murphy; Local Initiatives Support Corporation (LISC) Program Officer & Small Business Strong Manager, Douglas Ling. 
  • SBA Lender Panel: Paul Roucco, Eastern Bank, Jugmi Rao, TD Bank; Charles Smith, Community Teamwork (bottom right photo L to R)
  • Veteran Owned Business Panel: Jorge Rodriguez, Steri-Tech Medical Innovations; Brian LaFauci, WON Sports; Ed Brzychcy, Lead From The Front;  (top right photo L to R)



Government Contracting and Business Development

Government contracting

Tuesday 11/22/22 / 9:00am - 10:30am
SBA 8(a) Business Development Program

Wednesday 11/30/22 / 10:00am - 11:00am
PTAC Webinar: PTAC NAICS, PSC, FSC and Forecasts

Gov Contracting

Get weekly information on eligibility assistance for HUBZone certification

Members of the HUBZone team answer questions on a weekly basis to help firms navigate the certification process.


Tuesdays and Thursdays from 2-3 p.m. E.T.


Find a local number, or call 208-391-5817 and enter Skype conference ID #278449067

For PDF versions of information about the HUBZone Program and related improvements, select the HUBZone Fact SheetProgram Improvements, and  SBA’s latest FAQs.

Learn How to Apply to Get Certified as an 8(a)BD Small Business

Microsoft Teams 8(a)BD “Straight Talk” meeting Public Access

Members of the 8(a) team answer questions on a monthly basis to help firms navigate the certification process, including program benefits and eligibility requirements for 8(a) certification.


Third Wednesday of each month - 2:00p.m. to 3:00p.m. (ET)


Call 202-765-1264 (Washington, DC) and enter phone conference ID#: 217 121 169



7(j) training, provided to eligible firms and their employees, includes very specialized training in the areas of federal contracting. The training will be provided in an online format with live instructors and the ability for students to participate and ask questions. Up to 40 participants per workshop will receive training on how to make "real world" business decisions that will facilitate their firm's success.

Please check out the 7J training schedules for Bidspeed below. 


Through SBA Cooperative Agreement contract #SBAGC7J200001-02-00, will be providing hands-on, interactive, virtual training that will assist companies with doing more business with the Federal Government. These webinars will assist companies with necessary fundamentals to help them obtain and win more business in the Federal Marketplace in FY22. If your company wants to win a Government contract you should plan to attend.  Anticipated length of these training webinars is approximately 45 minutes.

View the full training schedule at        

NetQuarry’s unique Bidspeed Platform provides complete access to up-to-the-minute data on Federal opportunities, forecasts, recent awards, expiring and renewing contracts all combined with technical assistance and training that includes best-practice knowledge and processes.  The Bidspeed Platform will help small business concerns better understand the Federal procurement landscape, better allocate their marketing and business development resources, and make more timely decisions that increase teaming opportunities and lead to winning new Federal contracts and is a unique solution that provides empirical intelligence specifically designed to combine data from multiple data sources into a single actionable product for small business contractors.  NetQuarry’s Bidspeed Platform uniquely brings together many sources of data across the Federal marketplace in one place, including data from FPDS, SAM, FBO, SBIR/STTR, NAICS, and, that will help small businesses better understand and manage their business development efforts.

If you have questions about any of these upcoming webinars or how to register for them, please contact Allen Shipes by phone at 405-202-7589 or by email at



Apply now to CWE’s Spanish-Language Programs!

Are you looking to grow an existing business? Do you have a business idea and want to know how to develop it?

, in collaboration with Surfside Capital Advisors, as its technical assistance provider, have the pleasure to announce the launch of Spanish-language programming



These programs are for all who want to have a successful business, regardless of the stage you are in formation, start-up, growth, development, or expansion

Program- 10 Weeks to Create Your Business Plan

Aimed at potential business owners who are defining or beginning to formalize their business and need the support of expert consultants to develop their strategic business plan.

What benefits do the programs offer?

→     Develop a business plan supported by CWE Surfside Capital Advisors consultants.

→     CWE-sponsored subscription to LivePlan, an online, interactive tool to help you write your business plan.

→     Option to continue with personalized consulting to address a specific area of your project or access capital (the business plan must be completed)

Program - One to One Strategic Business Consulting

This program is aimed at all business owners who want to: increase sales, stabilize cash flow, improve their finances, digitalize processes, develop digital marketing strategies, or prepare to obtain access to capital, among other needs.

What benefits does the program offer?

