First Citizens Fund — Business Loan Program

Access to affordable financing can be a major hurdle for Indigenous entrepreneurs looking to start, grow, or stabilize a business in British Columbia. The First Citizens Fund — Business Loan Program is designed to help address that gap by connecting Indigenous-owned small and medium-sized businesses with repayable loan financing through trusted, community-based lenders across the province. Delivered by the Province of British Columbia through the Ministry of Indigenous Relations and Reconciliation, the program works in partnership with several Aboriginal Capital Corporations that understand the local business landscape and cultural context.

Rather than operating as a single centralized loan, the program supports a range of business needs, from launching a new venture to expanding operations, purchasing equipment, or improving cash flow. Loan amounts and terms vary depending on the project and the business’s circumstances, allowing for flexibility that traditional lenders may not offer. Because the program is delivered regionally, applicants benefit from working directly with Indigenous financial institutions that can provide guidance throughout the lending process, not just funding.

The First Citizens Fund Business Loan Program is generally available on an ongoing basis for Indigenous entrepreneurs in British Columbia who meet certain requirements. For business owners exploring financing options that align with community-focused economic development, learning more about how this loan program works and which lender to approach can be an important next step.