Cbdc-Nb Ra2018 En.Pdf

NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 Mission maintains relationships withselected stakeholders thathave similar objectives. clearinghouse for information related to common objectivesofthemembers. It provides to services members asa andresponds to theirneeds.Italsoserves CBDCs, volunteers andstaff members) on it common issues.Asanetwork, Corporations (CBDCs)isdedicated to representing themembership (10individual BrunswickAssociationofCommunityBusinessDevelopment The New our entrepreneurs A variety ofproducts for andservices thesuccess of At theheart of ourregions A growing momentum for womeninbusiness A Self-Employment Benefit(SEB)program A smallbusinesssuccession program for entrepreneurs (CAS)program Services forA ConsultingAdvisory entrepreneurs rural communities inNB Building strong entrepreneurial leverage in ictoria Madawaska-South estigouche éninsule acadienne aska e/Kings Message from thePresident Table ofContents Westmorland Albert V Southwest R P Northumberland Madaw Kent Charlott Chaleur

The Government ofCanada ispleasedto provide financialsupport to the CBDCs in Atlantic Canada. Canada-New Brunswick Labour Market Agreements. Funded by theGovernment ofCanadaandtheProvince ofNew Brunswickthrough the

9 8 7 6 6 6 4 3 18 17 16 15 14 13 12 11 10 Message from thePresident fiscal year. willbeavailabledisabilities. Thisservice inthenext project to make the SEBaccessible to peoplewith our network ofapilot supported thedevelopment that boostsoureconomy jobs.Thisyear, with667new by unemployedpeoplefrom a$6.6millioninvestment urban areas. businesseshavebeencreated 355new to bealeader inthisarea, covering bothrural and TheCBDCnetworka highlightofourservices. isproud Our Self-Employment Benefit(SEB)program remains year. of thisproject willbemadeavailable bythenextfiscal this flagshipproject for local entrepreneurs. The results our provincial workinggroup, whowere ableto create that could cover theentirety ofourprovince. Ithank andimplementationthe development ofaprogram nationally andinternationally, andanactionplanfor environmental scan, referring to thebestpractices both Wewere ableto Brunswick. set inmotionan of New Opportunities Agency (ACOA) andtheGovernment businesses hasbeenproposed to theAtlantic Canada a province-wide succession project for small ambitiousyear.2017-2018 was avery Firstly, created ormaintained. impact inourworkforce hasresulted in1,706jobs $30.1 millioninjected into ourlocal economy. This to ourlocal businesses,resulting inaleverage of $24.4 millionwas disbursed to-day operations. main components ofourday- I wouldfirst like to outlinethe under development. challenges andmanyprojects proved to beayear full ofnew Corporations (CBDC’s) has Business Development Association ofCommunity Brunswick of theNew My first year asthepresident Alain Guitard, President entrepreneurship. CBDC’s Brunswickremain thechampionsof ofNew put inplace strategies thenecessary to ensure thatthe members inaspiritofcohesion withkey partners, and Director, LineDoiron, whoknowshowto positionour entire team oftheAssociationanditsExecutive Finally, Iwouldlike to thankmycolleagues andthe ultimately, employability andworkforce. provide directions for innovation, markets, new and stories abouttheneedsofourbusinessesandto economic leaders havebeenableto delivercompelling with ACOA Francis anditspresident, P. McGuire, these nine entrepreneurs CBDCregion. Together from every meeting, weheldadiscussionpanel bringingtogether 2018,duringournetwork’sIn January quarterly force inthestrengthening ofourcommunities. owners, which,Iemphasize, are agrowing andvital network to better target theneedsofwomenbusiness year, governance theWBIwillhavenew withinour assessment ofallitscomponents. Inthenextfiscal seen fit to improve thisprogram byperforming an over theprovince. After 14years ofexistence, wehave Association andsupportsfemale entrepreneurs all The WomeninBusinessInitiative(WBI)isledbyour plans, workforce restructuring, etc. professional expertisefor market research, marketing to improve theperformance ofourbusinesses through our ten CBDC’s. Aninvestmentof$382,097was made 69consultingservices. projects havebeenapproved by We havehadarecord year for ourconsulting advisory 3 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 4 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 in rural communities inNB Building strong entrepreneurial leverage New Brunswick CBDCloan product Number of applications received andapproved for each Number of applications In millions of dollars the province over thepast five years the CBDCsandfinancialleverage accross The total value of assistance from $10.0 $20.0 $30.0 $40.0 $50.0 $60.0 $70.0 $80.0 100 150 200 250 300 350 400 $0.0 50 0 oa au fassac FinancialLeverage Total value ofassistance Number ofapplications received General 0321 0421 0521 0621 2017-2018 2016-2017 2015-2016 2014-2015 2013-2014

