E-Newsletter
An Electronic Publication of the North Central Massachusetts Chamber of Commerce
Inside this edition, you’ll discover the latest Chamber initiatives and success stories from across our region. From economic development projects and upcoming networking events to policy updates and workforce training opportunities, we’re keeping you connected to what matters most for your business and North Central Massachusetts.
The North Central Massachusetts Chamber of Commerce is here to help – with trusted resources, a strong business network, and a support system to keep your business and the region moving forward
MANUFACTURING COUNCIL: In March. we launched the Manufacturing Council of North Central Massachusetts to enhance the Chamber’s support of the manufacturing industry and the regional economy. The council operates as a special interest group within the Chamber and is open to members and non-members working or interested in learning more about the manufacturing industry. Members will have the opportunity to network with peers, participate in tours of manufacturing facilities to learn best practices, attend quarterly meetings featuring experts in the industry, gain exclusive access to policy leaders, and collectively advocate for the industry. The first meeting of the council was held in March at Burkart-Phelan, Inc in Shirley. Christine Nolan, director of the Mass Center for Advanced Manufacturing was the featured speaker at the March meeting. A tour of Burkart-Phelan, Inc. was also included as part of the program. The next quarterly program is scheduled for June 3 and will feature a legislative briefing geared towards manufacturers. Members interested in participating should contact Valerie Bruno at 978.353.7600 ext. 235 or via email at .
NEW LOANS: The North Central Massachusetts Development Corporation (NCMDC), the Chamber’s economic development arm, has approved and closed 13 loans for a total of $594,500 for the year to date through April. The majority of the loans were micro-loans made through our traditional lending programs and focused on supporting start-up and existing small businesses in need of capital. These loans leveraged $50,095 of private borrower funds and from our banking partners. The RBIF loan was the largest loan at $250,000 (See next section for details). The NCMDC has another $1,405,000 in leads/deals in its pipeline and another $200,000 in loans approved, but not yet closed. We currently have a total of 96 loans in our loan portfolio with a total principal balance of $3,027,337.92.
REGIONAL BUSINESS INVESTMENT FUND: The loan granted through the Regional Business Investment Fund (RBIF) for $250,000 was made to a developer and owner of a three-story mixed use building in Downtown Gardner. The funding provided under the RBIF will be used to fit up commercial space in the building for use as a restaurant. The developer is also converting the top floors into 14 units of housing. This loan is leveraged with an additional $1.9 million in financing from a traditional lender.
LATINX OUTREACH: As part of our effort to reach the LatinX community, we have strengthened our ties with organizations such as LABO (Latin American Business Organization) and Amplify Latin X. We participated in the Annual LABO Expo at the DCU Center on Saturday, April 27 as an exhibitor and will be attending Amplify LatinX’s annual Latino Summit on May 21 as guests. On a local level, the Chamber/NCMDC sponsored an event hosted by Fitchburg based nonprofit organization “Centro Celeste” on April 20. Centro Celeste is a Uruguayan Non-Profit organization aimed to advance the dense Uruguayan population of North Central Massachusetts.
TECHNICAL ASSISTANCE: Our economic development team continues to provide guidance and support to existing and start-up businesses. For year to date, our team has provided 1,067 hours of technical assistance. We also continue to connect our clients to partners such as NewVue Communities, the Small Business Development Center (SBDC), and the Center for Women and Enterprise (CWE) for services such as business plans, projections, marketing plans, growth and others subjects. In addition, we also continue to connect with professionals who can provide technical assistance beyond the scope of what we can do directly, including services for marketing, public relations, website/media design, bookkeeping and legal.
ONLINE TRAINING: In the Spring, we launched Initiate Prosperity, an on-line technical assistance program. Initiate is a proven online technical assistance tool with over 300 resources to include interactive tools, templates, videos and guides, also provided in Spanish. To date, we have had 13 small businesses that have signed to take advantage of the platform. Access to the platform is complementary for Chamber members and NCMDC clients to use. Email our team at to request access to the online platform.
