CF Saskatchewan: Complete Guide to Community Futures Programs for Saskatchewan Entrepreneurs

Entrepreneurs and small business owners across Saskatchewan’s rural and northern communities benefit from the support of a province-wide network of Community Futures (CF) organizations. These organizations are committed to empowering local businesses by offering accessible loans, business advisory services, and strategic community economic development support.

This guide provides an overview of the Community Futures programs available to Saskatchewan entrepreneurs and includes links to all regional CF offices.

What is Community Futures in Saskatchewan?

Community Futures Saskatchewan (CFS) is a network of non-profit organizations that provide services and funding to small businesses and communities across Saskatchewan. Their mission is to help develop sustainable rural economies by fostering entrepreneurial spirit and providing financial and business support to both established businesses and startups.

Community Futures Offices in Saskatchewan

There are 13 Community Futures offices in Saskatchewan., supporting a wide range of businesses and community initiatives—from startups and expansions to regional tourism and youth entrepreneurship. Below we list all of the offices (click the office name to be taken to their website):

Community Futures Programs Overview for Saskatchewan Entrepreneurs

1. Financial Assistance Programs

CF Saskatchewan offices offer accessible financing for businesses of all types and stages, including:

• Business Loans: General-purpose term loans for startups, expansions, equipment purchases, and working capital.
• Microloans: Smaller loans for early-stage businesses, part-time entrepreneurs, and home-based businesses.
• Youth Loans: Loans designed specifically for young entrepreneurs under age 35.

2. Business Advisory Services

All CF offices in Saskatchewan provide personalized business development support at no cost, including:

• Business Plan Assistance: Help in writing, reviewing, or refining a plan tailored to the local market.
• Cash Flow and Financial Projections: Support with budgeting and preparing documents needed for financing.
• Startup Guidance: Advice on business structure, registration, taxes, and permits.

3. Networking Opportunities

CFDCs act as local business hubs, creating opportunities for entrepreneurs to learn and connect:

• Workshops & Webinars: On topics such as marketing, bookkeeping, HR, and digital transformation.
• Mentorship: Access to experienced advisors and entrepreneurs who can guide new business owners.
• Community Collaboration: Partnerships with local governments, economic development agencies, and business groups.

4. Sector-Specific Support

Saskatchewan’s CFDCs offer support tailored to regional industries and business types, including:

• Agriculture & Agrifood: Loans and support for primary producers, processors, and farm-based enterprises.
• Tourism and Hospitality: Funding for destination marketing, new tourism product development, and business improvements.
• Retail and Service: Many offices offer microloans and coaching for local service providers such as salons, restaurants, and auto shops—especially in smaller communities where they’re critical to local quality of life.

Getting Started with Community Futures

Entrepreneurs looking to access Community Futures services can follow these steps:

1. Locate Your Local CFDC: Use the list below to find your region’s Community Futures office and explore its offerings.
2. Contact a Business Advisor: Schedule a free consultation to discuss your goals and determine which services or financing options suit your needs.
3. Apply for Funding or Support: If you’re seeking financing, prepare a business plan and financial documents for your loan application. Advisors will guide you through the process.
4. Participate in Local Programming: Take advantage of training, networking, and mentorship opportunities offered regularly by your CFDC.
   

List of Community Futures Programs for Saskatchewan Entrepreneurs

General Business Loans

These are versatile term loans available from all CFDCs across Saskatchewan, typically ranging from $5,000 to $150,000 or more. They can be used for business startup, expansion, renovations, equipment, inventory, or operating capital. Loan terms are designed to be flexible, with competitive interest rates and personalized repayment structures based on business performance and cash flow. Business planning support is also available to help applicants strengthen their proposals.

Micro Business Loans

Ideal for very small businesses, freelancers, and new entrepreneurs, microloans offer fast, low-barrier access to funding for essentials like tools, technology, supplies, or working capital. Loan amounts generally range from $1,000 to $15,000, and these loans are often easier to qualify for, especially for those with limited credit history or collateral.

Capital Growth Initiative Loans

Designed for scaling businesses, this loan program provides targeted support to companies looking to expand their operations, enter new markets, or invest in capital assets. Funds can be used for real estate, machinery, staffing, or product development. It is particularly suited for businesses past the startup phase and poised for growth.

Side Hustle Loans

The Side Hustle Program helps part-time entrepreneurs transition from hobbyists or gig workers to full-time business owners. These microloans can be used for early-stage business expenses such as website development, equipment, packaging, branding, or first production runs. It’s ideal for service providers, creatives, and home-based businesses that are testing their market fit.

Youth Entrepreneur Loans

Many Saskatchewan CFDCs offer youth-focused business loans aimed at individuals under the age of 35. These loans are often smaller in value, come with flexible repayment terms, and are paired with mentorship or business development training. The program is designed to reduce financial barriers for young entrepreneurs who may not qualify for conventional financing.

Entrepreneurs with Disabilities Program (EDP)

The EDP provides business loans and development support for individuals with physical or mental health-related disabilities. This inclusive program offers adapted business planning help, flexible lending options, and follow-up advisory services. It is designed to help entrepreneurs with disabilities successfully pursue self-employment and build sustainable businesses.

Short-Term and Bridge Financing

Bridge loans are temporary financing solutions provided to businesses waiting on confirmed funding or contract payments. These loans ensure entrepreneurs can meet payroll, secure inventory, or launch time-sensitive initiatives without cash flow disruption. Bridge financing can be crucial during grant delays, seasonal income cycles, or project-based work.

Startup Loans

Startup Loans are tailored for new entrepreneurs and early-stage businesses. These loans are typically used to cover foundational expenses like business registration, product testing, initial marketing, branding, and operating supplies. CFDC staff also assist with developing a strong business plan and cash flow projections to ensure the business has a solid foundation.

Loan Refinancing and Debt Consolidation

Some CFDCs offer loan restructuring services, including refinancing high-interest debt or consolidating multiple loans into a single, more manageable repayment structure. These services are useful for businesses that have been impacted by economic downturns, unexpected costs, or pandemic-related disruptions.

Your Next Steps

CF offices are a valuable resource to aspiring and existing business owners in Saskatchewan, but many entrepreneurs aren’t aware of the funding and in-kind services that they provide.

Use this guide to do two things:

1. Shortlist the funding programs that you may be eligible for; and
2. Find the CF Saskatchewan office that’s nearest you and contact them to get started.