SEED, WCCU to hold business workshops WESTERLY — The South Eastern Economic Development (SEED) Corporation and Westerly Community Credit Union will hold two basic business workshops in Westerly aimed at assisting potential and existing entrepreneurs. The free workshops are being held in cooperation with the U.S. Small Business Administration, Rhode Island District Office, the Greater Westerly-Pawcatuck Area Chamber of Commerce, R.I. Small Business Development Center (RISBDC), R.I. Economic Development Corporation (RIEDC), Center for Women and Enterprise (CWE) and SCORE. Both workshops will be held at the Babcock-Smith House, 124 Granite St., on Wednesday, Nov. 13. The first of these workshops, “Learn the Fundamentals in Planning, Preparing, and Financing Your Business,” will be held from 10 a.m. to 1 p.m. Registration begins at 9:30 a.m. Breakfast and lunch will be provided free of charge to attendees. This workshop is geared toward helping potential entrepreneurs evaluate and understand the fundamentals of owning one’s own business. Information on how to get started, where and how to get financing and the loan application process will be presented. Attendees will also be provided with a free guide to writing a business plan and other materials.The second workshop, “Understanding the Purpose of Financial Statements and How They Can Help Determine the Health of Your Business,” will be held from 1:30 p.m. to 4:30 p.m. WCCU collecting toys to benefit charity WESTERLY — The Westerly Community Credit Union will be collecting donations of new, unwrapped toys and selling $1 paper medallions through Nov. 30 to benefit Minis Making A Difference charity. Donated toys will be accepted during regular business hours at all four WCCU branches located in Westerly, Richmond and South Kingstown. All toys and donations will benefit Toys for Tots and Children’s Wishes of Rhode Island.Minis Making a Difference is a 501(c)(3) nonprofit charity. Visit minismd.org for information on times and more ways to be involved. For additional information, contact Westerly Community Credit Union at 401-596-7000 or visit westerlyccu.com. Mystic Garden Club to hold annual greens sale MYSTIC — Designer wreaths, centerpieces, table tops, gifts, ornaments, greens and swag are available at the annual Mystic Garden Club sale on Dec. 6-7 at the Mystic Arts Center, located in the downtown area.Custom-designed wreaths are the centerpiece of the sale and are sought after by shoppers as far as New York. They are known for their originality and beautiful decoration. Buyers may choose from the many pre-decorated creations, or they can have their wreath custom made from hundreds of choices of ribbons and accessories. Many shoppers have their wreaths designed to coordinate with their home’s color and style.Specially designed centerpieces and ornaments are an annual favorite and continue to be a draw for decorators. The sale runs from noon to 3 p.m. on Friday, Dec. 6, and 9 a.m. to 2 p.m. on Saturday, Dec. 7. The club will continue to sell wreaths through this Tuesday that will be delivered to your door by Sunday, Dec. 1. Wreaths come in a variety of sizes and are sprayed with Wilt-Pruf so they will last throughout the holidays. For more information, contact Linnea Lindstrom at 860-857-4375 or firstname.lastname@example.org. J.C. Penney to offer discount to active military, veterans J.C. Penney is offering all current and former military personnel and their families a special discount to say “thank you for your service.” Veterans and their family members can receive 20 percent off on in-store purchases (some exclusions may apply) Nov. 6-11. A military identification or proof of service must be presented for the discount to be honored. U.S. Small Business Administration seeks nominations for R.I. Small Business Awards PROVIDENCE — Nominations are being accepted by the U.S. Small Business Administration (SBA) for the 2014 Rhode Island Small Business Person of the Year and other small business awards. Winners will be honored during the Rhode Island Small Business Week celebration in the spring of 2014. The Nomination deadline is Friday, Nov. 22. Awards will be presented in 11 categories. Any individual or organization dedicated to the support of the small business community may submit nominations for these prestigious awards. The other awards include Entrepreneurial Success Award, Jeffrey