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Loan Deferment Options

Please make sure all borrowers / co-borrowers are together when filling out this request. If you need additional assistance, please contact us at 1.800.992.3665 or loanservicing@capitalforchange.org.
 

I have a commercial loan

  • Multifamily
  • LIME
  • Nonprofit
  • Small Business
  • Eversource SBEA (Small Business Energy Advantage)

Go to commercial loan

I have a consumer loan

  • Home energy efficiency improvements (Insulation, Natural Gas conversion, Ductless Heat Pumps, Solar Installation, etc.) through the Home Energy Solutions (HES)
  • Smart-E
  • EnergizeCT HEAT
  • HES Landlord Loan Programs

Go to consumer loan

I want to apply for grant

  • Mortgage or lease payments
  • Inventory
  • Salaries or wages to employees
  • Improvements to allow business to increase or start take out/carry out services, physical improvements that would help the business meet social distancing requirements
  • Advertising or marketing expenses
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Eversource Energy Small Business Energy Advantage (SBEA) Program Loan Deferral Request & Attestation

By signing below, I/We agree and attest to the following terms and conditions:

  1. As a result of the National Emergency, declared, and announced by the President of the United States on March 13, 2020, pertaining to the novel coronavirus disease 2019 (COVID-19) outbreak in the United States, I/We hereby request that Eversource Energy and/or Capital for Change, Inc. defer monthly payments on my loan for the following 3 number of months (maximum 3).
  2. My/Our employment income, or the revenue of my/our company (if self-employed), has been negatively impacted by COVID-19, and as a result I/We am/are currently unable to maintain payments on my loan obligation.
  3. I/We understand that by deferring these payments the final loan payment, or “Maturity Date”, of my loan will be extended by the equivalent number of months. Please understand that your billing statement will carry over any deferred loan installments, until they are paid in full.
  4. This is only a short-term deferral of my/our loan payments, not a forgiveness of my/our loan payments.
  5. All SBEA loan provisions remain in effect, except as expressly stated in this document.
  6. The amount of my/our monthly loan payment will remain the same once my/our payments resume.
  7. My/our regularly scheduled payments shall resume 3 months from approval of this request.

Eversource Account #
Borrower Name
Co Borrower Name
Address
City
State
ZIP
Home phone number
Cell phone number
Email Address

Borrower signature

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Date: 01/16/2021

CoBorrower signature

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Capital for Change, Inc. Loan Deferral Request Commercial Lending Form

To our Borrowers:

At Capital for Change, our main priority is the well-being of our borrowers, our employees, our partners, and the communities we serve. This is an unprecedented time in history and, like you, we are working to take steps to help contain the COVID-19 infection and respond to its impact. As your lender, we will continually reassess how to best support you, the communities we serve, and our business interests. Our commitment to you will not waiver.
 

C4C Commercial Borrowers may apply for a 90-day deferral of all loan payments due to economic hardships related to COVID-19. To apply for a deferral, please fill out the attached form. One of the Commercial Lending staff will contact you within 48 hours to follow up on your request. Thank you and best wishes for your health during this difficult time.
 

Application

  1. As a result of the current state of emergency throughout the State of Connecticut, declared by Governor Ned Lamont pursuant to Executive Order No.7, dated as of March 12, 2020, in response to the Coronavirus disease 2019 (COVID-19) outbreak in the United States, I hereby request that Capital for Change, Inc., defer payments on my loan for a 90-day period beginning on 01/16/2021
  2. I am requesting this deferral because I am experiencing economic distress due to the impact of the COVID 19 virus that has caused one or more of the following:
    Closure of my business/nonprofit
    Illness
    Loss of rental income
    Unemployment
    Other
  3. Please describe your situation in one or two sentences
  4. In return for consideration of my loan deferral request, I hereby agree to cooperate with the lender and to execute any additional documents deemed necessary in lender’s sole discretion to modify or protect the collateral that secures my loan.

Borrower Name
Co Borrower Name
Address
City
State
ZIP
Home phone number
Cell phone number
Email Address

Borrower signature

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CoBorrower signature

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Energy Program Loan Deferral Request & Attestation

Fill out as much as you can so we can best assist you

By signing below, I/We agree and attest to the following terms and conditions:

  1. As a result of the current state of emergency, declared by the US Federal Government, and announced by the President of the United States on March 13, 2020, pertaining to the coronavirus disease 2019 (COVID-19) outbreak in the United States, I/We hereby request that Eversource Energy and/or Capital for Change, Inc. defer monthly payments on my loan for the following 90 days.
  2. My/Our employment income, or the revenue of my/our company (if self-employed), has been negatively impacted by COVID-19, and I/We am/are currently unable to maintain payments on my loan obligation.
  3. I/We understand that by deferring these payments the final loan payment, or “Maturity Date”, of my loan will be extended by the equivalent 90 days.
  4. This is only a short-term deferral of my/our loan payments, not a forgiveness of my/our loan payments.
  5. The amount of my/our monthly loan payment will remain the same once my/our payments resume.
  6. My/our regularly scheduled payments shall resume 3 months from approval of this request.

