CBDC / Financing
Empowering Entrepreneurs and Small Businesses in Rural Atlantic Canada

We understand the challenges small businesses face when seeking financing. We offer loan programs and support services for entrepreneurs and businesses often overlooked by traditional banks. We’re more than just lenders. We help you navigate every step of the way. No matter where you are in your journey, reach out to your local CBDC to find out how we can help.

How to Apply for Business Financing
CBDC provides tailored financing, essential support, and advice.
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Contact your local CBDC for a consultation.
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Financial assistance is available in the forms of loans, loan guarantees and equity financing to existing and aspiring entrepreneurs.
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Guidance and coaching: We often advocate on behalf of our clients to other lending institutions or regulatory agencies.
Our Loan Programs

CBDC provides tailored financing, essential support, and advice.

Programs and services delivered by CBDCs may vary by region.
First Time Entrepreneur Loan

This program provides financial assistance for individuals starting their first business or buying an existing one. The loan helps first time small businesses overcome the barriers of traditional lending and offers the guidance needed to launch a successful venture.

Future Entrepreneur Loan

The Future Entrepreneur Loan supports young innovators in the Chaleur region with funding, mentorship, and flexible repayment—encouraging early business experience and community connections.

General Business Loan

The CBDC General Business Loan offers up to $150,000 in flexible financing for rural Atlantic Canadian businesses seeking to start, expand, or improve operations, helping support economic growth and job creation in local communities.

Immigrant Loan Program – Pilot Project

New to Canada? CBDC’s Immigrant Loan Program helps temporary residents aged 19+ launch seasonal or part-time businesses with funding and expert guidance.

Impact Loan Program

The Impact Loan supports entrepreneurs in Charlottetown, Stratford, and Cornwall with up to $50,000 in financing and no early repayment penalties. Fast, flexible, and designed for growth.

Impact Loan Program

Designed for businesses in Moncton, Dieppe, and Riverview, this loan program supports growth with fast approval, flexible repayment, and no early payment penalties.

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Frequently Asked Questions
What types of loans does CBDC offer?

CBDC offers a variety of flexible loan programs tailored to meet different business needs, including General Business Loans, First-Time Entrepreneur Loans, Youth Loans, and Social Enterprise Loans. Each program is designed to support businesses at various stages of growth, from start-up to expansion.

Who is eligible to apply for CBDC financing?

Eligibility typically includes entrepreneurs or organizations operating in rural Atlantic Canada. Specific programs may target first-time business owners, youth (ages 18–34), or social enterprises like non-profits and co-ops. Contact your local CBDC office to discuss your eligibility.

How does the loan application process work?

The process starts with a consultation at your local CBDC office. From there, you’ll submit an application, and then work with a CBDC advisor to review your business plan and finalize the financing details. We’re here to guide you every step of the way.

Can CBDC help with more than just financing?

Yes! In addition to loans, CBDC offers training and advisory services. Programs like the Entrepreneurial Training Fund (ETF) provide resources to strengthen your skills, improve digital security, and support long-term business success.

Our Impact
1,344
1,344 loan applications approved, supporting startups and business expansions.
$92.5M
Over $92.5M in financing distributed to small businesses across Atlantic Canada.
4,466
Jobs created and maintained in
Atlantic Canada.
4,776
Clients provided business counselling.
* Information provided by Atlantic Association of CBDCs Annual Report 2024 / 2025
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Success Stories

CBDCs have played a pivotal role in helping entrepreneurs and small businesses succeed and grow. Get inspired with a glimpse into their remarkable journey in the stories below.

Let us help you grow and thrive.

We offer tailored financing, expert business advice, and practical support to help your business succeed. Whether you’re starting, expanding, or innovating, we’re here to guide you every step of the way.

Let’s discuss how we can elevate your business together.