Canadian Small Business Finance Loan

Big ideas can have small beginnings — and accessing the right financing can help your business take its next step with confidence. The Canadian Small Business Finance Loan (CSBFL), backed by the Government of Canada, helps entrepreneurs secure funding to grow, purchase equipment, or invest in real estate.


Why choose the CSBFL from Conexus? 

The CSBFL with Conexus makes it easier for your business to access the funding you need to grow. Backed by the Government of Canada, this program helps reduce the lender’s risk — which can improve your chances of being approved for equipment, renovations, leasehold improvements, or commercial property. With a Conexus advisor by your side, you’ll get clear guidance, a supportive lending partner, and financing structured to help your Saskatchewan business take its next big step with confidence.

Saskatchewan business owner working on a laptop and managing daily finances in a bright workspace.

What is the Canadian Small Business Finance Loan? 

The Canadian Small Business Finance Loan (CSBFL) is a federal government–backed loan program that helps small businesses access the financing they need to start, grow, or strengthen their operations. The program is designed to make it easier for small businesses with limited collateral or borrowing history to secure funding by sharing the risk between financial institutions and the Government of Canada.

With the CSBFL, businesses can borrow funds to purchase equipment, invest in commercial property, or make leasehold improvements — all essential tools to support growth and long‑term sustainability. This program ensures more small businesses can access the capital they need to build, expand, or upgrade their operations.

Eligibility requirements 

To qualify for the Canadian Small Business Finance Loan, your business must:

  • Be operating in Canada

  • Have annual gross revenues of $10 million or less

  • Use the loan for eligible purposes such as equipment, leasehold improvements, or commercial real estate

Additional criteria may apply depending on your business type and funding needs.

What you can use the loan for

The CSBFL can support a wide range of business needs, including:

bullet icon

Purchasing or improving commercial real estate

bullet icon

Buying new or used equipment

bullet icon

Completing renovations or leasehold improvements

bullet icon

Financing upgrades that increase business efficiency or capacity

Loan details

Key loan features include:

bullet icon

Competitive interest rates

bullet icon

Flexible repayment schedules

bullet icon

Financing up to program maximums for eligible assets

bullet icon

Government‑backed structure designed to support small business lending

This makes it a flexible option for both new and expanding businesses. 

Our advisors will help you determine your eligibility, understand your financing options, and prepare your application. 

Related products and services

Strengthen your financial toolkit with:

bullet icon

Business credit cards — Manage expenses and earn rewards

bullet icon

Business services — Payments, deposits, merchant tools

Have questions?

That's what we're here for!

Meet with one of our business advisors to talk about CSBFL. Fill out our contact form and we’ll contact you within one business day.