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 expert guidance.
1
Contact your local CBDC for a consultation.
2
Financial assistance is available in the forms of loans, loan guarantees and equity financing to existing and aspiring entrepreneurs.
3
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 expert guidance.

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.

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.

Innovation Loan

The CBDC Innovation Loan provides up to $150,000 to help rural Atlantic Canadian businesses adopt new technologies, improve productivity, enhance services, train staff, and support infrastructure upgrades to remain competitive and drive economic growth.

Self-Employment Program

Self-Employment (SE) is a program which provides various types of support to eligible unemployed Atlantic Canadians during the initial phase of their business, including financial assistance, counselling and technical advice.

Social Enterprise Loan

The CBDC Social Enterprise Loan offers up to $150,000 to support rural Atlantic Canadian non-profits in starting, expanding, or upgrading socially-driven business operations that promote sustainable economic and community development.

Youth Loan Program

The CBDC Youth Loan offers up to $150,000 in financing for rural Atlantic Canadian entrepreneurs aged 18–34 to support business startup, expansion, or modernization while fostering employment and economic growth in their communities.

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
1,500
Over 1,500 loans provided annually, supporting startups and business expansions.
$90M
Over $90M in financing distributed 
annually to small businesses across Atlantic Canada.
80%
80% business survival rate for clients five years after receiving support.
30K
30,000+ jobs created or maintained 
through CBDC assistance.
*Information provided by Atlantic Associations Annual Report 2023 / 2024
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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.