Micro Loans since 1999

We've been making small loans to help people create income and build assets for 20 years.  If you are looking for financing to start or grow a business or social enterprise, return to work, go to school or build affordable housing - we're here to help.


"A micro loan has made a

huge difference in my life"

  We love lending people money to go  after opportunity, but we also realize that a loan is debt.  For businesses, we always recommend a lean start-up. So, consider how you can finance by saving, or by reducing costs. Start small and grow some revenue, create some customers. Then talk to us.


Are you 18 or older

Do you live in southern NB?

Have you tried and been unable to get a  loan elsewhere?

Do you have three good references that are not friends or family?

Can you afford monthly payments?

Can you demonstrate the loan will improve your income?

See below for minimum requirements for specific loan types:

Business & Social Enterprise LoanS:

✔ Take a business course (hey, we have one)
✔have a completed business plan that demonstrates knowledge of the product or service
✔have a marketing plan with customer profile and test marketing
✔have your financial actuals and/or projections
Apply Here


Loans for Employment and or Training:


SJCLF offers support including business training and financing to help people gain employment. Here are the requirements for a employment or training loan:

  Loans can be used for anything that can help you get back to work; tools of trade, vehicle, short training course
Must have a signed confirmation of employment or evidence of a high probability of being able to secure employment
Provide a description of all the costs
Apply Here



 To develop affordable housing and commercial non-profit spaces in priority neighbourhoods and communities.


Must own a property and or have an identified property and value
Must identify use of the loan
Must have a business plan with construction costs and post construction cash flow
✔ Must demonstrate the capacity to carry out development and then manage property
Give us a call and we can walk you through the process, or Apply Here


Fees, Loan Decision Process and Timeline

Each loan carries a low administrative fee and an interest rate of the current prime rate plus 3%. Loan decisions are made by a committee and can take up to one month to process depending on your ability to provide all of the necessary information. Employment and Affordable housing loans take, on average, 2 to 4 weeks to process and approve. Business Loans can take up to three months or longer to approve, depending on whether the business plan is finance ready or not.


For further information, please fill in and submit the form below, or call call 506-652-5626.    * Our loans are not  for emergency purposes. If that's your situation, we will refer you to another agency which might be able to assist.


Let us know who you are! A member of our team will be in touch ASAP!  




Business Name (If any)