Pennies From Heaven: Financing Your Business?


The Wachusett Business Incubator is producing a series of informative events in 2020 in partnership with the Center for Women and Enterprise.

The series launches on March 13, 2020 from 9:00AM-11:00AM with a panel discussion entitled, “Pennie from Heaven: Financing Your Business.”

Join us to learn about financing options for your business!  Our panel of experts will speak to the different types of financing available for your business.  We will discuss how to pick the right type of lending institution, and how best to prepare for that conversation.  You will also learn about resources available to help you plan or grow your business.  We will answer topical questions that get to the heart of why you would consider outside financing in the first place.  Register for this Event

But you do not need to identify as a woman to be a part of this event, or to take advantage of anything else we offer!  Entrepreneurs and experts of all genders are welcome.


Our Featured Panelist: The Center for Women & Enterprise (CWE) is a nonprofit that helps women start and grow businesses. CWE offers one-on-one consulting, workshops, and networking opportunities for those looking to start or grow their business.  CWE will be represented by Michelle Miller, CWE Central MA Director. Michelle holds an M.A. in International Development and Social Change from Clark University. She ran a coffee shop for five years, in which she helped to shed light on working conditions in South America and provided vocational training to people with disabilities.  Michelle has managed economic development and rehabilitation programs in Massachusetts as well as in Colombia, Peru, and Nicaragua. These programs assisted victims of conflict in rebuilding their lives, providing such services as prosthetic donation and fitting, psychosocial rehabilitation, and microfinance.

Additional Panelists

David Lubelczyk, ImageIdentity, LTD: Known as the “Brain For Rent“, Dave is a one-man think-tank who converts obstacles into actions. He specializes in helping entrepreneurs, management teams, and business owners get unstuck.  He is a core member of the mentor team at the Wachusett Business Incubator where alongside executive director Scott M. Graves he assisted in the development of WBI’s Leadership Candidate Program and is developing a unique business planning tool, the Playbook.  Dave is a branding columnist, business author, brand strategist, idea incubation consultant, and President of IMAGEidentity, LTD.  For twenty five years, he has provided creative and consulting services to large corporations, non-profit organizations, and small start-up companies.  Dave’s book, MYOB: mind your own brand is a collection of articles designed to make the reader think differently about their brand.  Dave holds a Bachelor of Science degree in Business Administration and Marketing from Bryant University, and has completed several advertising design courses at Rhode Island School of Design.



Sandie Cataldo, Manager of Economic Development North Central MA Development Corporation: Sandie works with non-profits, state agencies, banks and credit unions as well as small business community to strengthen economic development on a regional level by encouraging job creation and retention.  Prior to the Development Corporation Sandie held the position of Business Development Coordinator for the City of Leominster for nine years.  She serves on the Board of Directors for Wachusett Business Incubator, a member of the North Central MA CRA Coalition, as well several economic development advisory committee.


Our entrepreneurial Ring-Leader: Scott M. Graves is currently the Executive Director of the Wachusett Business Incubator.  In this capacity he directs the organizations economic development programs, develops new pogromming and funding sources along with the team of mentors, staff, interns and board members assembled to tackle the most critical economic issues for North Central Massachusetts.  He is the host of the new podcast “WBI’s Are We Here Yet?” and offers a variety of public presentations on a number of tip-of-the-tongue social and economic issues.  He is a business owner in his own right, founder of the Arts Innovation Center and the New England Playhouse, a multi-disciplinary performing arts curriculum currently under development in Andover, MA.  His formative career years were spent as a performing artist and jazz educator.


Register for this Event