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Business Support


South Temiskaming Community Futures offers much more than just business financing.

We provide business counselling, information and referral services to small and medium sized enterprises. In an effort to ensure your success with the projects you undertake, our team is available to support you at every phase of business development:


  • Start-up          

  • Acquisition

  • Stabilization

  • Modernization

  • Expansion


We offer free personalized support for all your project needs (Analysis, Counselling, Referrals, etc.)


Moreover, we can help co-ordinate with other agencies in order to find the most suitable financing solutions for your needs. 

Click here to see the region we cover.


Cash flow is the life-blood of all businesses. It is essential that you predict what is going to happen to cash flow to make sure that your business can pay its bills. A cash flow forecast indicates the likely future movement of cash in and out of the business. It’s an estimate of the amount of money you expect to flow in (receipts) and out (payments) of your business and includes all your projected income and expenses.

  • Add cash inflows you expect to collect each month for the next 12 months. This includes customer payments, loans, grants, rental income, etc. Keep in mind your customer payment terms – cash or credit (30, 60, 90 days or longer).

  • Add cash outflows from the items listed in your expenses forecast including supplier payments, salaries, rent, credit card payments, and taxes. You also need to include your loan repayments. Consider irregular and seasonal payments such as repairs and maintenance as requires, and inventory purchases.

  • Add an opening bank account balance, and add the revenue less the expenses for each monthly period to find out your likely cash position.

Lenders (banks, credit unions and CFDCs) require a cash flow forecast before they can approve a small business loan. It’s also common that you will be asked to provide cash flow forecasts at regular intervals until your loan is paid in full.

For more help with cash flow, click here.

Download our Forms

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