This How-To Guide is designed to assist you with secondary research by giving you key information and contacts for the food and beverage processing industry in Newfoundland and Labrador.
For general regulations applicable to any business operating in the province, see our Business Start-Up Info-Guide. It contains information on incorporation, taxation, labour laws, intellectual property, and more.
For details on any organization listed in this guide, contact the organization directly.
If you have any questions about this guide, or, for information on our Network Site nearest you, please contact us directly:
Canada/Newfoundland and Labrador Business Service Centre
90 O'Leary Avenue
P.O. Box 8687
St. John's, Newfoundland and Labrador A1B 3T1
Telephone: 709-772-6022
Fax: 709-772-6090
Toll-free (information): 1-800-668-1010 (in the Atlantic region only)
TTY Toll-free (hearing impaired): 1-800-457-8466
E-mail: info@cbsc.ic.gc.ca
Web site: http://www.cbsc.org/nl
Hours of operation: 8:30 am to 5:00 pm Monday to Friday
Start your business plan
1. What is a business plan?
2. Can I do my business plan online?
3. Where can I find a sample business plan?
4. Who can help me write my business plan?
Start your research
5. What is the economic outlook for Newfoundland and Labrador?
6. What strategic sectors are being promoted by my region?
7. Where can I find a profile of the food and beverage industry?
8. Where can I find business statistics?
9. Are there industry associations I can join and what membership benefits do they offer?
10. Where can I find books, trade magazines and local sector studies?
11. Are there trade shows I can attend?
12. Where can I get training?
13. How can I find suppliers?
14. Where can I find information about exporting my products?
15. Where can I find information about pet food manufacturing and processing?
Know the regulations
16. What government departments or agencies do I need to contact?
17. What information do I need to put on my labels?
18. How do I get a bar code?
Finance your business
19. How do I prepare before approaching lenders?
20. What government financing is available to me?
21. What other agencies offer financing?
1. What is a business plan?
A business plan is simply a written document that describes the future path of a business. A good business plan explains the business concept, summarizes the objectives of the business, identifies the resources (both in terms of money and people) needed by the business, describes how those resources will be obtained, and tells the reader why the business will succeed.
Business plans come in many shapes and sizes. Sections common to most business plans include:
A business plan is important because:
2. Can I do my business plan online?
(Back to table of contents)Canada Newfoundland and Labrador Business Service Centre (CNLBSC)
The
Interactive Business Planner
is an award-winning business planning tool that enables you to do your business plan online! With the IBP, you will:
3. Where can I find a sample business plan?
(Back to table of contents)Business Plan Handbook Series
The Business Plan Handbook is an 13-volume set of books published by Gale Publishers. Each volume contains sample business plans based on actual North American businesses. The Business Plan Handbook
is available at the Business Service Centre or any of our Network Sites. Volumes 1-11 of this series of sample business plans are available online, along with other samples, through the Carnegie Library of Pittsburg (scroll down to A-Z ndex) at:
http://www.carnegielibrary.org/subject/business/bplansindex.html
Samples related to food and beverage production are:
Bplans.com web site
http://www.bplans.com/
This is a software package available for purchase; however, over 100 sample business plans are available for free on their web site.
FIRSTBUSINESS.CA
http://www.firstbusiness.ca/guides/busplans.htm
Small Business BC in cooperation with ABSN has sample business plans based on six hypothetical Aboriginal businesses available on their web site.
4. Who can help me write my business plan?
(Back to table of contents)Y Employment and Enterprise Centre
A recognized leader in business plan development, staff of the Centre offer in-depth one-on-one counselling to help clients determine the viability of a business. The client is responsible for writing the plan; however, an experienced business consultant guides clients through each section at a comfortable pace.
Y Employment & Enterprise Services - Contacts for Newfoundland and Labrador
Community Business Development Corporations
CBDC's are located throughout the Province. Staff assist in the creation of small businesses and in the expansion and modernization of existing businesses by providing financial and technical services to entrepreneurs. Technical services include business counselling & advice. Fees for services may apply - check with your local CBDC.
Entreprise and Entrepreneurship Gateway
- Memorial University
Business coaches offer technology-able, youth entrepreneurs assistance in evaluating their idea, determining the human, material and financial resources required, developing an enterprise plan, and connecting with the most relevant resource. No fee for services.
