Important Announcement

Learn about our


financing options

Two Rivers is administering three (3) COVID-19 emergency and recovery loan funds to support Aboriginal businesses in our catchment area that have been impacted by COVID-19.

The Regional Relief and Recovery Fund (RRRF) provides liquidity support to businesses and not-for-profit organizations affected by the economic impacts of COVID-19, that are unable to access other federal relief measures, or require additional support. The Fund, valued at more than $2 billion nationally, is delivered by Canada’s regional development agencies. In southern Ontario, $436.4 million is being delivered by FedDev Ontario and the Community Futures Development Corporations (CFDCs). 

Funding available through your local CFDC

Covid19 Support provided to date:

RRRF loans and business support:  25 businesses supported with $894,889, working with Grand River Employment and Training we provided $100,000 to assist 12 businesses adapt sales channels and operations during this crisis.  

With the support of the Government of Ontario we committed $2,035,000 to an additional 42 businesses. 

In order to provide targeted assistance to the small towns and communities they serve, CFDCs are helping a range of businesses, such as retail shops, restaurants, corner stores, and businesses of strategic importance to their communities, with loans up to $50,000. Not-for-profit (NFP) organizations that provide support services to SMEs as well as those engaging in commercial activities will be eligible for liquidity support.

Eligible CFDC applicants must also meet the following criteria:

  • Established prior to March 15, 2020;
  • Impacted adversely by the COVID-19 pandemic;
  • Viable and not experiencing other financial difficulties prior to March 15, 2020;
  • Have attempted to access other federal relief supports and were ineligible, rejected, or require funding for expenses that have not been supported, with priority given to applicants who were ineligible or rejected from other federal relief supports.

Applications can be submitted for:

  • Loans of up to $50,000 $60,000 to provide liquidity support for fixed operating costs, expenses to meet health and safety standards related to Covid19, costs to pivot your business operations due to Covid-19 and  to maintain regular operations where revenues or cash flows have been affected by the COVID-19 pandemic.

Next steps: 

  • Follow the application process provided by your local CFDC. 
  • Contact your local CFDC by telephone or email.
  • Complete the application.

Funding available through FedDev Ontario

Should you be interested in a loan of $60,000 or more and meet the eligibility criteria, you may wish to apply to FedDev Ontario for direct funding.

For more information, please visit the FedDev Ontario website and consult the Applicant Toolkit.

Please note: Applicants will not receive RRRF assistance from both their local CFDC and FedDev Ontario. Review the program guidelines to see which stream is right for you and contact us if you have any questions before applying.

The process

Not sure what it takes to get started? No problem read on to learn how we work with you!
01. Give Us A Call

Connect with our Business Support Team to discuss all your business financing

02. Make a Plan

Once deemed eligible you will be invited to submit an application.  Our Business Support Officer will review the application to ensure eligibility and the viability of the request. Once reviewed the BSO will contact you to submit a more detailed business plan

03. Move Forward

Put your best foot forward by discussing the plan with your Business Support. Officer to be sure all details have been included and that all your questions have been addressed and all information is complete.

04. Getting the Go Ahead

Once submitted your plan will be reviewed and you will be advised in writing of approval or decline as well as reasons for decline or conditions that may be included in your Letter of Offer.

05. Cash the Cheque

You will be required to sign agreements, including loan repayment terms and advise us on your progress. Working hand-in-hand with the ongoing support of Two Rivers Support Team you are on your way to achieving your business goals!


Loans are available to assist with: starting a new business, expanding an existing business, acquisition of an existing business, purchasing equipment, and working capital for inventory and day to day expenses.

1. The following financing criteria must be met
  • Business must be located in our service area (see  “Eligibility”)
  • Equity of not less than 10% to 15%
  • Demonstrated ability to repay
  • Evidence of future economic viabilityManagement skills
2. Change Styles
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