CF Loan Program
Community Futures offers financing and repayable loans of up to $1 million to support startups, existing businesses, and non-profits looking to launch a social enterprise or purchase a business. Loans are exclusively available from your nearest Community Futures office.
Apply for a Loan
To access loans and financing, contact your nearest Community Futures office directly.
Connect With Your Nearest CF Office
Search by Community Name
Tools & Templates
- Business Plan Template [automatic download in MS Word]
- Cash Flow Template [automatic download in MS Excel]
Rates, Terms and Eligibility
Varies by Community Futures office.
Micro Loans
Eligible clients from our Entrepreneurs With Disabilities Program can apply for up to $5,000 for business startup and growth expenses.
Other Funding
See funding opportunities from other sources.
How a Community Futures Loan is Different
As a developmental lender, we prioritize community economic development. Unlike traditional lenders, Community Futures offers flexible financing options tailored to your unique management team, business capacity, local market conditions, and cash flow. Lending decisions are made by local volunteers with a background in business who understand your community’s history and economy.
Our Criteria: The 5 C's of Lending
- Character: Your credit history, training and work history, and business experience.
- Capacity: Your ability to take on and repay debt.
- Conditions: The market where you plan to operate the business.
- Capital: Your net worth, equity and “sweat” equity.
- Collateral: We aim for a 1:1 security to loan principal ratio.
Loan Calculator Tool
Government Funding
Province of BC Funding Search Tool
Discover economic development funding and grants available from the Province of BC.
Grants and Funding from the Government of Canada
Explore various grants and funding opportunities offered by the Government of Canada.
BC Bid
An online marketplace for supplying the BC public sector.
PacifiCan Business Service Network
The PacifiCan Business Service Network (PBSN) is a group of independent organizations that receive funding from PacifiCan to help British Columbians start, grow, and expand their businesses. PacifiCan works closely with the PBSN to help entrepreneurs across B.C. receive the tools and support they need to succeed.