Enterprise and Entrepreneurship Gateway (MUN)
Memorial University of Newfoundland (MUN)
Faculty of Business Administration
Business Building, Room 4014
St. John's, NL A1B 3X5
Telephone: 709-737-8855
Fax: 709-737-2383
E-mail: gateway@business.mun.ca
Web site: http://www.business.mun.ca/gateway
Metro Business Opportunities Corporation (MBOC)
Through the business plan development component of the Entrepreneurial Opportunities Program (EOP), staff offer clients one-on-one assistance in developing their business plan. There are no fees for services. However, the application process is competitive and limited to a maximum of ten (10) individuals.
Avalon - St. John's Metropolitan Area
Metro Business Opportunities Corporation (MBOC)
35 Blackmarsh Road
Triton Building, Suite 107
St. John's, NL A1E 1S4
Telephone: 709-738-1626
E-mail: contact@mboc.ca
Web site: http://www.mboc.ca
Private consultants
See Business Consultants in the yellow pages of your telephone directory if you wish to hire a private consultant to develop your business plan for you. Private consultants usually charge an hourly rate plus expenses (e.g. photocopying; long-distance telephone charges; etc.).
5. What is the economic outlook for Newfoundland and Labrador?
(Back to table of contents)
Department of Finance
Information on the economy of Newfoundland and Labrador can be found on the Department of Finance Web site. Specifically, look for these sections:
6. What strategic sectors are being promoted by my Regional Economic Development Board?
(Back to table of contents)
Regional Economic Development Boards (REDB)
The Province of Newfoundland and Labrador is divided into twenty economic zones each represented by a Regional Economic Development Board (REDB) whose job it is to facilitate the development of business and economic opportunities in its zone.
Each of these Boards has developed a strategic 5-year plan which lists sectors identified as having strong potential for growth. Many boards have their plans posted on their respective Web sites.
The Department of Innovation, Trade and Rural Development (INTRD) has also identified food and beverage manufacturing as a strategic sector, and has a sector specialist on staff. The sector specialist works closely with industry, economic development groups, the federal and provincial governments to develop and implement strategies that support the growth and diversification of this sector.
Ms. Deborah Guillemette
Sector Development Specialist - Food and Beverage
Department of Innovation Trade and Rural Development
28 Pippy Place
St. John's, Newfoundland and Labrador A1B 3X4
Telephone: 709-729-1943
E-mail: DGUILLEMETTE@gov.nl.ca
Web site: http://www.intrd.gov.nl.ca/intrd/
7. Where can I find a profile of the food and beverage industry?
(From: A Secondary Food Processing Investment Strategy for Newfoundland and Labrador, March 2000)
There are three main components in the Newfoundland and Labrador food processing industry:
Manufacturing, or secondary processing, entails transforming agricultural and seafood commodities through cooking; the addition of extra ingredients; or some other form of enhancement which generally increases the value and marketability of the product.
Newfoundland and Labrador companies are generally small in size - primarily because of small, rural domestic markets which means:
(From NL Department of Natural Resources, May 2006)
The food and beverage manufacturing industry, excluding sea-foods, grew 3% in 2005 to a record high $398.3 million dollars. Furthermore, this industry has grown 40% since 2000.
Average monthly employment in food and beverage manufacturing declined 1% in 2005 to 1,639 persons. Peak employment occurred in September at 1,749 persons. However, this was 1% below the peak period in 2004.
There are over 140 secondary food processors in Newfoundland and Labrador
Health Canada -
Food Value Chain Bureau
This site contains information on food trends (see list below), plus reports relevant to food processors.
8. Where can I find business statistics?
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Statistics for Business Planning
The Canada/Newfoundland and Labrador Business Service Centre (CNLBSC) and the Atlantic Canada Opportunities Agency (ACOA) partnered to develop an online guide called Statistics for Business Planning. The guide links you to key sources for business statistics. It also provides a description of each source plus tips and instructions on using each source. Types of statistics included are:
There are additional statistics in this guide, under the question: Where can I find a profile of the food and beverage industry? Other statistics may be available from the Canada/Newfoundland & Labrador Business Service Centre , as we have an extensive business library which includes publications specific to food and beverage processing.
9. Are there industry associations I can join and what membership benefits do they offer?
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Canadian Council of Grocery Distributors
CCGD members account for more than 80% of all the groceries distributed in Canada, and include retail and wholesale operations of all sizes; foodservice distributors; and allied members that provide products and support services to the rest of the industry. CCGD's mission is to advance and promote the economic well-being of members, helping them deliver the best possible value to Canadian consumers.