C4C Loan Account #
Eversource Account #
Borrower Name
Co Borrower Name
Address
City
State
ZIP
Home phone number
Cell phone number
Email Address

Borrower signature

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Date: 01/16/2021

CoBorrower signature

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Energy Program Loan Deferral Request & Attestation

By signing below, I/We agree and attest to the following terms and conditions:

  1. As a result of the National Emergency declared by the President of the United States on March 13, 2020, in response to the novel coronavirus disease 2019 (COVID-19) pandemic in the United States and the State of Emergency declared by the Governor of Connecticut on March 10, 2020 and subsequent Executive Orders pertaining thereto, I/We hereby request that The United Illuminating Company (UI) and/or Capital for Change, Inc. (C4C) defer monthly payments on my loan for three months.
  2. My/Our employment income, or the revenue of my/our company (if self-employed), has been negatively impacted by COVID-19, and as a result I/We am/are currently unable to maintain payments on my loan obligation.
  3. I/We understand that by deferring these payments the final loan payment, or “Maturity Date”, of my/our loan will be extended by the equivalent number of months noted in Section 1 above.
  4. This is only a short-term deferral of my/our loan payments, not a forgiveness of my/our loan payments.
  5. All contractual loan terms/provisions remain in effect, except as expressly stated in this document.
  6. The amount of my/our monthly loan payment will remain the same once my/our payments resume.
  7. My/our regularly scheduled payments shall resume 3 months from approval of this request.

C4C Loan Account #
UI Account #
Borrower Name
Co Borrower Name
Address
City
State
ZIP
Home phone number
Cell phone number
Email Address

Borrower signature

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CoBorrower signature

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What is the Hartford Emergency COVID-19 Small Business Assistance Program?

The Hartford Foundation For Public Giving, the City of Hartford, Capital for Change and HEDCO are working in collaboration to provide grant funding to help small businesses located within the City of Hartford that have experienced an adverse financial impact due to COVID-19. An initial pool of $1 million in funding has been assembled to support this effort, with the goal that additional resources will be raised for this program as well.

The grant program will be administered by Capital for Change (C4C), a Community Development Financial Institution (CDFI) located in Connecticut. C4C will be responsible for the management of an online application process, for sending out grant awards and coordinating follow-up/compliance efforts with the City of Hartford.

The targeted beneficiaries of this program are small, minority, women-owned businesses, businesses located in neighborhoods in Hartford, that have been adversely impacted by COVID-19 and either do not qualify, or have not been able to access fully, other resources provided by the Federal or State Government.

To achieve this goal, we recommend that businesses contact and work with Hartford technical assistance providers and small business/merchant groups to get any assistance that is needed to complete applications.

Technical assistance providers including HEDCO, SAMA, Blue Hill Civic Association, Upper Albany Merchants Association, Minority Construction Council, the University of Hartford Entrepreneurship Center and the Harford Chamber of Commerce are available to help businesses formally apply for the grant. Businesses can receive a grant to cover eligible business expenses and costs.

Announcement and Funding Awards (Tentative)

Identified technical assistance providers will begin working with businesses on April 27, 2020. The application portal managed by Capital for Change will be opened at 10:00 A.M. on May 4th to accept applications. Our goal is to notify applicants of grant awards on or before May 22nd.

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Language:

Hartford Emergency Small Business Emergency Assistance Grant Program

By signing below, I/We agree and attest to the following terms and conditions:

  1. Any conditions here like on other forms?

Section 1: Applicant Information

Business Name:
Business Address - ZIP Code:
Business Address - State:
Business Address - Street Address:
Business Phone:
Business Email:
Date Business Established:
Tax Identification Number(TIN):
DUN #:
Business Structure:




Type of business:





Briefly describe business:
2019 Gross Revenues:
2019 Net Profit/Loss:
Total Number of Employess:
Number of Women:
Number of Man:
Number of Minorities:

Section 2: Owner Information

1st Owner

Owner Name:
Owner SSN:
Owner Phone:
Owner Address - ZIP Code:
Owner Address - State:
Owner Address - Street Address:
Owner Gender Identification (not required):
Owner Ethnicity (not required):

2nd Owner (not required)

Owner Name:
Owner SSN:
Owner Phone:
Owner Address - ZIP Code:
Owner Address - State:
Owner Address - Street Address:
Owner Gender Identification (not required):
Owner Ethnicity (not required):

Section 3: Underwriting Concerns

Have you applied for any funding from Federal Programs, (PPP or SBA), State of CT, HEDCO, LISC or COVID-19 related support programs?


Have you been approved or received any funding?


If yes, how much were you awarded, from witch program?
Do you file Federal and State Income Tax Returns for Business Income(losses)?


If yes, please attach the two most recent signed Federal Tax Returns with the completed application

Does the Business currently owe Federal or State taxes?


Do the Business currently owe taxes to City of Hartford?


Is the Business currently operating?


Has the Business suffered an economic injury (losses) due to the COVID-19 Pandemic?


Please describe the economic injury (losses) below:

Describe how the grant will be used, if approved

Expense/Bill 1 Amount Actual/Estimated 1 Documentation Provided 1
Expense/Bill 2 Amount Actual/Estimated 2 Documentation Provided 2
Expense/Bill 3 Amount Actual/Estimated 3 Documentation Provided 3
Expense/Bill 4 Amount Actual/Estimated 4 Documentation Provided 4
Please provide the name, if applicable, to any organization or person who assisted you in completing this application:

Please attach both sides of your driver's license:

Section 4: Responsibilities of Grantees

  1. All grant awardees will be required to complete a Grant Agreement outlining all of the Awardees responsibilities associated with the receipt of this funding.
  2. Responsibilities include, but are not limited to spending funds on items identified in the completed application, keeping receipts and making records available for audit if requested.
  3. Grantee will also be required to complete two (2) surveys on the status of their business at the three (3) month and six (6) month anniversary of the receipt of grant funds. Surveys will be distributed by Capital 4 Change by email. Please complete and return as directed. They survey are important because they will be used to determine what other resources are required to support small business activities in Hartford.

By signing this application, you certify that all the information in your application and submitted with your application is true and correct to the best of your knowledge, and you will submit truthful information in the future.

Business Owner Signature

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Business CoOwner Signature

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Thank you for submitting your request. You will receive an email and follow up from our team.

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10 Alexander Drive
Wallingford CT 06492

P. (860) 233-5165

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