Funding local ambition.
Community solutions for community problems.
Headwater connects Canadian entrepreneurs with community-based business financing.
Explore financing through participating Community Futures organizations and discover what your business may qualify for in minutes.
Step one
Where is your business?
We'll connect you with the Community Futures office that serves your area.
How it works
First, see what's possible. Then prove it. Then get a decision — from people who know your community.
Explore in minutes
Answer a handful of approximate questions and see an estimated financing range and monthly payment.
Apply once, guided
Your estimate becomes your application. Headwater Guide tells you exactly what's still needed.
Local decision
A Community Futures Business Analyst reviews your file. Humans make lending decisions — always.
For Community Futures
One hub for the whole office — not another tool beside TEA and Fern, the one that replaces them.
Client intake, client records, loan pipeline, syndication and reporting in a single Canadian platform. Your existing TEA or FaaSBank data imports cleanly, so nothing is left behind.
Client-facing front door
Prequalification, guided applications and a borrower portal — on your own website, under your brand.
Staff workspace
Pipeline, approval routing, client CRM with balances, payments and standing — the daily home for loan officers and the ED.
Your data, carried over
One-click import from TEA or Fern FaaSBank: clients, loans, balances, payment history and Watch flags.
Syndication hub
List larger deals anonymously, invite partner offices, and co-lend with BDC — without email chains.
Reporting at a click
Board reports, loans-fund dashboards and the provincial pulse for CFBC and PacifiCan — generated, not assembled.
Private by design
Financial documents go straight to your office inbox. Headwater never holds sensitive borrower files.