Canadian Federation of Independent Grocers
The Canadian Federation of Independent Grocers (CFIG) is a non-profit trade association founded in 1962 with the purpose of furthering the unique interests of Canada's independently owned and franchised supermarkets. CFIG provides the following services:
Canadian Health Food Association
The Canadian Health Food Association is the only national trade association representing manufacturers, distributors and retailers of natural health products.
Food and Consumer Products Manufacturers of Canada
FCPMC is the industry association representing over 165 Canadian operated member companies that manufacture and market an array of food and consumer products that are integral to daily life at home, work and leisure. These companies provide Canadians with safe, nutritious and high quality products sold through retail grocery, drug, convenience, mass merchandise and foodservice distribution channels. The mission of the FCPMC is to enhance the growth and competitiveness of the food and consumer products manufacturing industry.
Food Beverage Canada
Food Beverage Canada Association is committed to the development of export strategies and programs that will strengthen and increase its members' share of global food and beverage markets. The Association also offers web site opportunities through a site called Marketplace which generates approximately 15,000 hits a month.
The Food Value Chain Bureau is part of Agriculture and Agri-Food Canada. On its web site, there is a list of industry associations, including some that represent specific food/beverage sub-sectors, such as:
Food Technology Centre
(FTC)
The FTC is a technology transfer and development facility established to provide technical service support, primarily to the agri-food and seafood processing sectors of PEI and Atlantic Canada. Their Atlantic Natural Products Development Initiative will focus on research and development (R&D) projects designed to tap into a growing global market for natural products, by developing a new generation of products derived from Atlantic bio-resources.
Local Business Organizations
Many communities have business organizations which organize information sessions and networking opportunities for members. Some of these are listed below. You can also check the yellow pages of your telephone directory under either Business & Trade Organizations or Associations:
10. Where can I find books, trade magazines and local sector studies?
(Back to table of contents)
Canada/Newfoundland & Labrador Business Service Centre
The following books, magazines and local sector studies relevant to the food and beverage industry are a sample of the type of material available at the Canada/Newfoundland and Labrador Business Service Centre. We offer a free
Books By Mail Service
and an online
Library
catalog.
Magazines
Foodnews
Foodservice & Hospitality
Books
US food labelling : 2006
CD # 27 BOTV
Canadian nutrition labelling : 2006
CD # 28 BOTW
Canada food stats
CD-ROM # 24 BNQZ
The 2007 beverage marketing directory
REF HD 9348 .U6 B48 2007
Natural health products Canada 2006 : retail products, regulatory, manufacturing, raw materials and services
REF HF 5030 N37 2006
Traceability resource directory : Atlantic Canada
REF TP 370 A74 2004
Fruit and vegetable production
HA 741 F77 2004
Food statistics : 2003
HA 741 S72 2004
Supply chain food product recall manual
REF HF 5415 .9 A47 2003
Food expenditure in Canada : 2001
HA 741 F351 2003
A Guide To Atlantic Canadian Agri-Food, Seafood and Beverage Products
Call number: S 493 .C3 A37 2002
The Canadian fruit and vegetable canning, pickling and drying industry : sub-sector profile
HF 1416 .C3 A47 2002
The Canadian distillery industry : sub-sector profile
HF 1416 .C3 A574 2002
Profile of the Newfoundland and Atlantic consumers : demographic and economic situation and food buying patterns
HA 741 C36 200?
The Canadian snack food industry : sub-sector profile
HF 1416 .C3 A47 2000
Food process handbook for the Newfoundland area
Call number: TP 373 F66 1998
A complete course in canning and related processes
Call number: TP 371 .2 C652 1996 V.1-3
Sector Studies
The Canada/Newfoundland and Labrador Business Service Centre maintains a database of local sector studies. Below is a list of some of the studies available on the food and beverage industry. For a complete list of studies visit the
Sector Studies Inventory (SSI)
web site.
11. Are there trade shows I can attend?
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CNLBSC - Events Calendar
Our Centre maintains an Events Calendar with an extensive listing of local trade shows and business events. Our Events Calendar is also interactive, allowing you to add your own events!