Business 210 2 Loan 22

First-Time Entrepreneur 1 2 2 Loan 7 11 Youth 288 82 Loan Number ofapplications approved 1

Social

Enterprise 27 0 7 Loan

Innovation 2 01 Loan per loan product Breakdown of amountsdisbursed communities upto 123%. extra investmentsinthe of $24.4Menabledto leverage The total value ofassistance Brunswick’s communities. of Directors ineach ofNew were approved through Boards A total of536loan applications 208 Youth Loan First-Time Entrepreneur Loan Innovation Loan Social Enterprise Loan General BusinessLoan 22 1

17 communities. Brunswickruralmillion dollars inNew Since inception, CBDCshaveinjected 427.4 Number of businesses over thepast five years across New Brunswick The numberof businesseswhoreceived financialassistance communities over thepastfive years Jobs created andmaintained inNew Brunswickrural 100 200 300 400 500 600 700 800 900 T Jobs maintained Jobs created e uiessEitn uiessTotal businesses Existingbusinesses businesses New 0 200

Number of jobs 2017-2018 2016-2017 2015-2016 2014-2015 2013-2014 1000 1500 2000 2500 3000 2 500 0 201-201 172 8 2 1 170 1,103 211 603 1,438 2 677 1,693 228 766 1,667 1772 616 1,123 649 17 1 201-201 2 201-201 12 all regions. contributing to the long-term employability in investments outstanding ofabout$92.4Mare decreased, wesuggest thattheNBCBDCs’ total Although jobscreated andmaintained have 8 201-2017 222 778 2017-2018 217 27 5 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 6 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 A Self-Employment Benefit(SEB)program forServices aninvestmentof$13,333. qualified to receive Innovation ConsultingAdvisory $453,819. Inaddition,twootherentrepreneurs benefited from thisservice, for aninvestmentof In total, 69CBDCclientsand8ACOA clientshave a roster ofconsultants Brunswick. throughout New of smallandmedium-sized enterprises, byaccessing to Services owners andmanagersConsulting Advisory In partnership withACOA, theAssociationprovided entrepreneurs (CAS) program for Services Advisory A Consulting

Number of applications thr Numb ougho 100 200 300 400 500 600 700 800 0 er 201-201 o 1 ubro plctosrcie Number of applications approved Number ofapplications received ut th f applic e pro ations rec 201-201 vinc 0 e ov eiv er the p 201-201 ed andapprov 0 1 ast fiv 201-2017 e 70 years ed 70 wide program covering bothrural andurban areas. andimplementationfor thedevelopment ofaprovince- opportunity analysisandstrategies/recommendations succession. An action plan will be tabled in 2018 with an practices andabroad inthecountry interms ofbusiness to begin anenvironmental scan asto identifybest working group ledbytheNBAssociationofCBDC’s A consulting firmhasbeenselected byaprovincial for entrepreneurs succession program A smallbusiness 2017-2018 0 business upandrunning. topolicy) get theirown (according to theexisting Benefits orweeklyallowance receive EmploymentInsurance participants to continue to or maintained, allowing resulting in667jobscreated 6.6 millionsof dollars, assistance awarded totals the amountoffinancial During thelastfiscal year, women inbusiness momentum for A growing Activity highlights economic development. becomes anintegral elementofourcommunities’ ensure thattheentrepreneurial potential ofwomen Officers Brunswick cover theentireto territory New both rural andurban communities. Development toprovincial supportwomenentrepreneurs level in Initiative (WBI),theonlyorganization actingona The Associationmanages theWomeninBusiness Number ofclients...... Number ofgroups ...... Try-Angle Mastermind groups Investments ...... projects ...... Number ofadvisory servicesAdvisory Number ofparticipants ...... Number ofsessions...... Training sessions Number ofsessions...... Counselling sessions supplier diversity programs. bids from corporate contracts often related to to buyers meet and/or new to get access to opportunities for womenbusinessowners (October 2017).Thoseactivitiesare to facilitate 2017) andWeConnectCanada/International conferences inToronto: WBECanada(September have beenundertaken inBoston, andtwo their markets. Two Exporters New Missions them withkey partners thatwill helpinexporting women entrepreneurs in activitiesto connect OfficersThe Development havesupported Export-oriented efforts $107,204 304 535 23 24 47 4 Number ofnetworks ...... Networks supported Number ofclients...... Number ofsessions...... Information sessions Number ofrepresentatives ...... Number ofpresentations ...... Partner presentations ...... Number ofevents Recognition events programs andservices. becoming entrepreneurs, usingdifferent typesof women entrepreneurs, orwomenintheprocess of theWBIprogram Brunswick, New was ableto reach Thanks to supportfrom ACOA andthegovernment of strategic business opportunities for theprogram. Board dedicatedan Advisory to establishing new governance structure willbeimplemented with have beenhighlighted byaconsulting firm.Anew scan ofbestpractices from otherjurisdictionsthat markets.new Thisisbased onanenvironmental activities, exporttheirproducts and/or expand into businesses,grow ordiversifynew theirexisting current needsfor womenentrepreneurs to start come. Theprogram willberestructured to meet impact for womenbusinessowners for years to modelto createdelivery alarger economic Association ofCBDC’s willimprove theprogram Following aprogram theNB assessment, A newvisionfor WBI 286 286 14 25 71 16 7 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 CHALEUR