→     Personalized consulting focused on solving or developing a critical element of your business.

→     Immediate execution of the strategies with the resources that your business has today: people, equipment, system, and capital

→     Flexible hours adapted to your own schedule.

To learn more about the programs visit and register at CWE  

The program is free for all participants. Applications are open now!




¡Inscríbase en los programas de CWE en español!

¿Tienes un negocio y necesitas estrategias para crecer tu empresa? ¿Tienes una idea de negocio y quieres saber cómo desarrollarla?


CWE, en colaboración con Surfside Capital Advisors, tiene el placer de anunciar el lanzamiento de los programas en español:



Ambos programas, completamente gratuitos, están dirigidos a las todas las mujeres que tienen como meta un negocio exitoso, sin importar la etapa en la que se encuentre.

Programa- 10 Semanas para crear su Plan de Negocios

Dirigido a potenciales dueñas de negocio que están definiendo o comenzando a formalizar su empresa y necesitan el apoyo de consultores expertos para desarrollar su plan estratégico de negocios.

¿Qué beneficios ofrecen los programas?

  • Desarrollo de un plan de negocios con el apoyo de los consultores expertos.
  • Suscripción a LivePlan, una herramienta interactiva que lo ayudará a crear su plan.
  • Opción de continuar con asesorías personalizadas para atender un área de su plan.

Programa - Uno a Uno Asesorías Estratégicas de Negocio

Dirigido a las dueñas de negocio que quieren ejecutar acciones para: aumentar las ventas, estabilizar el flujo de efectivo, mejorar sus finanzas, estrategias de marketing digital, tener acceso a capital, entre otros.

¿Qué beneficios ofrece el programa?

  • Consultorías personalizadas enfocadas en resolver solventar o desarrollar elementos críticos de su negocio.
  • Ejecución inmediata con los recursos que hoy tiene disponible: personas, equipos, sistemas y capital.
  • Horario flexible y adaptado a su tiempo.

Para conocer más acerca de los programas y aplicar visite


Please direct all other inquiries and questions to our District Office email at:

FREE and confidential counseling services are available across the Commonwealth. 


Virtual education, training and networking sessions are happening daily.


Please schedule a virtual session with any of our Resource Partners below...

Resource Partner Network



Staff are working remotely and can be reached via email or telephone. MSBDC is committed to supporting entrepreneurs during these very challenging times.

MSBDC advisors can assist businesses with disaster loan applications.

If you are not currently a client and would like to speak with a counselor, please find your region and reach out to the REGIONAL OFFICE SERVING YOU.

Berkshire Regional Office
33 Dunham Mall, Suite 103
Pittsfield, MA 01201
413-499-0933 | Fax: 413-499-3005

Central Regional Office
Clark University
The Carriage House, 125 Woodland Street
Worcester, MA 01610
508-793-7615 | Fax: 508-793-8890

Northeast Regional Office  (SPANISH-SPEAKING COUNSELOR)
Salem State University
121 Loring Avenue, Suite 310
Salem, MA 01970
978-542-6343 | Fax: 978-542-6345

Procurement Technical Assistance Center
Scibelli Enterprise Center
1 Federal Street, Building 1
Springfield, MA 01105
413-545-6303 | Fax: 413-737-2312

Southeast Regional Office
200 Pocasset Street
Fall River, MA 02721
508-673-9783 | Fax: 508-674-1929

Western Regional Office
Scibelli Enterprise Center
One Federal Street, Building 101
Springfield, MA 01105-1160
413-577-1768 | Fax: 413-737-2312



Reach out to other SCORE CHAPTERS throughout the state below.

SCORE Boston Chapter

SCORE Worcester Chapter

SCORE Northeastern Massachusetts Chapter

SCORE Southeastern Massachusetts Chapter

SCORE Western Massachusetts Chapter

SCORE Cape Cod Chapter

SCORE Rhode Island (Serving Fall River, New Bedford)



Eastern Massachusetts Center - Boston
44 School St., Suite 200
Boston, MA 02108

Central Massachusetts Center - Westborough
69 Milk St., Ste. 217
Westborough, MA 01581

Veterans Business Outreach Center of New England (VBOC of NE)
132 George M. Cohan Blvd.
Providence, RI 02903
Veterans Business Outreach Center (VBOC) (

Disclaimer: The SBA does not endorse the organizations sponsoring linked websites, and does not endorse the views they express or the products/services they offer.  All programs and services are extended to the public on a nondiscriminatory basis.