Read our message regarding Covid-19

Small Business Loans

Community Futures Cowichan is here to support you through COVID-19.

Small businesses across the country are facing uncertainty as a result of COVID-19. It is a challenging time as a business owner to lead your company through this crisis, but we aim to share resources to help you along the way.

Community Futures Cowichan understands this and encourages all our clients to connect with us on ways we can support you. Our office remains closed to the public and most staff are working remotely. We can be reached by email -




Community Futures financing is available for the start-up, acquisition or expansion of a business. Our flexible loans can assist with projects, capital expenses, start-up costs, inventory and working capital. We work with businesses to learn the nature of their financing needs and create custom loan products to help them reach their goals. 

If you are interested in submitting an application or learning about our loans process, please follow these 6 Steps to compile required information and prepare for a  discussion with our staff.

For our Micro Loan Program (loans up to $5,000) please click here.

1) Business Information Form

Provide information about your new or existing business by completing the form below. We acknowledge that some start-up businesses will not have all details finalized, fill in what you know.

Start-up businesses who have not yet registered can visit our link to One-Stop BC Business Registration here!

2) Complete Your Business Plan

An outline of your business - including operations, marketing & financial plans. New businesses will be required to present their full plan, while existing businesses can accompany a short form plan with their financial statements.

 3) Cash Flow Analysis 

Cash flow projections and/or historical financial statements, along with a breakdown of your loan requirements. The financial data should be supported by the information in the business plan.

4) Collateral

Listing of capital assets owned by the business (existing or to be purchased) including supported market values.

5) Creditor Relationships

A summary of all creditors involved with your business, including balances/terms of credit and pledged security. Include credit cards, loans, lines of credit, equipment leases, mortgages, etc.

6) Personal Information Summary Form

All proprietors, partners or shareholders of a company applying to borrow funds with Community Futures are required to complete the contact information & statement of personal net worth form.

7) Need more help

Would you like feedback on your Business Plan? Click here 

Would you like help on Cash Flow projections? Click here

Do you want to talk to us about your business idea? Click here

Please visit our FAQ section for additional information regarding the loan application process.
If you are ready to meet with one of our loans officers, contact us today!

Do you work with small business clients? Maybe we can partner with you.

As a developmental lender, we can often lend money to businesses or individuals whom banks are unable to assist. Many financial institutions refer clients on to us as another potential source of financing. Or, we may work with financial institutions on joint financing for clients. Many entrepreneurs have had success using a combination of loans from both Community Futures and their financial institution.