Welcome | Investing | Loans | Training About Us       


Have you ever wanted a small loan to go after an opportunity for work or business but could not get it through conventional sources?

I'm pretty happy with the way things have turned out and have to say the Loan Fund had a big part to play in that - Steven Barnes 


Have you ever wanted to invest in your own community. Well here is your chance. 

It’s about entrepreneurship, helping people be creative and take risks. To me investing in the Loan Fund makes complete sense for our community. Gerry Pond, Chairman, Mariner Partners Inc.


The Saint John Community Loan Fund (Loan Fund) has been taking investments to build its capital since 1999. It uses this invested capital to help individuals create income, build assets, and attain greater self-reliance by providing:

   business loans

•   employment loans

•   affordable housing loans

•   Social Enterprise loans
•   financial literacy training

•   community leadership training

•   enterprise development

•   youth entrepreneurship

•   matched savings program


The Loan Fund promotes community investing. It recruits investments to build its loan pool and donations to safe-guard the loan pool against losses. It has never lost an investor's money.

Since starting in 1999, the Loan Fund has used these investments to make over 230 loans for a total value greater than $369,000. The impact has included individuals ending reliance on Provincial Income Assistance, families becoming self-reliant, plus $ millions in new income circulated here. This has saved the provincial government approximately $500,000 in social assistance payments.

We believe strongly in investing locally. We also believe everyone has a right to earn an adequate income for themselves and their families.


Join us in making a difference in Saint John.

Want to get involved? Call! 506.652.loan (5626)

Saint John Community Loan Fund
133 Prince Edward St., Saint John, NB E2L 3S3
Email: loanfund@nbnet.nb.ca
Fax: 506.652.5603
* Charitable# 85491 3241 RR0001





Upcoming Training

Money Matter$ - On going

Money Matter$ is a training course to help you understand the financial world around you. The course includes classes covering Assets, Budgeting, Banking, Consumerism and Credit. We deliver this program in partnership with several local agencies. To inquire email  training@loanfund.ca


A$$ETS - In progress

Learn about your assets and begin saving your money with our help. We deliver this program in partnership with NB Dept. of Social Development. To inquire email  admin@loanfund.ca


Power Up - In progress *Poster*

A 10-week course in community leadership for women

To inquire contact Vicki at powerup@loanfund.ca


Enterprising Women - March 2014

A 20-week course for women to learn about business and launch it!

To inquire contact Melanie at enterprise@loanfund.ca

YES   - Summer 2014

Are you between the ages of 12-17? Are you interested in learning about and starting a small business next summer? You'll learn about how to take an idea and develop a business while making a difference in your community. What a great way to explore entrepreneurship as a future career. We deliver this program through partner agencies like SJ Boys & Girls Club and YMCA.


For more information email us at training@loanfund.ca



Share your Success


Are you already an Enterprising Woman? Interested in sharing your ideas for success?  Contact Melanie at enterprise@loanfund.ca


Building assets

In 2009 we moved into a building we purchased and renovated. To see the whole story click on the image.


Other articles about Community Investing

Building Local Assets: Community Investment in Canada, May 2009

Canadian Community Investment Network




Creating Capital Pools to Support Social Enterprise Development 2008


Financial Assistance for Immigrant Training (FAIT) 2008




Welcome | Investing | Loans | Training | Greeting Cards

| Auction | About Us

 Copyright 2013 Saint John Community Loan Fund


 *SJCLF News & Events*

Social Enterprise Development Dialogue 2014 -  Atlantic Canada’s premier event that focuses on entrepreneurship with a mission - April 24 & 25 2014 in Saint John  - Register now!

Leaders from business, non-profit, co-op and government will come from the Atlantic Provinces and as far as Boston and Toronto to discuss building the ecosystem and the enterprise. The event will feature a pitch competition, kitchen party and two streams of workshops. Thursday evening will feature a keynote by Andreas Souvaliotis, the founder of Green and Social Change Rewards, and author of Misfit. We will also have speakers from the MaRS Discovery District in Toronto, and from the Merrimack Valley Sandbox in Boston.


Thank you to the all of our funders and partners in 2013 for making our work possible.

You can also donate directly through CanadaHelps.org, just click on the image below

Donate Now Through CanadaHelps.org!\


YES! Participants from Boys and Girls Club pay back their loan for their cookie business they ran in the summer.











Graduating Classes


A group of Enterprising Women finish class and begin to launch businesses.



Loan Fund Annual Reports

2013 Annual Report

2012 Annual Report

2011 Annual Report

2010 Annual Report

2009 Annual Report

2008 Annual Report

2007 Annual Report

2006 Annual Report