TECHNICAL ASSISTANCE SCHOLARSHIP GRANTS: The NCMDC continues to offer scholarship mini-grants between $500 – $5,000 to our borrowers to assist with technical assistance. These Scholarship Grants can be used to pay for services such as training on social media platforms, understanding bookkeeping and QuickBooks, learning to create a strategic marketing plan, and more training opportunities provided by our trusted consultants. Since January, we have approved one new grant to a small business for software management training.

Christina DiRusso, vice president of commercial lending at bankHometown, was recognized with the NCMDC’s Banker of the Year Award in recognition of her active involvement and support of the NCMDC.
ENTREPRENEUR AWARDS RECEPTION AND RESOURCE SHOWCASE: We hosted our inaugural Entrepreneur Awards Reception and Resource Showcase event on March 28 at the DoubleTree Hotel. The event brought together NCMDC loan clients, entrepreneurs, community leaders, chamber members and resource partners for an evening of celebration and networking. From lending institutions to professional service providers, attendees had access to many resources and expertise to help them overcome challenges and achieve their entrepreneurial goals. The evening culminated with an awards presentation, where several NCMDC loan clients were recognized for their remarkable achievements and contributions. NewVue Communities was acknowledged as our Community Partner of the Year and Christina DiRusso was recognized as the 2024 Banker of the Year. The reception proved a valuable opportunity for attendees to build new connections, find solutions for their businesses, and celebrate the entrepreneurial spirit that fuels economic growth. Thank you to the sponsors that helped support this new event.
WELCOME SIGNS: As part of our community development efforts, we once again were able to sponsor the construction of a number of welcome signs in member communities. Signs were recently completed in Lunenburg and Pepperell, and we are looking to continue this initiative in several more communities in the coming months.

Hundreds of college students, high school students and a diverse mix of job seekers from throughout the region were able to connect with employers and resource providers about employment and career opportunities at last year’s Work North Central; Career & Hiring Event
CAREER & HIRING EVENT: We have tentatively scheduled the Work North Central Career & Hiring Event for October 9, 2024 at the Mount Wachusett Community College Campus in Gardner. We are expanding the annual hiring event to include more career exploration. We are hoping to include more schools this year and other organizations that focus on supporting individuals with employments, including supported employment agencies, veterans’ groups and others. Members interested in participating should contact Valerie Bruno at 978.353.7600 ext. 235 or via email at to learn more or to reserve space at the event.
JOBS BOARD: Nearly 300 jobs are currently listed on our WorkNorthCentral.com online jobs board and over 12,000 jobs have been posted since we launched the online resource. The jobs board continues to be one of the most visited sections of our website. We also continue to post the jobs on a Work North Central Facebook page that we have established. Postings are complimentary for members. Contact us if you would like more information. Members can visit WorkNorthCentral.com to post their opportunities or email them to Sabbra Reyes at and she will post them for you.
SOLAR: From its inception in August 2014 through March 2024 the solar field on Pleasant St. has produced 13,610,346 kWh of Net Metering Credits to the manufacturers participating in the program. The collective savings to participants totals $2,806,006.
CHAMBER GIFT CARDS: We currently have 34 members merchants that are participating in the Gift Local eGift Card program. Since January 1, we have sold 52 gift cards valued at $2,180. During the same timeframe, 29 cards valued at $909.72 were redeemed at participating small businesses. Members interested in participating in the Gift Card program should contact Maureen Babcock for more information at 978.353.7600 ext. 222 or email . There is no charge to participate and accept the Gift Cards.
MEMBER DISCOUNTS: Members interested in participating in the member to member discount program should contact Maureen Babcock at . This program is designed to encourage members to buy from other members to save money, increase visibility and promote new business for their company. We ask that any discounts offered be exclusive, or nearly so, to the member-to-member program.