In 2017, CBDC Chaleur launched the Future organization, part of Startup Canada, is a local network Entrepreneur Loan. This program allows young of entrepreneurs aimed at working together to create people in the region, aged 14 to 19, who want to a favorable space for entrepreneurship in our region. gain work experience to start their own micro- It offers entrepreneurial tools through the creation of enterprise. The CBDC Chaleur wants to support the local Startup communities, through the development entrepreneurial development of these young people by of an online platform connecting the entrepreneurial offering them the opportunity to borrow up to $1,500. A community from coast to coast, by organizing total of four loans have been disbursed during the past key events, as well as by offering programs and year. initiatives to strengthen local, regional and national New this year is the Startup Chaleur group. This communities. Investments in the region

Requests processed Loans by Sector Training sessions Applications received 91 Number of sessions 7 Applications approved 77 11% 8% Amounts granted $5,512 Amounts invested $2,087,178 6% 5% 13% Self-Employment Benefit Number of business Applications approved 21 12% counselling sessions Value of assistance $420,000 14% Number of clients 147 13% Consulting Impact on businesses 19% Advisory Services New businesses 15 Number of clients 5 Existing businesses 47 Natural Professional Resources Services Investments $22,958 Total 62 Construction Accommodation & Wholesale and Food Service Impact on employment Retail Trade Other ANNUAL REPORT 2017-2018 REPORT OF CBDC s ANNUAL NB ASSOCIATION Jobs created 62 Tourism & Services Leisure Jobs maintained 222 Manufacturing Total 284

BATHURST | 219 MAIN STREET, SUITE 3 | 506 548-5951 | www.chaleurcbdc.ca 8 CHARLOTTE/KINGS

This region located at the mouth of the bay of Fundy buyers, and government partners, in order to promote includes Kings and Charlotte Counties and the rural export growth across the province. Other projects from part of Saint John. The CBDC has an office in CBDC Charlotte-Kings include a Strategic Export St. Stephen and a satellite office located in Hampton. Marketing Program, Food Innovation in The CBDC Charlotte-Kings has been coordinating New Brunswick and the North/South Container several projects such as the New Brunswick Seafood Trade Lane Development and Strategy project. Incoming Buyers Mission (every year in June), bringing together seafood companies, international

Investments in the region

Requests processed Loans by Sector Training sessions Applications received 55 Number of sessions 12 12.2% Applications approved 47 16.7% 5.5% Amounts granted $20,541 Amounts invested $1,559,822 1.9% 0.7% 0.6% Self-Employment Benefit Number of business Applications approved 34 counselling sessions 27.5% Value of assistance $653,179 Number of clients 55 32.7% 2.2% Consulting Impact on businesses Advisory Services Art/Entertainment & Manufacturing New businesses 28 Number of clients 10 Recreation/Tourism Accommodations & Existing businesses 14 Retail Food Services Investments $55,615 Total 42 Professional, Scientific Construction and Tech Services Other Services Agriculture, Aquaculture, Impact on employment Forestry and Hunting Jobs created 54 Health and Social Assistance 2017-2018 REPORT OF CBDC s ANNUAL NB ASSOCIATION Jobs maintained 69 Total 123

