Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Sep 2026 |
| RSSD ID | — (none listed) |
| Address | 1780 Main Street, Springfield, MA 01103 Directions (Google Maps) |
| Website | www.commoncapitalma.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe could not read the website listed for this lender on 3 Nov 2026, so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.commoncapitalma.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.8 million in 10 awards from the U.S. Treasury's CDFI Fund, 1999–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $995,000 |
| 2014 | CDFI Program, Financial Assistance | $500,000 |
| 2012 | CDFI Program, Financial Assistance | $500,000 |
| 2011 | CDFI Program, Financial Assistance | $500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $600,000 |
| 2007 | CDFI Program, Financial Assistance | $367,523 |
| 2004 | CDFI Program, Financial Assistance | $52,000 |
| 2001 | CDFI Program, Financial Assistance | $500,000 |
| 1999 | CDFI Program, Technical Assistance | $50,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $11M |
|---|---|
| Total liabilities | $3.7M |
| Net assets | $7.3M |
| Total revenue | $2M |
| Notes and loans receivable, net (Part X line 7) | $6.9M |
| Program-related investments (Part X line 13) | $30,405 |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 22-3051402, filed as “COMMON CAPITAL INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $7.7M | $4.7M | $1.6M | $4.7M |
| Jun 2022 (990) | $10.4M | $6.8M | $3.2M | $5.3M |
| Jun 2023 (990) | $11M | $7.3M | $2M | $6.9M |
Total assets grew 43% from Jun 2021 to Jun 2023; notes and loans receivable rose 47%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $102,000 (40 loans) | All 7(a) lenders in Massachusetts: $100,000. Larger than the median loan of 20% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 14 → 12 | Rank among the 6 certified CDFIs in Massachusetts with SBA approvals in either period: 3 → 3. |
| Total assets, latest IRS Form 990 | $11M | Larger than 29% of the 17 other certified loan funds and venture funds in Massachusetts with a matched Form 990 (median $22.9M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 20% |
| SBA approvals then vs now | certified CDFIs in Massachusetts with SBA approvals FY2023–2026 | 5 | rank 3 → 3 of 6 |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Massachusetts | 17 | larger than 29% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 40 SBA-backed approvals for Common Capital, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 40 7(a) loans as the lender: $5.3M in total (gross amount approved), median $102,000
By fiscal year: FY2020 4 · FY2021 1 · FY2022 9 · FY2023 5 · FY2024 9 · FY2025 7 · FY2026 5.
What actually happened
- Size of its 7(a) loans: half were between $82,250 and $150,500, median $102,000 (40 loans)
- Term of its 7(a) loans: median 75 months (6 years) (40 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.25%, half between 9.00% and 9.50% (12 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 98% of its 7(a) loans had a fixed rate (40 loans)
- Young businesses: 75% of its 7(a) loans went to a startup or a business two years old or less (40 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (21, 52%)
- 7(a) Community Advantage (19, 48%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (10)
- Health care and social assistance (7)
- Transportation and warehousing (5)
- Manufacturing (5)
- Retail trade (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Hampden County, MA (24)
- Hampshire County, MA (8)
- Berkshire County, MA (6)
How this lender was matched in the SBA files: SBA lender ID 0188417: same name, state and city (SBA lists “Common Capital Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Common Capital, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Springfield and Massachusetts
- BOSTON IMPACT INITIATIVE FUND II LLCLoan fund · Jamaica Plain, MAEquity / venture investment, Small-business loansVerified
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cape & Islands Community Development Inc.Loan fund · Centerville, MASBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Children's Investment Fund, Inc.Loan fund · Boston, MAChild-care facility financingVerified
- Community Development and Affordable Housing Fund, LLCLoan fund · Brookline, MAAffordable housing development loansVerified
- Community Health Center Capital Fund, Inc.Loan fund · Boston, MAEnergy / solar / efficiency loans, Equipment loans, Nonprofit / community facility loansVerified
Work at Common Capital, Inc.? Link to this page
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