Flex Rate Fund

Higher interest rates contribute to increased borrowing costs, decreased profitability, and insufficient working capital to meet demand for your products or services. Different industry sectors may be disproportionately affected.

Now is the time to take advantage of anticipated future cuts to interest rates to launch, maintain, or grow your new or existing venture! Our Flex Rate Fund is designed to encourage new and existing entrepreneurs to invest in rural Middlesex County (outside the City of London).

Loan Options

Microloans: Up to $30,000, with amortization periods of up to 5 years.

Small Business Loans: Up to $300,000, with amortization periods of up to 15 years.

Flexible Terms

Renewable One-Year Terms: Rates as low as Bank Prime + 2% for up to 3 years (with no additional fees).

Flexible Payment Plans: Structured to meet the specific needs of your business or project.

Open Repayment: Repay at any time (no penalties for early or lump-sum payments).


These terms are available to entrepreneurs and small business owners investing in sectors and strategic priority areas aligned with Community Futures Middlesex, federal government, Middlesex County, and local municipalities. Eligible sectors include:

  • Home-based businesses
  • Main street retail
  • Professional service providers
  • Agriculture and agri-food processing
  • Health and biosciences
  • Clean and green technologies
  • Advanced manufacturing
  • Digital industries
  • Non-profit organizations
  • New tourism initiatives

Get Started

Community Futures Middlesex is committed to supporting entrepreneurs in rural Middlesex County. To determine your eligibility for the Flex Rate Fund, please fill out our client engagement form. This will provide us with the information needed to schedule a consultation with one of our team members. If your business or project is deemed eligible after consultation, our team will send you the necessary documentation to apply.