ST. STEPHEN | 123 MILLTOWN BLVD, SUITE 202 | 506 466-5055 | www.charlottecbdc.ca 9 10 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 Jobs created businesses New Number ofclients Applications received Investments intheregion starting theirownbusiness. Development Seminars to individualsconsidering presented below, CBDCKentoffers Business In additionto thegeneral andprograms services Twelve (12)seminars for theyear 2017-2018 Jobs maintained Total Existing businesses Amounts invested Applications approved Total Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

KENT

BOUCTOUCHE |190IRVING BLVD |506743-2422 |www.cbdckent.ca

$3,079,171

174

260 292

58 73 85 86 30 28 31% Loans by Sector 4% Forestry Agricultural Construction Service Fisheries Aquaculture 2% 7% 7% 1% 4% Accommodation Catering / Waste management Manufacturing Retail Trade Wholesale and and Storage Transportation from thisprogram. flow andaccounting. A total of29individualsbenefited The topics covered include:financing,marketing, cash 9% 18% 2% 16% Number ofsessions Number ofclients Applications approved Investments Amounts granted Value ofassistance Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit

$717,500

$18,697 $38,905

17 41 6 credit: DonaldRDufourcredit: credit: DonaldRDufourcredit: stakeholders. to buildcredibility withbusiness peopleandeconomic with various local communities havemadeitpossible Their listening, their dedication, and their involvement ensure thecompletion oftheirprojects. to effort no spare who employees its of work hard the The success of CBDCMadawaska islargely attributed to Jobs created businesses New Number ofclients Applications received Investments intheregion Total Jobs maintained Total Existing businesses Amounts invested Applications approved Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

EDMUNDSTON | 24SAINT-FRANÇOIS STREET| 506737-8925 |www.madawaskacbdc.ca

$3,231,000

204

69 58 54 64 18 51 34 24 Loan by Sector Tourism Agricultural Construction Forestry 20% 13% 1% 7% 6% Manufacturing Retail Trade Wholesale and and Storage Transportation Other 19% and undertake! Together, let’s continue to dare, innovate, imagine Roland, Ginette, Daisy, Chantal, Tania, andMicheline. Janik, Joanie, of consists team The the lightofday. Without their efforts, several projects may not have seen 26% 8% Applications approved Number ofsessions Number ofclients Investments Value ofassistance Amounts granted Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit MADAWASKA

$555,827 $178,998

$57,018

21 58 9 11 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 12 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 Jobs created businesses New f business Number ofclients Applications received Investments intheregion but includingthatportionofYork Countythatis County, withtheexception oftheParish ofRogersville, purpose withintheboundariesofNorthumberland The CBDCNorthumberlandfunctions according to its Jobs maintained Total Existing businesses Amounts invested Applications approved Total Impact onemployment Impact onbusinesses Requests processed counselling sessions Number o

NORTHUMBERLAND

MIRAMICHI |1773WATER STREET| 506778-2121 |www.northumberlandcbdc.ca

$1,111,242

96 22 19 43 30 12 10 43 0.4% Loans by Sector Tourism Construction Agricultural 1.3% 8.9% 3.2% Southwest Miramichi-Bay duVin. included intheprovincial electoral constituency of Manufacturing Retail Trade Wholesale and 86.1% Applications approved Number ofsessions Number ofclients Amounts granted Investments Value ofassistance Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit

$490,000

$13,801

$4,269

28 3 3 topics ofinterest. among themselvesontheirchallenges andonvarious caninvolve theminactivitieswhere exchange they entrepreneurs ofthePéninsule acadienne andto aims to introduce companies belongingto young The RJAPA allowsascheduleofactivitiesthat Péninsule acadienne” (RJAPA) “Réseau desjeunesenaffaires dela Jobs created businesses New Number ofclients Applications received Investments intheregion Jobs maintained Total Existing businesses Amounts invested Applications approved Total Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

