At Public Bank North Bay, we believe that small and medium-sized enterprises (SMEs) are the backbone of a thriving local economy. These businesses create jobs, drive innovation, and keep our communities vibrant. Yet, access to affordable financing remains one of the biggest challenges for many entrepreneurs.
Our SME Financing programs are designed to bridge that gap — providing local business owners with the resources they need to start, grow, and succeed.
We go beyond traditional banking. As a public bank, our focus is not on maximizing shareholder profits, but on reinvesting directly into our community. This means fair terms, transparent processes, and financing solutions tailored to the needs of local businesses.
Start-up Capital – Helping new businesses turn ideas into reality.
Working Capital Loans – Supporting day-to-day operations and cash flow needs.
Equipment & Asset Financing – Enabling businesses to acquire the tools they need to compete and grow.
Expansion Loans – Fueling growth for businesses ready to scale.
Green & Sustainable Business Loans – Encouraging environmentally responsible practices through dedicated financing options.
We work with a wide range of SMEs — from family-owned shops to innovative tech start-ups, from local manufacturers to service providers. If your business contributes to the economic and social vitality of North Bay, we are here to support you.
Community First – Every dollar we lend circulates back into the local economy.
Fair & Accessible – We remove unnecessary barriers to make financing more inclusive.
Tailored Solutions – We understand that no two businesses are the same.
Long-term Partnership – We are more than a lender; we are your ally in success.
Together, we can strengthen North Bay’s economy — one business at a time.