At Public Bank North Bay, we understand that even the smallest opportunities can spark lasting change. Microfinancing is more than just lending small amounts of money — it’s about opening doors for individuals and micro-entrepreneurs who are often excluded from traditional banking.
Our Microfinancing programs help individuals start or expand income-generating activities, improve livelihoods, and gain financial independence — all while strengthening the social and economic fabric of our community.
We believe that access to credit is a right, not a privilege. As a public bank, our mission is to make financing accessible, fair, and supportive. We pair affordable loans with guidance, so borrowers can succeed sustainably.
Start-up Microloans – Helping individuals turn skills and ideas into small businesses.
Income-generating Loans – Supporting trades, crafts, and services that create self-employment.
Emergency & Resilience Loans – Providing a safety net for unexpected financial challenges.
Group Lending Programs – Enabling collective borrowing for community-driven projects.
Women-focused Financing – Supporting women entrepreneurs to drive inclusive economic growth.
From home-based artisans to market vendors, from small-scale farmers to street food sellers — we finance those with the vision, dedication, and determination to build a better future, no matter how small the starting point.
Inclusive Access – Serving individuals often overlooked by conventional banks.
Community Impact – Every loan creates ripples of economic and social benefit.
Affordable & Fair Terms – Designed to be manageable and supportive.
Capacity Building – We offer not just financing, but also guidance and connections.
With microfinancing, small steps lead to big changes — for individuals, families, and the entire North Bay community.