Butland Family-Owned Business of the Year, SBA Young Entrepreneur of the Year, Small Business Exporter of the Year, Minority Small Business of the Year, Veteran Small Business of the Year, Home-Based Small Business of the Year, Women-Owned Business of the Year, Microenterprise of the Year and Financial Services Champion of the Year.The Rhode Island Small Business Person of the Year will also have the opportunity to participate in the National Small Business Week activities and will compete for the National Small Business Person of the Year Award.Award guidelines and nomination forms are available from the SBA Rhode Island District Office by calling 401-528-4561 or by e-mailing Matthew Spoehr at email@example.com. Wash. Trust finances Smithfield Common tenants WESTERLY — Washington Trust’s Commercial Real Estate Group recently provided $7.2 million in financing to Linear Retail Smithfield LLC for tenant improvements to Smithfield Commons, a 35,130-square-foot shopping center located at 400 Putnam Pike in Smithfield. Over the past several years the building has been renovated to provide space to new tenants such as Starbucks and Sienna Restaurant. Other major tenants include Papa Gino’s, Concentra, Verizon, Sprint, H&R Block, UPS and Sovereign Bank.“Smithfield Commons is located in a well-developed area of Smithfield, less than a mile from Interstate 295 off Route 44,” said Joseph J. MarcAurele, Washington Trust chairman, president and CEO. “It’s a convenient location offering shoppers a mix of both well-known national and regional retailers as well as local shops.”Washington Trust’s Commercial Real Estate Group provides commercial real estate mortgages for the construction, refinancing, or purchasing of investment real estate projects. Financing ranges in size from several hundred thousand dollars up to multi-million dollar projects. For more information, contact Laurel Bowerman, vice president, Commercial Real Estate Group, 401-654-48-47 or 1-800-475-2265, ext. 8247. SBA Lending Matchmaker Fair to be held Nov. 21 PROVIDENCE — The Small Business Administration-Rhode Island is holding a lending matchmaking fair for those owning a small business, those looking to start one or those in need of capital on Nov. 21 from 12:30 to 4 p.m. at the Warwick Public Library, 600 Sandy Lane in Warwick.Participants meet with lending officers in 15-minute increments and pitch their loan request. Conversation between the small business owner and the lender will ensue to see if a deal can be made. Each participant will be able to meet with up to six lenders, as well as with members of organizations that provide consulting and mentoring at no charge.Recommended to bring are a copy of your business plan and financial statements for existing businesses; startup businesses should bring at least an outline of their business idea as well as any financial projections if possible; and all participants must complete the registration form in its entirety. Pre-registration for the event is mandatory. Space and appointments are limited to the first 50 registrants. To receive the registration form or for more information, call 401-528-4561 or email firstname.lastname@example.org. Nov. 22 deadline to apply for Elevator Pitch Contest PROVIDENCE — The 2014 Rhode Island Business Plan Competition is calling for applications for its annual Elevator Pitch Contest, set for Dec. 4 at the Beta spring office, 95 Chestnut St. A total of $1,000 will be awarded to the top presenters. Presenters at the event get to pitch their business ideas in 90 seconds to a panel of expert judges and receive immediate feedback. It’s a great opportunity to practice before a live audience and get constructive advice.Applications are due by 5 p.m. on Friday, Nov. 22. Participation is free and open to anyone age 18 or older. Those interested in attending only are also encouraged to register. To participate or attend, register at ri-bizplan.com. Meet the Doulas Night scheduled WAKEFIELD — Meet the Doulas Night, an informational meeting for parents-to-be at which they can learn more about how a doula can help their family, is scheduled for Friday, Dec. 6, at All That Matters Yoga and Holistic Health Center, 315 Main St. Attendees are encouraged to ask questions at the event, at which attendees will have the chance to meet several members of Doulas of Rhode Island. To RSVP, email email@example.com.