Loan Products - Business Help - Community Futures Sun Country

Our Loan Products

Business Financing

Access flexible small business financing, expert advice, and hands-on support from Community Futures Sun Country. Start, grow, or buy a business with local financing and guidance.

At community Futures, we help entrepreneurs turn ideas into viable, lasting businesses. We offer flexible small business financing alongside practical advice, training, and mentorship - so you get both the capital and confidence to move forward. Whether you're launching a start-up, expanding operations, buying a business, or investing in equipment and working capital, our team is here to help.

Who we support

New and existing small businesses
Rural and community-based enterprises
Youth, women, indigenous entrepreneurs, and under-served founders
Sole proprietors, partnerships, corporations, and non-profits engaged in revenue-generating activities

What we finance

Startup costs and working capital
Equipment, tools, technology, and vehicles for business use
Leasehold improvements and renovations
Inventory and marketing
Business purchase or succession/ ownership transition
Export readiness and market expansion

Eligibility

Operate or plan to operate within the Sun Country region
Viable business plan and reasonable cash-flow projections
Owner contribution and/or collateral may be required
Good character and commitment to your venture
Compliance with all applicable laws and licenses

How it works

1. Connect with us - Share your idea and funding needs. We'll confirm fit and next steps

2. Prepare your application - Business plan, budget, cash-flow forecast, personal statement of affairs, and key supporting documents

3. Review and decision - We assess viability, cash flow, and community impact. You'll receive clear feedback and next steps

4. Funding and support - Upon approval, funds are disbursed and you receive advisory support to keep you on track

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Micro-Loan Financing

Community Futures Sun Country offers Micro-loans up to $15,000. As with all our loan, micro loan clients get assistance from our business advisors who provide guidance and resources to help start and grow a business.

Some examples for a Micro Loan...

Funding to implement your marketing strategy
Financing to assist with getting your "books" in order
Expansion or startup of businesses in any sector of the economy
Any business purpose, including but not limited to the purchase of equipment, inventory and working capital
Fast process with one page loan application

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4-H Financing

4H Loan - Loans for 4-H projects

Community Futures Sun Country offers the 4-H Loans for members of the 4-H program. These loans are designed to support members in purchasing marketable livestock or other approved projects. Here are some key details about the 4-H loans:

Members must be in good standing with a 4-H Club to qualify.
The application process involves completing an application form, which must be reviewed and confirmed by the Club Leader. After approval, the applicant and parent/ guardian will sign the necessary documentation, and funds will be transferred to the applicant's bank account.
Applicants must provide details about their 4-H project, including the type of animal and previous projects. These loans are a valuable resource for 4-H members looking to support their agricultural projects and contribute to the community. For more information or to apply, contact us vision@cfsun.ca 250-453-9165

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4-H Youth Loan Application
Guarantor Overview

Disaster Recovery Loan

Financial Assistance

Financial support is provided as a loan with terms as noted:

Up to $10,000
Prime plus 2%
4-year amortization
No payment requirements for up to eight months

The business owner must be prepared to sign a personal guarantee. In the case of not for profit organizations or incorporated companies, a director must sign on its behalf.

Eligible Applicants

Any business* that:

Was in operation when the emergency commenced
Has a valid business license or approval to operate from the municipal or regional government
Has not been able to operate or has operated at a reduced level for more than 5 consecutive days due to the disaster

*Business includes for profit and enterprising not for profit organizations, sole proprietorships, partnerships, incorporated companies, ranches, farms and co-ops with 50 or fewer employees.

CONTACT US

If you would like to discuss your business idea further, or to speak to a representative about applying for a loan, contact the office at 250-453-9165 or by Email.

Pour obtenir le service en français appeler 1-877-732-3534

Community Futures Sun Country recognizes and acknowledges with gratitude we are collectively gathered on the ancestral, traditional, and unceded territories of the Nlaka'pamux, Secwepemc, St’átl’imx, and Stó:lō Nations where we live, learn, collaborate and work together