We understand just how difficult it can be to operate a business and encourage you to meet with our Business Development Officer so he can assist you in meeting those challenges.  That may mean that you need financing.  The Frontenac CFDC offers flexible commercial financing up to $250,000 for businesses located in the County of Frontenac (The Townships of South, Central and North Frontenac and Frontenac Islands). A portion of the loan may be eligible for our interest”“free program.*

View Frontenac CFDC Service Area

Purposes of Financing

  • Start-up financing for new businesses
  • Leasehold improvements
  • Equipment purchases
  • Inventory
  • Working capital
  • Purchase or renovate commercial property
  • Purchase vacant land to construct new commercial building, or for farming

We are not in competition with the chartered banks or other business lenders. Our financing can be independent of, or in partnership with, other financial institutions when traditional financing is unavailable or insufficient.

How to Apply

Prepare your business plan. Assistance is available through our no cost counselling services

Complete your cashflow forecasts using this document

Contact our Business Development Officer for an initial interview.

Loan Application Process

Initial Interview

The initial interview is a discussion regarding your business plan and financial requirements and how we may be able to assist you. If you decide to proceed, the next step is to submit a loan application.

Application Process

Your loan application must include:


Our Business Development Officer will analyze the application and present it to our local Investment Committee / Board of Directors volunteers for approval.  The meetings are held the fourth Wednesday of each month with the exception of December when it is held within the first two weeks.  Financing decisions are based on the strength of your business plan, your ability to repay, impact on job creation or maintenance and the impact on long-term growth for the community.

Fees, Interest Rates, Terms and Reporting Requirements

$100 non-refundable application fee and an additional $200 fee if approved, subject to change

All legal fees are the responsibility of the client (if applicable)

Interest rate of Prime plus 2% and higher subject to risk associated with request. A portion of the loan may be eligible for 0%; to be discussed at time of application

Repayment terms can be customized to meet your business needs

  • Loans are repayable in full at any time without penalty.
  • Loan clients are required to submit annual financial statements.  This will allow us to continue to support you and your business needs as the business grows.

*The Access to Capital Program provides interest-free commercial loans to encourage the development of vacant or underutilized, commercial or retail properties which have the potential of job creation/retention.  Facade improvements on commercial/ retail properties located in villages; the purchase and installation of alternative energy used for the operation of the business or farm are also eligible.  Subject  to available funding.

For more information or to apply, contact Tracey Parker, Business Development Officer, 613-372-1414 ext. 202 or 1-888-372-9962 or email tracey@frontenaccfdc.com