We provide loans for business start up, stabilization and expansion in Northumberland up to $250,000.

Our organization is not in competition with other financial institutions. Rather, we compliment them—and, in fact, we often work collaboratively with banks in Northumberland to find financing solutions for local entrepreneurs.

In order to qualify for a loan, you must have already explored traditional financing services first.

Should traditional financing be either insufficient or not available, we may be able to offer a lending solution.

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Here is a list of all of our lending programs. Click any icon to read details about that program.

General Financing

Loans of up to $250,000 for qualifying startups and SMEs.

Ready Money

Quick cash or short-term loans up to $15,000.

Manufacturing ICT

Loans for local manufacturers pursuing information and communications technology upgrades.

Manufacturing Innovation

Loans to support collaborative R&D and innovation.

Social Enterprise

Loans to empower not-for-profit organizations who want to create or expand sustainable social enterprises.

Accessibility Loan

Financing renovations and updates to your facility to meet and exceed Accessibility Standards.

Newcomer Loan

Financing tailored to meet the unique challenges of newcomers to Canada.


Our co-investment fund (sidecar) for technology startups and innovation-driven enterprises.

Cultural Sector Loan

Financing for artists and artisans.


N100 offers startups the opportunity to compete to secure up to $250,000 in the form of a convertible note.

Futurpreneur Canada

Initial financing up to $45,000 in partnership with BDC, combined with mentoring and support for young entrepreneurs in Northumberland.


Financing up to $500,000 for innovation-driven enterprises in Southern Ontario.

Loans Manager - Kim Botrie

Kim Botrie, Northumberland CFDC loans Manager is available to answer any questions you may have and assist you through the application process. It’s easy to apply and there is no obligation to proceed.

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Contact Kim Botrie

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Kim Botrie is Northumberland CFDC Loans Manager. Formerly Senior Lending Services Officer with Ganaraska Credit Union, Kim worked in personal and mortgage lending for over fifteen years, earning her AMP designation. Additionally, Kim has experience garnered in commercial lending operations. Kim brings excellence in customer service to Northumberland CFDC clients in all business development programs. A proud lifetime resident of Northumberland County, Kim is also a dedicated Parent Council representative. She is currently completing her Bachelor of Arts in Political Science and Economics at Trent University.

Kim Botrie
Loans Manager
905.372.8315 x 221