October 2020
Live, Work, Thrive
Your Monthly Update
from the Community Development Partnership
A Word from Jay...
For those of us who live on the Lower and Outer Cape year-round, September and October are treasured months when we slow down a bit, enjoy the beautiful weather and express gratitude for another successful summer season that will help us get through the lean winter months.

This September, however has been very different as residents and small business owners attempt to plan for a winter filled with uncertainty and with fewer financial resources. At the CDP, we are hard at work to support our year-round community through this winter.

I am pleased that the CDP was selected by the Town of Truro to administer over $400,000 in Community Development Block Grant funds for small business relief. Forgivable loans of up to $10,000 are available to small businesses owned by low- to moderate-income residents of the Lower Cape with five or fewer employees. We are now accepting applications and you can learn more about this program below.

This past spring, we facilitated a working group of representatives of all Lower Cape towns to develop emergency rental assistance programs that can fill some of the gaps in RAFT – the State’s rental assistance program. Municipal funds will help families earning above 80% of Area Median Income and we are pleased that the Hyannis-based Housing Assistance Corporation who administers the RAFT program, will now have staff based in Orleans who can be more responsive to Lower Cape residents.

Through the winter we will continue to keep in close contact with the 100 families living in the affordable and community housing units we manage. Through our partnership with Homeless Prevention Council we will help our residents connect with rental assistance, fuel assistance, supplemental nutrition assistance and other programs for families in financial distress.

These are just two of the ways that the CDP is building a diverse year-round community of people who can afford to live, work and thrive on the Lower and Outer Cape. Your support of our efforts has never been more critical.
Jay Coburn
Chief Executive Officer
Supporting Local Business
Shoal Hope Ciderworks: Answering the crisis with innovation
All of this happened and it takes the wind out of your sails. But you don't slow down - you innovate.”

Rob Brosofsky
Owner, Shoal Hope Ciderworks
Never much of a beer drinker, Rob Brosofsky got hooked on hard cider while travelling through Europe for work. He noticed that the traditional style of cider he had abroad was much dryer than the major brands in the United States. He soon started making dry cider in the basement of his home as a hobby. As his skill for small scale production increased, the idea came to him to turn his hobby into a business.

In 2016, having worked for other people for nearly 30 years, Rob decided it was time to become his own boss. “My corporate job just wasn’t fulfilling anymore,” says Rob, “I was finally in a position financially where I was able to walk away.” He left his lucrative corporate job at a Fortune 200 company, pursued his personal passion and founded Shoal Hope Ciderworks.
*Photo: Rob conducting a tasting at a liquor store before the outbreak of coronavirus
Housing Rehab helps new homeowners
address needed repairs
People always tell me its too good to be true, but I'm living proof.”

Monica Montoya-Quintero
Housing Rehab Client
The Community Development Partnership’s Housing Rehab program provides forgivable loans to year-round low to moderate income homeowners on the Lower Cape whose homes need critical repairs. The coronavirus pandemic has forced the program to change its operations, but it hasn't stopped us from providing this critical service to Lower and Outer Cape residents.

Monica Montoya-Quintero lives in Eastham with her husband and their two children and received a housing rehab loan this summer. Monica and her husband relocated to our community seven years ago just before having their first child. “We decided to move when we were starting our family,” Monica recalls. Like many young parents, they wanted to raise their kids in the safety of a small town. They also wanted to move closer to Outer Cape where Javier was working in construction. He now works for Peter’s Property Management, a local business in Provincetown.
*Photo: Monica's home after the renovations
Supporter Spotlight
Supporter Spotlight: Paul Ruchinskas
"With the CDP, we know that our donation is being used on Cape Cod with tangible programs that support important economic sectors as well as affordable housing."

Paul Ruchinskas
CDP Board
Paul Ruchinskas, a long time CDP supporter and Board Member, has been a staunch advocate for affordable housing for much of his career. 

Originally a school teacher, Paul began his second career working for the Falmouth Housing Trust after studying community development at Yale. He returned to the Cape in 2001 to serve as the affordable housing specialist for the Cape Cod Commission having worked for community development organizations in New Haven and Worcester.

Paul and his wife Loretta met as Vista volunteers at an anti-poverty agency in Ohio. When Lorretta’s parents died, she and Paul bought a piece of land in Brewster and held onto it with the intention that one day they would build a house and settle there. The Cape was their preferred summer destination. “I remember driving over the bridge and that calming me down,” reflects Paul.
Other Important News
Forgivable Loans for Small Business
If you own a business in one of the eight Lower Cape towns (Brewster, Harwich, Chatham, Orleans, Eastham, Wellfleet, Truro, Provincetown), you might qualify for a forgivable Micro-enterprise grant or loan up to $10,000.