credit: regioncredit: ofCaraquet

TRACADIE |3620MAINSTREET | 506395-9700www.cbdcpa.ca

$3,030,074

167

217 131

57 69 90 50 24 33 Loans by Sector 1% Forestry Agricultural Construction Fisheries Aquaculture 1% 3% 18% 10% 2% 22% 2% luncheons. Entrepreneur Award banquet, happyhours, and 2005 suchasanannualgolf aYoung tournament, region, RJAPA hasbeenorganizing activitiessince partnership withtheChambers ofCommerce of the Created bytheCBDCPéninsule acadienne in The activitiesare opento thewholepopulation. Tourism Other Manufacturing Retail Trade Wholesale and 41% Applications approved Number ofsessions Number ofclients Investments Value ofassistance Amounts granted Training sessions

PÉNINSULE ACADIENNE Advisory ServicesAdvisory Consulting Self-Employment Benefit

$749,302

$19,736 $29,306

39 17 7 13 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 14 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 Jobs created businesses New Number ofclients Applications received Investments intheregion Furthermore, theCBDCprovides jobsearch techniques and (3)Literacy andessentialthinkingskillstraining Talent –BuildinganInclusive CanadianWorkforce Essential SkillsinRural SmallBusiness and takes part inthree nationalprojects: (1) activeinitscommunitythe CBDCRestigouche isvery Located inaregion knownfor itsstrong bilingualism, Total Amounts invested Applications approved Jobs maintained Existing businesses Total Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

RESTIGOUCHE

CAMPBELLTON |41WATER STREET |506753-3344 |www.restigouchecbdc.ca

$4,367,125

265

393 109 128 109

85 89 52 15% 7.5% Forestry Fisheries Tourism Construction Technical services Professional/ Food services Accommodation/ ; (2)Hire for Loans by Sector 15.6% 7.7% Digital 3.4% 5.2% ; . 1% 3.1% Finally, theCBDCoperates acounselling center. service investments inthecause ofwomeninabusivesituations. a project to mobilize theprivate sector andincrease financing for womenentrepreneurs, andisdeveloping CBDC isalsomanagingaproject to improve access to preemployability aswellanew The service, project. through OptionsCentre, aPrivate Career Counselling 3.4% 4.6% Aquaculture Health Care Manufacturing Retail Trade Wholesale and Real Estate Other 10.6% 22.8% Applications approved Number ofsessions Number ofclients Amounts granted Investments Value ofassistance Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit credit: BrianAtkinsoncredit:

$800,000

$11,573 $42,045

40 9 6 and theirentrepreneurs, aswellassistingthemto ofruralis to assistinthedevelopment businesses partnersdevelopment role inourregion. Ourprimary CBDC Southwestworkscloselywithalleconomic Jobs created businesses New Number ofclients Applications received Investments intheregion Total Existing businesses Amounts invested Applications approved Jobs maintained Total Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

HANWELL |73MILLENNIUM DRIVE|506454-2747www.southwestcbdc.ca

$2,656,490

204 134 102

73 37 40 26 47 Loans by Sector 40% Tourism Agricultural Construction Forestry 4.5% 33% Other Retail Trade Wholesale and and Storage Transportation and other secondary lendingpartners.and othersecondary institutions including:charted banks, credit unions, Additionally wealsopartner with otherfinancial seize opportunities thatwillimprove theirbusinesses. 11.2% 3.3% 3% 5% Applications approved Number ofsessions Number ofclients Investments Value ofassistance Amounts granted Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit SOUTHWEST

$699,417

$25,079 $29,273

36 29 4 15 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 16 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 Jobs created businesses New Number ofclients Applications received Investments intheregion links between thedifferent parts ofthe community, community. By discovering andassembling the and agencies withtheaimoflearning abouttheir and talents ofindividuals,associations,organizations participants ofresources, make amap(inventory) skills Mapping (CAM)upto date. TheCAM isaprocess where working diligently inkeeping ourCommunityAsset a valid career choice. Furthermore, wehavebeen 250 youthbyshowingthatentrepreneurship can be Initiative thatresulted increating awareness to also delivertheYouth Entrepreneur Development In additionto ourmainresults shownbelow, we Jobs maintained Total Existing businesses Amounts invested Applications approved Total Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

