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Formerly Sarnia-Lambton Business Development Corporation, we’ve got a new name and look!

Business Funding

We support new and existing businesses with personalized financing options.

Term Loan

  • Funding up to $300,000
  • Interest as low as Prime + 2%
  • Repayment period of up to 10 years

Micro Loan

  • Funding up to $20,000
  • Interest as low as Prime + 2%
  • Repayment period of up to 5 years

How it works.


Get started

Book a meeting and discuss possibilities with our Business Loans Officer


Complete and return your loan application and support documents

Team review

We’ll review your application and offer feedback

Board review

The Community Futures Lambton Board will consider and review your application


Sell your story and share your vision in person with the Board


Receive an answer within ten business days of the Board presentation

Let’s get to work.

We helped Jerica and Brooke up-cycle kids' clothes

Looking for a grant?

We do not currently offer grants but we’re happy to point you in the right direction.

Frequently asked questions

Do you offer loans without security?

As a general rule, all of our loans are secured with a personal guarantee from the borrower as well as a general security agreement that is registered under the Personal Property Security Act.

However, we do not always require our loans to be fully secured. Much of it depends upon the borrower and the calibre of the business plan and financial documentation provided.

Our micro loans (up to $20,000) are sometimes advanced without full security.

Do I need a business plan to get a loan?

Yes. Community Futures Lambton will not advance a loan application without a comprehensive business plan.

We firmly believe that a business plan is critical to the success of not only new businesses, but every business. A solid business plan provides both a roadmap to success and the means by which to measure that success on an on-going basis.

Does bad credit disqualify me from getting a loan?

Not necessarily. All small business owners and entrepreneurs are invited to contact us to discuss.

How much money can I borrow ?

We offer entrepreneurs loans from $5,000 to $300,000. The amount that you borrow will depend on your business concept, your business plan and your ability to provide collateral to secure your loan.

We helped Giuliano’s Pizzeria land a piece of the pie

CFL came through for me when traditional banks turned me down for business financing. Their expertise and dedication made all the difference in securing the financing I needed to start my business. I’m grateful for their support and highly recommend their services to anyone facing similar challenges.

Tiffany BirchThe Hungry Hillbilly

With their incredible business advice & financing support, my dream of opening a pizzeria became a reality. Their expert guidance helped me overcome challenges and their financial assistance played a vital role in opening the doors. I'm grateful for their invaluable help & highly recommend their services to aspiring entrepreneurs.

Giuliano AielloGiuliano’s Pizzeria

My wife and I have been grateful for the help CFL provided to make hope a reality. We couldn’t have bought the store without them!

Dan & Annette LittleOne Tooth Sarnia

CFL offers favourable loan terms and transparent policies, along with competitive interest rates that are well-aligned with the specific needs of your business. For anyone looking to establish a new small business, CFL is undoubtedly the top choice. Thank you once again for your continued support.

Kinjal & Rupal PathakQuesada Sarnia

CFL was pivotal in our start-up success, providing financial support and professional guidance so that we could remain focused on building the business. They’re interested in our success and always remain in touch, which we appreciate very much.

Paul & Angela DumontSticks and Stones Indoor Golf

Get started today.