The Town of Truro has been allocated $400,000 to be administered by the CDP to businesses on the Lower and Outer Cape. This program is funded by Community Development Block Grant (CDBG) funds administered by the Massachusetts Deptartment of Housing and Community Development.

Applicants must meet the following criteria to apply:

  1. Applicant must make less than 80% of the area median income
  2. Business must have five or fewer full-time employees
  3. Business must be able to show losses as a result of the COVID-19 pandemic

Applications will be reviewed on a first come first serve basis. Funds are limited so apply as soon as possible. If you have any questions email pam@capecdp.org.

Business & Credit Workshops
Update on Business & Credit Workshops
In response to the evolving impacts of the Coronavirus, the CDP has shifted all trainings, workshops, technical assistance sessions, and appointments to a virtual platform until further notice. The status of in-person events may be changed in accordance with guidance from state and local officials.

We remain committed to serving our business clients and our community. Staff is now working remotely and will continue our existing programs and services while also responding to the evolving challenges that this pandemic presents.

If you would like to schedule an appointment, please reach out to Pam Andersen at pam@capecdp.org or 508-240-7873 x18.
Developing Your Plan B
Across the Lower Cape businesses have been impacted by the Coronavirus pandemic, resulting in varying levels of hardship. While businesses have adapted their business models, purchased additional supplies to protect patrons and staff, and applied for financial assistance through federal programs, for many there is a lingering concern that these efforts will not be enough to sustain them until next season. Many businesses are at the point where they need to assess and develop a Plan B.

The Community Development Partnership and SCORE Cape Cod and the Islands are joining together to host a workshop that will explore the elements of a Plan B. This will cover two principal concepts:

  • Business triage, or how to position yourself to generate sufficient cash flow to continue
  • Options to consider if generating sufficient cash flow to continue is not possible.

Date: October 8
Time: 6:00 - 7:00 PM
Where: Remote via Zoom
Cost: FREE

QuickBooks Online
QuickBooks is the most widely used financial software application for small business today. We have broken the topics into two sessions. The first session is a basic introduction to the software and how to get started. The second session will cover some more advanced topics tailored to the workshop attendees and will include a question and answer session.

  • Introduction to QuickBooks Online, October 20 and November 17
  • Intermediate QuickBooks Online, December 1

Time: 5:00 - 6:30 PM on specified date
Where: Remote via Zoom
Cost: $25 for three sessions

Digital Pivots
In the age of coronavirus, many businesses have pivoted some or all of their business online. With so many different options out there it can be difficult to know what is best for you. The CDP has partnered with Narrow Land to help give you the resources you need!

The three session workshop series includes:

  • Low Cost E-Newsletter with Mail Chimp, October 22
  • I Need a Website, October 29
  • Digital Tools for Small Business, November 5

Time: 5:00 - 6:15 PM on specified date
Where: Remote via Zoom
Cost: $10 per session, $25 for all three, scholarships available

Cape and Islands Green
Merging business marketing opportunities with sustainable business practices.
This workshop will educate and encourage you to engage in sustainable business practices to reduce your business's impact on the natural environment.

Topics include:

  • Solid waste minimization
  • Water and energy conservation
  • How to market a green business

We partner with the Cape Light Compact to share their expertise about how to reduce energy consumption. The workshop will also layout steps to take to become Cape & Islands Green verified. 

After the workshop, our professional team is also available to guide you through the process of becoming Cape & Islands Green verified. Once your business is verified, you will have the opportunity to market your business using the Cape & Islands Green brand which appeals to energy conscious consumers.

Date: November 12
Time: 5:00 - 7:00 PM
Where: Remote via Zoom
Cost: $75 for businesses with 10 or fewer employees

Business Legal Consultations
Attorney Melanie O'Keefe from the law firm La Tanzi, Spaulding and Landreth will be hosting free 30-minute consultations to answer questions related to small business law including:

  • Best orginizational format for your business
  • Partnership agreements
  • Liability issues

Dates: October 13 and November 10
Time: 9:30 AM - 11:30 AM
Where: Via phone call

To book your FREE 30-minute consultation call or email Marina at WE CAN - 508-430-8111 or marina@wecancenter.org
Additional COVID19 Resources for Businesses
We have created a separate page on our website that is a compilation of resources for local businesses, including various SBA, unemployment and other federal programs.
If you or someone you know is interested in receiving weekly updates from our Business and Credit Program that are targeted to small businesses, please sign up for our Inside Scoop.
Thank you for supporting our efforts to support the Lower Cape community during this crisis.