VICTORIA MADAWASKA-SOUTH

GRAND FALLS |439TERRACE STREET |506473-6446www.madviccbdc.ca

$1,776,130

68 38 42 60 29 26 12 60 Loans by Sector and Storage Transportation Forestry Tourism Construction 22.4% 41.6% 7.3% #CommunityAssetMapping Please search oursocialmediafor: generations to enjoy. assets inorder to sustain andenhance themfor future can collectively strategize abouthowto buildonthe of peopleintheshapingtheircommunity. People whichistheengagementcommunity development, The process ofCAM provides acritical elementof neighborhoods, andrediscover collective power. rebuild communitiesand mutual support, and the knowledge isusedto revitalize relationships Other Retail Trade Wholesale and 11.4% 7.4% 9.9% Number ofsessions Number ofclients Applications approved Investments Amounts granted Value ofassistance Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit

$240,908

$12,397 $12,505

13 12 2 Jobs created businesses New Number ofclients Applications received Investments intheregion Jobs maintained Total Existing businesses Amounts invested Applications approved Total landscape butourCBDChasremained aconstant different changes withintheeconomic development hasseenmany Ourhistory communities thatweserve. fostering thesuccess oflocal entrepreneurs withinthe Over thepast 31years, theCBDChasbeendedicated to CBDC WestmorlandAlbert31 Impact onemployment f business Impact onbusinesses Requests processed counselling sessions Number o

SHEDIAC |337MAINSTREET |506532-8312 |www.cbdcwestmorlandalbert.ca

$1,464,245

128

65 42 45 60 52 19 23 st Anniversary 6.3% 6.1% 0.2% Loans by Sector 1.6% Forestry Aquaculture Manufacturing Health Fish Harvesting Construction 1.7% 11.6% 29.6% 0.3% 0.6% in our territory duringthepastin ourterritory 31years. the results ofourassistance theeconomy indeveloping Our annualreport outlinestheprograms weoffer and order to ourclients. better serve pillar, often having to adapt to thechangingtimesin Food Restaurants / Other Retail Trade Wholesale and Tourism Service 14.3% 27.5% Applications approved Number ofsessions Number ofclients Investments Value ofassistance Amounts granted WESTMORLAND ALBERT Training sessions

Advisory ServicesAdvisory Consulting Self-Employment Benefit

$1,312,000

$111,854

$48,461

376

10 83 17 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 18 NB ASSOCIATION OF CBDCs ANNUAL REPORT 2017-2018 acquisition ofanexistingbusiness. Thismoreproduct. flexibleloaneven can facilitate the order to fulfill increased customer demand for your equipmentandadditional materialspurchase in new to construct building.Perhaps anew it’s timeto an expansion ofyourexistingpremises orhave Business isboomingandyou needfunding for environmental impacts. process, andproducts thatreduce orservices negative ideas services Loan for aclean oradvisory technology yearsfew (according to theexistingpolicy). received EmploymentInsurance Benefitsoverthe past allowance for thebusinessstart-up iftheperson has their businessupandrunning.Alsooffers aweekly Employment Insurance are Benefitswhilethey getting Allows participants to continue to receive their established entrepreneurs. Business counselling intheform ofadvice and to new requested from client. performance. Acertain financial contribution is agent invarious fieldsofexpertise to improve business Assistance provided through anexternal counselling sources andbusinessanalysis. bookkeeping, feasibilitydevelopment, studies, funding Tailored skillstraining inspecialareas suchasmarket Consulting Advisory Services ConsultingAdvisory (CAS) General BusinessLoan Clean Technology Initiative Self-Employment Benefit (SEB) BusinessCounselling BusinessManagement SkillsTraining success ofourentrepreneurs A variety ofproductsfor andservices the This istheperfect loan to putyourplansinto action. become aself-sufficient andprofitable businessowner. Offers counselling services for individualswhowish to commercialization technologies. ofnew knowledgebase economy andaidsintheadoptionor Helps promote ofthe thedevelopment enjoy socialactivitiesintheirregion. communities where peopleare ableto live,workand Tailored to social enterprises operating inrural financing. 18 to 34whoexperience difficultyobtaining necessary Provides start-up capital for youthbetween theages of Youth Loan First-Time Entrepreneur Loan Innovation Loan SocialEnterprise Loan your CBDC,contact usorvisitthefollowing link: For more information ontheprograms offered by Contact Us CBDCAtlantic /NBCBDC Atlantic Associationof CBDCs/NBCBDC www.cbdc.ca 1 888303-CBDC(2232)