Community Futures British Columbia
Get up to $1 million in repayable financing to launch, grow, or acquire your BC business. Terms and rates vary by local office, so contact your nearest Community Futures branch to apply. Verified against the official source on July 2, 2026.
How we verify funding records →
Before you spend a dollar
Approval must come before spending as this is a loan application process.
At a glance
Subject to program rules, available funding, and approval. Confirm current details with the official program administrator.
Not sure if you qualify?
Get a free, 2-minute read on whether this program fits your business. No obligation.
Check your fit →Is this for you?
- You are a startup, existing business, or non-profit operating in British Columbia.
- You need up to $1 million for standard projects, or up to $10,000 if you are an eligible client of Accessible Entrepreneurship Services.
- You can demonstrate strong character, capacity, conditions, capital, and collateral to support your loan application.
Probably not the right fit if
- You are located outside British Columbia or outside the service area of a Community Futures office.
- You are looking for a grant or free money, since this is a repayable loan.
- You cannot provide collateral or prove you have the cash flow to repay the debt.
How much you'd realistically get
Up to $1 million for standard loans; up to $10,000 for Micro Loans for eligible clients from Accessible Entrepreneurship Services.
What may be supported
- Business startup expenses
- Business growth expenses
- Launching a social enterprise
- Purchasing a business
How applying works
Effort: moderateYou must prepare a business plan and cash flow projections and submit them for assessment by local staff and volunteer board.
- 01Contact your nearest Community Futures office directly to access loans and financing.
- 02Prepare a business plan (template available) and cash flow projections.
- 03Submit application for assessment by local staff and volunteer board based on the 5 C's of Lending.
- 04Await approval before spending, as this is a loan application process.
Who to ask: 1-604-289-4222 (Mon-Fri: 8:30am to 4:30pm); Contact page: https://www.communityfutures.ca/contact-cfbc; Office Finder: https://www.communityfutures.ca/office-finder
Documents commonly required
- Business plan (template available)
- Cash flow projections
- Proof of eligibility for Micro Loans if applicable (e.g., enrollment in Entrepreneurs With Disabilities Program)
- Documentation supporting the 5 C's of Lending (credit history, training, work history, business experience, net worth/equity, collateral details)
How BBN Labs helps
- BBN builds your professional website and online store, putting the loan to work on a digital storefront that captures customers 24/7 and drives sales.
- BBN sets up Local SEO and Google Business Profile so BC customers can find you on Google Maps, bringing steady foot traffic to your location.
- BBN implements a Google review system and loyalty program, turning first-time buyers into repeat customers and building social proof that fuels sustainable growth.
- BBN designs modern signage and branding, coordinating with qualified partners to upgrade your physical presence and attract more walk-in customers.
- BBN guides you through the application and deadlines so you don't lose the funding.
What to know before you count on it
- This is a repayable loan, not a grant, and terms and rates vary by Community Futures office.
- You must meet the 5 C's of Lending criteria, including aiming for a 1:1 security to loan principal ratio for collateral.
- No application fee is stated, but confirm on the official page for any potential costs.
- Intake is ongoing, but you must contact your nearest Community Futures office directly to apply.
What are your odds?
Approval depends on meeting the 5 C's of Lending criteria and the assessment by your local Community Futures office.
Frequently asked questions
Is there an application fee?
No application fee is stated, but confirm on the official page.
What are the 5 C's of Lending?
Character (credit history, training, work history, business experience), Capacity (ability to repay debt based on cash flow/earning potential), Conditions (viability of market/industry), Capital (adequate net worth/equity/sweat equity), and Collateral (aiming for 1:1 security to loan principal ratio).
How do I apply?
Contact your nearest Community Futures office directly to access loans and financing.
Are Micro Loans available?
Yes, up to $10,000 for eligible clients from Accessible Entrepreneurship Services.
What you can combine it with
Related programs include the Entrepreneurs With Disabilities Program for Micro Loans, PacifiCan Business Service Network, Province of BC Funding Search Tool, and Grants and Funding from the Government of Canada.
Get alerted when this changes
Programs open and close, budgets run out, rules change. We send one short email when something changes that matters for this program.
Record last updated June 20, 2026; last verified July 2, 2026 against the official source. Source: official program page.