Business loans in New Brunswick
Moncton, Saint John, Fredericton and the North Shore: New Brunswick businesses in forestry, seafood, transport and services work in both English and French.
A referral service, free for owners. We usually call the same business day, often within minutes of your application.
Local pages in New Brunswick
- Moncton, Saint John, Fredericton, Dieppe, Miramichi, Edmundston and Bathurst, plus rural areas
Local economy
The New Brunswick business landscape
New Brunswick is Canada's only officially bilingual province, and its economy reflects both its forests and its crossroads position. Forestry, sawmills and pulp and paper have long supported towns across the interior. Saint John is an industrial port with an oil refinery and shipping, Moncton is a transport, logistics and call-centre hub, and Fredericton combines government with a growing technology sector. Potatoes and frozen food processing dominate the upper Saint John River valley, while lobster and seafood processing sustain the Acadian Peninsula and the Northumberland Strait. Summer tourism along the Fundy coast adds a busy season for inns and restaurants.
Tax accounts lenders check
New Brunswick uses the Harmonized Sales Tax (HST) at 15%, administered by the CRA. Lenders often look for regular HST remittances and payroll source deductions in good standing.
What fits
What New Brunswick owners usually apply for
- Equipment financing for logging, trucking and processing equipment.
- Invoice factoring for carriers and suppliers on long payment terms.
- Working capital for payroll and inventory.
- Lines of credit for seasonal businesses.
Local industries
- Trucking: Moncton sits on routes between the Maritimes, Quebec and the United States. Carriers waiting on shippers often use invoice factoring, with equipment financing for tractors and trailers.
- Manufacturing: Food processors and wood product plants buy equipment and raw materials ahead of sales. Equipment financing and a line of credit let them take on orders without straining cash.
- General contractors: Contractors in Moncton, Fredericton and Saint John wait on progress payments. A revolving line of credit covers labour and materials between draws on each job.
Paperwork
What to have on file
- Business registered with Service New Brunswick's Corporate Registry (or federally incorporated)
- WorkSafeNB coverage if your industry requires it
- HST account in good standing with the CRA
Public help
Free public help in New Brunswick
- Opportunities New Brunswick: the provincial Crown corporation for business development.
- Government of New Brunswick: the provincial government site, with business registration through Service New Brunswick.
- CSBFP: government-backed loans through participating banks and credit unions.
No affiliation implied.
FAQ
New Brunswick business funding questions
Can I work with you in French?
Yes. Many New Brunswick businesses operate in French, and lenders in our network accept French documents. We can speak with you in either official language throughout the referral. Registration papers from Service New Brunswick in either language are fine, along with the most recent six months of bank statements.
Do lenders check HST remittances?
They may. New Brunswick uses the Harmonized Sales Tax, remitted to the CRA. Regular HST and payroll remittances in your statements help, and any CRA arrears or payment arrangement should be disclosed early. Being open about it saves time for everyone.
Is WorkSafeNB coverage relevant?
It can be. Construction and trades businesses are often asked to show their WorkSafeNB account is in good standing, and contractors frequently require it before paying subcontractors. Request a fresh clearance before you apply so it is ready if a lender asks.
We are a seafood processor with seasonal deposits. Can we apply?
Yes. Lenders read the most recent six months of business bank statements, so the landing season will show clearly. Explaining the cycle and applying when those months reflect a fair picture of the business helps the lender assess it.
Three steps: tell us the basics, we line up lenders that fit, you decide. Typical floor* in our network: a year of history, $20K monthly deposits, a 500 score. How it works. *Not guaranteed.
See your options in New Brunswick
We call you back, usually the same day.