Rural EDP Business Loans

We are not your traditional bank...

When your local Community Futures staff and volunteer board assess the merits of your loan application, they take into account our own version of the classic banking industry guidelines called “The Five C’s of Lending”: Character, Capacity, Conditions, Capital and Collateral. 

Because we are developmental lenders – and because community economic development is our number one priority – we are able to interpret and prioritize lending criteria a bit differently than traditional banks. Click here for more insight about the criteria we will use when we look at your loan application.


To be eligible for an Rural EDP Business Loan, the business

  • must be located in a Community Futures service area
  • must demonstrate economic viability
  • must have adequate loan security and owner investment
  • owner has self-identified and self-disclosed a disability or ongoing health issue

The Community Futures Loans Program requires start-up business owners to demonstrate commitment through research, planning and resourcing their business plan.


To apply for a Community Futures Rural EDP Loan, the business owner must provide

  1. the Community Futures loan application and application fee
  2. a business plan, including operations, management, marketing and competition
  3. the cash flow forecasts for new and expanding businesses
  4. business costs breakdown and verification
  5. proof of security for the loan amount requested
  6. a credit summary prepared by the Community Futures Business Analyst


Completed applications are presented by the Community Futures Business Analyst to the Loans Committee for the final decision. Requests may be denied if the Committee deems the risk of failure is too great; security is inadequate for the loan; due diligence has not been reasonably completed; or if the project does not fully meet the Community Futures program criteria.


1. What is the maximum loan I can get for my business?

Community Futures have a lending limit of $150,000. The borrower must have security for any loan--for large loans, we look for dollar to dollar security or guarantees to match the loan amount requested.

2. How do I know if the loan amount I am requesting is realistic for my situation?

The Community Futures Business Analyst will determine if your business is viable and can repay the loan amount requested.  

The Business Analysts will examine your business plan and recommend the appropriate level of financing, how much Community Futures is willing to lend and how much you need to bring to the business from other sources.

3. Why should I ask for the EDP loan?

EDP loans are more flexible to provide more opportunity for people with disabilities who may not meet traditional loan approval criteria (credit scores, adequate security, etc.). Furthermore, persons with disabilities applying for the EDP loan may be eligible for additional entrepreneurial training paid for by Community Futures. 

4. What if my application is turned down?

The Community Futures Business Analyst will promptly inform you why you were rejected for financing. You may reapply once you have addressed weaknesses in  your application. 

Please visit your local Community Futures and meet with the Business Analyst to discuss your business financing needs. 



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About Community Futures

For over 30 years, we’ve been fostering entrepreneurship in rural BC. We offer small business loans, business counseling and specialized programs to help you start or grow a business, and to help communities become more resilient and dynamic. Find out more…

Contact us

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#C230 - 7871 Stave Lake St.
Mission, BC  V2V 0C5

T: 604-289-4222
T: 1-888-303-2232


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