The following is a list of some provincial, national and/or international trade shows:
Canadian Gift & Tableware Association Gift Show
Private Label Manufacturers Association (PLMA)
http://www.ats.agr.gc.ca/plma/
SIAL Montréal
http://www.sialmontreal.com/home.ch2
Canadian Manufacturers and Exporters - Newfoundland and Labrador Division (CME-NL)
ANUGA
http://www.anuga.com
Agri-Food Trade Service
- Trade Events
Selected Upcoming Food Trade Shows - This document provides brief descriptions of shows occurring worldwide:
Ministry of Agriculture and Food
- Government of Ontario
This site lists many key national food and beverage related events, such as:
12. Where can I get training?
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College of the North Atlantic (CNA)
The College has several programs related to the food industry:
Marine Institute (MUN)
The Institute has several programs related to the food industry:
LMIworks - Labour Market & Career Information
Residents of Newfoundland and Labrador can call toll free 1-800-563-6600 (729-6600 in St. John's local calling area) to obtain career and work search information. The Web site offers the latest in provincial career and employment information and offers links to national and international resources. There are also Career Information Resource Centres throughout the Province.
13. How can I find suppliers?
(Back to table of contents)There are a variety of ways to find sources of supply for the raw materials you require for food and beverage processing. You can network with other processors, either on an individual basis, or by joining a local group, or by taking part in online discussion groups featured on some food/beverage-related web sites.
You can visit the nearest Canada/Newfoundland and Labrador Business Service Network site and use the multitude of directories available that list manufacturers, distributors and wholesalers. Some of these directories are in print format, but many are also available online. Some are Buyer's Guides that come as part of a magazine subscription (see list below).
You may find suppliers by attending trade shows. For example, some companies supplying packaging materials and display systems attend the various food-related trade shows. Most trade shows have web sites - check online to see if suppliers will be on hand.
Once you have a list of potential suppliers, you need to contact each to request catalogs and price lists (some may have online catalogs), and get specific information on minimum orders, shipping options and charges, etc. Suppliers are more cooperative and provide more information if they know you are an established business person with a good credit rating, and are offering them a 'significant sale'. In turn, you should ensure that your potential supplier is reputable by obtaining background information on the company and by talking with other manufacturers who have had dealings with the supplier.
The following directories are available online, or through the Canada/Newfoundland and Labrador Business Service Network.
Local Suppliers
Canadian Manufacturers and Exporters
(CME) - Newfoundland and Labrador Division
For local suppliers of products manufactured in this province, contact CME's Newfoundland and Labrador Division. CME staff may be able to connect you with one of their members, or you can search their membership directory online.
Telephone Directories
Whether using paper or online versions of the yellow pages, check for suppliers of craft-related products and services under such headings as:
Buyer's Guides/Magazine Subscriptions
General Business Directories (not specific to the food and beverage industry)
14. Where can I find information about exporting my products?
(Back to table of contents)
Canada/Newfoundland & Labrador Business Service Centre
The Canada Business network (of which the CNLBSC is a part) manages
Exportsource.ca
- a Web site developed to help Canadian businesses prepare for the global marketplace. From this site, you can access key resources such as:
CNLBSC staff will also put you in contact with local trade experts including staff from:
Canada/Newfoundland and Labrador Business Service Centre
90 O'Leary Avenue
P.O. Box 8687
St. John's, Newfoundland and Labrador A1B 3T1
Telephone: 709-772-6022
Fax: 709-772-6090
Toll-free (information): 1-800-668-1010 (in the Atlantic region only)
TTY Toll-free (hearing impaired): 1-800-457-8466
E-mail: info@cbsc.ic.gc.ca
Web site: http://www.cbsc.org/nl
Hours of operation: 8:30 am to 5:00 pm Monday to Friday
Agri-Food Trade Service
This web site is a source for agricultural, fish and seafood export information. It provides centralized access to market information, trade counselling and export support activities, which will take the exporter from initial enquiry to foreign market.
Canada Border Services Agency (CBSA)
Small and Medium-sized Enterprise Centre
This section of the CBSA's web site is tailored to meet the needs of small and medium-sized enterprises (SMEs) but is useful for all importers and exporters. It contains information on:
15. Where can I find information about pet food manufacturing and processing?
Canada
Pet Food Association of Canada
(PFAC)
The mission of the Pet Food Association of Canada is to instill in the consumer confidence about the wholesomeness and quality of commercially-prepared pet foods through the development and promotion of the highest standards in pet food manufacturing. The PFAC is a trade association representing:
Members of the Pet Food Association of Canada follow The Manufacturing Guidelines for the Canadian Pet Food Industry.
