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) to assist you in growing your business.   A portion of the loan may be eligible for our interest”“free program.

Our sister organization, the Eastern Ontario Network of CFDCs, offers Southern Ontario for Investment in Innovation (SOFII).  This program supports high-growth, innovative enterprises in rural and urban communities by offering loans of $150,000 to $500,000 to support all aspects of growth challenges facing them.

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.

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.

For more information or to apply, contact 613-372-1414 ext. 204 or 1-888-372-9962 or email