Fitchburg | Chamber of Commerce | North Central Massachusetts | North Central Massachusetts Chamber of Commerce | Chamber Updates | Manufacturing Council | Chamber Updates | New Loans | Regional Business Investment Fund | LatinX Outreach | Technical Assistance | Technical Assistance Scholarship Grants | LatinX | Online Training | Entrepreneur Awards Receptions and Resource Showcase | Welcome Signs | Career & Hiring Event | Jobs Board | Solar | Chamber Gift Cards | Member Discounts
Low-interest disaster loans from the U.S. Small Business Administration (SBA) are available to businesses and residents in Massachusetts following the announcement of a Presidential disaster declaration due to severe storms and flooding that occurred on Sept. 11-13, 2023.
“SBA’s mission-driven team stands ready to help Massachusetts small businesses and residents impacted by this disaster in every way possible under President Biden’s disaster declaration for certain affected areas,” said SBA Administrator Isabel Casillas Guzman. “We’re committed to providing federal disaster loans swiftly and efficiently, with a customer-centric approach to help businesses and communities recover and rebuild.”
The disaster declaration covers Bristol and Worcester counties in Massachusetts, which are eligible for both Physical and Economic Injury Disaster Loans from the SBA. Small businesses and most private nonprofit organizations in the following adjacent counties are eligible to apply only for SBA Economic Injury Disaster Loans (EIDLs): Franklin, Hampden, Hampshire, Middlesex, Norfolk and Plymouth in Massachusetts; Tolland and Windham in Connecticut; Cheshire and Hillsborough in New Hampshire; and Bristol, Newport and Providence in Rhode Island.
Disaster survivors should not wait to settle with their insurance company before applying for a disaster loan. If a survivor does not know how much of their loss will be covered by insurance or other sources, SB can make a low-interest disaster loan for the total loss up to its loan limits, provided the borrower agrees to use insurance proceeds to reduce or repay the loan.
Customer Service Representatives at SBA’s Business Recovery Centers will assist business owners complete their disaster loan application, accept documents, and provide updates on an application’s status. The Centers will operate as indicated below until further notice. Walk-ins are accepted, but you can schedule an in-person appointment at an SBA Disaster Recovery Center in advance.
Businesses and private nonprofit organizations of any size may borrow up to $2 million to repair or replace disaster-damaged or destroyed real estate, machinery and equipment, inventory, and other business assets.
For small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private nonprofit organizations, the SBA offers Economic Injury Disaster Loans (EIDLs) to help meet working capital needs caused by the disaster. Economic Injury Disaster Loan assistance is available regardless of whether the business suffered any physical property damage.
Disaster loans up to $500,000 are available to homeowners to repair or replace disaster-damaged or destroyed real estate. Homeowners and renters are eligible for up to $100,000 to repair or replace disaster-damaged or destroyed personal property.
Interest rates are as low as 4% for businesses, 2.375% for nonprofit organizations, and 2.5% for homeowners and renters, with terms of up to 30 years. Interest does not begin to accrue, and monthly payments are not due, until 12 months from the date of the initial disbursement. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition.
Building back smarter and stronger can be an effective recovery tool for future disasters. Applicants may be eligible for a loan amount increase of up to 20% of their physical damages, as verified by the SBA for mitigation purposes. Eligible mitigation improvements may include a safe room or storm shelter, sump pump, French drain or retaining wall to help protect property and occupants from future disasters.
“The opportunity to include measures to help prevent future damage from occurring is a significant benefit of SBA’s disaster loan program, said Francisco Sánchez, Jr., associate administrator for the Office of Disaster Recovery and Resilience at the Small Business Administration. “I encourage everyone to consult their contractors and emergency management mitigation specialists for ideas and apply for an SBA disaster loan increase for funding.” With the changes to FEMA’s Sequence of Delivery, survivors are now encouraged to simultaneously apply for FEMA grants and the SBA low-interest disaster loan assistance to fully recover. FEMA grants are intended to cover necessary expenses and serious needs not paid by insurance or other sources. The SBA disaster loan program is designed for your long-term recovery, to make you whole and get you back to your pre-disaster condition. Do not wait on the decision for a FEMA grant, apply online and receive additional disaster assistance information at sba.gov/disaster.
Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.
The filing deadline to return applications for physical property damage is July 15, 2024. The deadline to return economic injury applications is Feb. 18, 2025.
SBA Disaster Loans Fact Sheet (English) SBA Disaster Loans Fact Sheet (Spanish)Chamber of Commerce | North Central Massachusetts | North Central Massachusetts Chamber | Business Growth | Business Development | Business Technical Assistance | Business Resources | Massachusetts Business Environment
The North Central Massachusetts Development Corporation (NCMDC), the economic development arm of The North Central Massachusetts Chamber of Commerce announces financing of $150,000 to Mark Lafrennie of Gardner, MA for the purchase of the lawn care business portion of J. Martin Landscaping of Westminster, MA.
J. Martin Landscaping, in business for over 30 years, offers lawncare and landscape construction services, and operates a retail garden center—The Brook Bound Nursery and Garden Center at 170 State Road East.
Under the terms of the sale agreement, Mark Lafrennie, a 20-year employee and Manager of J. Martin Landscaping, is purchasing the lawn care portion of the business, which includes lawn care, plantings, seeding, clean-up, mulch application, show plowing, sanding and salting. The new business will be known as M. Lafrennie Landscaping and be located at 530 Pearl Street in Gardner, MA.
Jay Martin will continue to own and operate the landscape construction and retail garden center in Westminster.
“We are thrilled that the North Central Massachusetts Development Corporation could support Mark with the funds needed to keep this well-established business moving forward,” said Roy M. Nascimento, president and CEO, North Central Massachusetts Chamber of Commerce. “With a strong client base and excellent reputation, it is wonderful to see respected local businesses change hands successfully, keeping the spirit of small business ownership alive and thriving in North Central Massachusetts.”
Como entidad de microcréditos, NCMDC puede otorgar préstamos a pequeñas empresas de hasta $250,000 para capital de trabajo, bienes inmuebles, equipo, inventario y expansión, además de colaborar con nuestros socios bancarios para proporcionar financiamiento puente para la etapa final de un proyecto.
“I am very grateful to the North Central Massachusetts Development Corporation for helping me achieve this milestone of business ownership,” remarked Lafrennie. “For the last 20 years, Jay Martin has been a great friend and mentor, and I am proud to carry on his legacy of great service to our loyal customers.”
For more information about the NCMDC loan programs, please call 978.353.7607 or visit NorthCentralMass.com or ChooseNorthCentral.com.
Fitchburg, MA | Chamber of Commerce | North Central Massachusetts | North Central Massachusetts Chamber | Massachusetts Business | Local Business | J. Martin Landscaping| Business Growth | Business Development | Business Technical Assistance | Business Resources | Business Financing | Westminster, MA | Gardner, MA | North Central Massachusetts Development Corporation
When the workday ends and the lights go down, Custom Cleaning Service of Peabody, Inc. gets to work. “We operate as our clients’ silent partner after business hours,” says Adam Paicos, of Templeton, who now serves as Director of Operations and oversees the company’s expansion into North Central MA. “We are not often seen, but we ensure facilities are clean, secure, and ready for business each day while serving as the eyes and ears for our clients when they are not on site.”
Discover local business stories through our Inside North Central Massachusetts Podcast series. Listen as Chamber members share their journeys, insights, and contributions to our thriving regional business community.
Looking for your next opportunity? Explore current job openings from employers across North Central Massachusetts on our Jobs Board. Whether you’re starting a new career or making a change, you’ll find a variety of local positions available to help you take the next step.
CapEx Facility Services & Construction · Leominster, MA
TaraVista Behavioral Health Center · Harvard, MA
DRS Power Technology, Inc. · Fitchburg, MA
AIS · Leominster, MA