Guide for the Labelling and Advertising of Pet Foods
In September 2001, the Competition Bureau updated this guide, which is a voluntary code of conduct setting out best practices for industry in the labelling and advertising of pet foods, as well as a benchmark for enforcement purposes by the Competition Bureau. This resulting guide applies to all claims concerning pet food products included in labelling, advertising, promotional materials and all other forms of marketing in connection with the sale of these products.
Canadian Veterinary Medical Association (CVMA)
The CVMA's Pet Food Certification Program ensures that manufacturers consistently meet established nutritional standards in order to earn the CVMA certification. The certification program is completely independent from any pet food maker or retailer.
Pet Food
: Import Procedures
The Canadian Food Inspection Agency (CFIA) is responsible for ensuring that pet food products imported into Canada are disease free. Types of products include:
United States
Pet Food Institute
Since 1958, the PFI has served as the voice of the US pet food industry, an industry that is committed to providing consumers and their pets with products that meet the complex nutritional requirements of our companion animals. PFI now represents the manufacturers of 95 percent of the total dog and cat food tonnage produced in the United States.
US Food and Drug Administration
- Interpreting Pet Food Labels
In the United States, pet food labelling is regulated at two levels. The Federal regulations, enforced by the Food and Drug Administration's Center for Veterinary Medicine (CVM), establish standards applicable for all animal feeds: proper identification of product, net quantity statement, manufacturer's address, and proper listing of ingredients. Some States also enforce their own labelling regulations. Many of these have adopted the model pet food regulations established by the Association of American Feed Control Officials (AAFCO). These regulations are more specific in nature, covering aspects of labeling such as the product name, the guaranteed analysis, the nutritional adequacy statement, feeding directions, and calorie statements.
Association of American Feed Control Officials
A basic goal of AAFCO is to provide a mechanism for developing and implementing uniform and equitable laws, regulations, standards and enforcement policies for regulating the manufacture, distribution and sale of animal feeds; resulting in safe, effective, and useful feeds. The Association thereby promotes new ideas and innovative procedures and urges their adoption by member agencies, for uniformity.
United Kingdom
Pet Food Manufacturers Association
The PFMA was formed in 1970 as a trade association which represents approximately 95% of the UK pet food manufacturing industry and comprises 53 member companies.
16. Which government departments or agencies do I need to contact?
For information on general business regulations, such as incorporation, taxation, labour standards, insurance, and intellectual property, see our Business Start-Up Info-Guide.
Town or City Council Office
Municipal governments have varying requirements regarding the operation of businesses within their town/city boundaries. Your local municipality should be consulted on such matters as:
Government Service Centres
The GSC processes permits, licences, approvals and conducts inspections and investigations on behalf of a number of line departments. Whether you have a home based operation or a separate manufacturing facility, you should contact the Centre nearest you to ask what regulations may apply. Listed below are some of the services offered by the Government Service Centre:
Canadian Food Inspection Agency
Most food and beverage manufacturers will need to consult with the Canadian Food Inspection Agency (CFIA), as the CFIA is responsible for administering and enforcing the following Acts:
Contact
Food Safety Enhancement Program
(HACCP)
The Canadian Food Inspection Agency (see above) is also responsible for the food safety training. Hazard Analysis Critical Control Points (HACCP) represents a new way of approaching the management of chemical, physical and biological hazards which affect food production. It shifts the focus away from costly, and many times inconclusive, end-product testing to more rigorous and scientific management of food processing activities. Critical points in production of a food product are identified and monitored. HACCP systems are unique for each establishment and specific food product.
Canada is a world leader in the development of prerequisite programs, HACCP systems (and generic models) and the implementation in food establishments. This Web site includes:
Department of Fisheries and Aquaculture -
Fisheries - Licencing
Fish processing plants must be licensed for secondary processing.
Department of Fisheries and Aquaculture
Petten Building
30 Strawberry Marsh Road
P.O. Box 8700
St. John's, Newfoundland and Labrador A1B 4J6
Telephone: 709-729-3723
E-mail:
Web site: http://www.gov.nl.ca/fishaq/licensing/licencing.stm
Newfoundland and Labrador Liquor Corporation
The NLC operates in partnership with the provincial Government Services Centre and enforcement agencies to ensure compliance with the Acts and Regulations pertaining to the sale, transportation and distribution of beverage alcohol within the province. These Acts and Regulations include:
