BizMoney to...

Start your business

Buy a business

Expand your business

Invest in your business


Now Recruiting Volunteers!

Community Futures Cowichan is proud to serve the Cowichan business community with the help of our dedicated volunteers.

If you have a background or interest in small business development, finance, economic and social development OR if you care about helping create a bright economic future for our community, then we are looking for someone like you!

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We do Business Loans...


Because we strive for big wins for our clients. Business can be complicated and full of opportunities!


A Community Futures loan is flexible and unique to your business needs. We think outside the box to help your business adapt and thrive.

What's the difference?

Whether you are a startup or looking to expand, a CF Loan can help you reach the next level. You won’t find a one size fits all approach here.

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Community Futures Cowichan is grateful to the Coast Salish peoples, on whose unceded territories we do business, learn and grow together in a spirit of community, collaboration and reconciliation.

Huy tseep q'u

Old Fashioned Style Ice Cream made fresh in our Cowichan Bay store for the past decade with the original “udder guy” recipe without preservatives or additives.



plentiFILL is a refillery and zero waste store located in Duncan, British Columbia. We are on a mission to drastically reduce consumer waste in the Cowichan Valley. We carry carefully curated refills including deodorant, bubble bath, dish soap, laundry soap and more! We also carry a wide variety of zero waste essentials such as reusable tea bags, wet bags and fabric bowl covers.

Bayview Brewing Co.

Bayview Brewing is a community brewery, owned and operated by community-focused people. We have built this brewery ourselves, with the help of our family and friends.

204 Dogwood Drive, Ladysmith, BC V9G 1S8



We understand the challenges and opportunities of being a business owner. As a small business lender, Community Futures can help when traditional financing cannot.

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An Ongoing Commitment to Small Business

Download Our Workbook

Download our Business Plan Workbook… we call this the, “You don’t know what you don’t know book.” This helps understand a wide variety of things you need to plan for.

Book An Appointment

Book an appointment with a Business Advisor… come with your ideas and questions. It's just a conversation to start. Our Advisors will connect you with resources and help with your loan application.

Start An Application

Whether you need money now for your start up, you’ve reached the point when your business needs to move past being a home-based business, or your existing business needs to expand its products and services, you’ll have a Community Future’s Business Advisor to help.

Our Resources

Community Futures is a developmental lender, and we have a different approach than financial institutions. This means we may be able to provide loans to businesses that do not qualify elsewhere.

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Business Loan FAQs

No. There are no fees or charges related to initial loan inquiries or applications. Loan application and documentation fees apply only to 'approved' loans.

A number of factors will be considered in determining what the interest rate of a loan will be. Currently Community Futures' interest rates vary between 8% and 10%.

Community Futures offers 'term loans' that are repayable over 3–5 years.

Yes. A business plan will provide a lender insight into your business and along with the financial plan help show its viability and profitability. It also provides the business owner with a 'roadmap' to follow and a tool to measure your future performance.

Typically, an answer to a loan request of $25,000 or less will take up to 10 business days. A request greater than $25,000 can take up to 20 business days. Both scenarios are dependent on having all requested information. Delays can occur when an application is incomplete or additional information is requested from the applicant.