How to Apply for Business Financing

CBDC provides tailored financing, essential support, and advice.

Contact a Startup Expert
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    Contact our office for a consultation.

    Contact Form 
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    Financial assistance is available in the forms of loans, loan guarantees and equity financing to existing and aspiring entrepreneurs.

    Application Documents 
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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.

  • General Business Loan

    Whether you're buying equipment, upgrading your facilities, or expanding your business, CBDC Blue Water offers flexible commercial loans when traditional financing isn't an option.

    General Business Loan 

  • FT Entrepreneur Loan

    First-Time Entrepreneur Loan helps aspiring business owners get started. We also provide training and one-on-one support to help you build a successful, self-sufficient business.

    First Time Entrepreneur 

  • Youth Loan

    Young entrepreneurs can access affordable financing for start-ups, expansion, or modernization, plus training and support to help build a successful business.

    Must be between the ages 18-34.

    Youth Loan 

  • Social Enterprise Loan

    CBDC Blue Water supports social enterprises with financing, business services, and resources to help strengthen vibrant, sustainable rural communities.

    Social Entreprise Loan 

  • Immigrant Loan

    CBDC Blue Water and ISANS created the Immigrant Loan to help Immigrants who are starting a business in the Halifax Regional Municipality (HRM).

    Immigrant Loan 

  • Innovation Loan

    The CBDC Innovation Loan provides up to $300,000 to help rural Atlantic Canadian businesses adopt new technologies, improve operations, and invest in growth.

    Innovation Loan 

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 Halifax. Specific programs may target first-time business owners, youth (ages 18–34), or social enterprises like non-profits and co-ops.

How does the loan application process work?

The process starts with a consultation. 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.