Newfoundland and Labrador Liquor Corporation
85 Kemount Road
P.O. Box 8750, Station A
St. John's, Newfoundland and Labrador A1B 3V1
Telephone: 709-724-2238
Fax: 709-754-2239
E-mail: info@nfliquor.com
Web site: http://www.nfliquor.com/about/default.asp
17. What information do I need to put on my labels?
Canadian Food Inspection Agency
Regional Director, Newfoundland
Canadian Food Inspection Agency
10 Barter's Hill Road
St. John's, Newfoundland and Labrador A1C 5X1
Telephone: 709-772-4424
Fax: 709-772-2282
Toll-free (information): 1-800-442-2342
TTY Toll-free (hearing impaired): 1-800-465-7735
Web site: http://www.inspection.gc.ca/english/toce.shtml
Health Canada
The new regulations on nutrition labelling are applicable to almost all prepackaged foods. This ensures that the Nutrition Facts table has a consistent "look", and is easy to find and read. To help you better understand the new food label, Health Canada created a tool called the
Interactive Nutrition Label
.
Canadian Exporters' Guide to Food Labelling & Packaging Requirements of the European Union
After the US, the EU is the world's largest market for agri-food products. This guide is intended to provide detailed and practical information on EU legislation governing the sale and marketing of packaged foodstuffs within the EU.
18. How do I get a bar code?
GS1 Canada
(formerly the Electronic Commerce Council of Canada)
GS1 Canada is a not-for-profit organization that promotes and maintains global standards for the identification of goods, locations, and related e-commerce communication, such as bar code issuance and maintenance. GS1 Canada is the only authorized source for globally unique company prefixes in Canada.
19. How do I prepare before approaching lenders?
Lending - The Basic Criteria
A document that covers the factors lenders consider when providing financing to entrepreneurs. It also contains tips on how to present your business idea to potential lenders.
Dealing With Your Banker & Other Lenders
A document that offers techniques for building good relationships with bankers and other lenders.
20. What government financing is available to me?
Please note that this alphabetical list is provided to help food and beverage manufacturers focus on a few relevant programs rather than have to review an exhaustive list of programs available to entrepreneurs. The Canada/Newfoundland and Labrador Business Service Centre has no role in determining who will receive assistance under any of these programs.
Agriculture and Agri-Food Canada
-
Agri-Food Trade Service (ATS)
Atlantic Canada Opportunities Agency (ACOA)
- counselling service
-
Business Development Program
Business Development Bank of Canada
- consulting service
-
Starting a business
-
Growth Capital for Aboriginal Business
Department of Human Resources, Labour and Employment (HRLE)
- Graduate Employment Program
- Linkages
- NL Works
- Student Work and Service Program(SWASP)
- Student Employment Program
- Seasonal Employment Program
Department of Innovation, Trade and Rural Development (INTRD)
- business counselling
- Commercialization Program
- Innovation Enhancement Program
- Small and Medium Enterprise Fund
- Small Business and Market Development Program
National Research Council
-
NRC Industrial Research Assistance Program (NRC-IRAP)
21. What other agencies offer financing?
Please note that this alphabetical list is provided to help food and beverage manufacturers focus on a few relevant programs rather than have to review an exhaustive list of programs available to entrepreneurs. The Canada/Newfoundland and Labrador Business Service Centre has no role in determining who will receive assistance under any of these programs.
Banks and Credit Unions
All major banks and credit unions offer small business loans and have a wealth of business information available on their Web sites. Listed below are links to the major financial institutions operating in Newfoundland and Labrador:
Canadian Youth Business Foundation
-
Start-up Financing for Youth
-
Expansion Financing for Youth
-
Mentors for Young Entrepreneurs
-
Succession Financing for Youth
Community Business Development Corporations
- Financial Assistance Program
- Self Employment Benefits Program
- SEED Capital Program
- business counselling
Newfoundland and Labrador Organization of Women Entrepreneurs (NLOWE)
- services to women entrepreneurs at all stages of business development
- Women in Business Initiative (in conjunction with ACOA)
Ulnooweg Development Group Inc.
- Ulnooweg Loan
- Aboriginal Business Development Loan
- ABC Aboriginal Youth Business Loan
DISCLAIMER
Information contained in this document is of a general nature only and is not intended to constitute advice for any specific fact situation. Users concerned about the reliability of the information should consult directly with the source, or seek legal counsel.
Links Policy
Some of the hypertext links lead to non-federal government sites which are not subject to the Official Languages Act and the material is available in one language only.