City guide
Census figures, the industries that drive Norfolk County, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
If your business operates in Norfolk County, ON, you can apply. Funding here is typically a merchant cash advance, a business cash advance or revenue-based financing, sized on deposits rather than collateral. With 67,490 residents at the 2021 Census and 5.4% change since 2016, Norfolk County is a mid-sized city in Ontario.
The census shows manufacturing as the leading private sector at 17.8% of local jobs, followed by health care and retail.
Source: Statistics Canada, 2021 Census of Population.
Here is where Norfolk County residents work, by private-sector industry, compared with Ontario as a whole:
| Industry (NAICS) | Norfolk County | ON |
|---|---|---|
| Manufacturing | 17.8% | 9.1% |
| Health care and social assistance | 11.9% | 12.0% |
| Retail trade | 10.9% | 11.1% |
| Construction | 9.7% | 7.5% |
| Agriculture, forestry, fishing and hunting | 8.3% | 1.5% |
| Transportation and warehousing | 5.4% | 5.3% |
What stands out is farming, forestry and fishing: 8.3% of local workers, about 5.7 times the Ontario share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix. Manufacturing is also above the provincial share, at 17.8%.
Start from how you get paid.
Read next: Manufacturing, Food manufacturers, Medical clinics, Dental practices, Retail.
A grain and oilseed farm in Norfolk County with about $102,000 in monthly deposits takes $46,000 for a vehicle and equipment upgrade at a 1.18 factor rate, for a total payback of $54,280 over about 12 months. That works out to roughly $1,045 a week, or about 4% of monthly deposits; the cost is fixed at $8,280 however quickly it is repaid on schedule.
Sample arithmetic; not a quote. Check your numbers with the Canada Funding Readiness Score.
Seeding and harvest bookend the year. Ag-service businesses see their peaks in the same weeks. Winter in Norfolk County raises heating costs and slows site work.
A revenue-linked payment can follow a seasonal curve.
Program money is slow. When a Norfolk County owner is waiting on a contribution, a short advance can bridge the gap.
Our team is not located in Norfolk County. Everything from application to funding happens remotely.
Around $20,000 a month in deposits is where many Canadian files begin. Time in business of about a year, with limited negative days, is typical. Credit is read too: 500 and up is considered, 600+ is stronger. Each funder sets its own lines. The paperwork: the application plus four recent months of statements. Start here, or phone (305) 384-8391.
Close to Norfolk County: Norwich (24 km), Tillsonburg (28 km), Brant (33 km), Bayham (34 km), Brantford (35 km).
See the Ontario guide for the full provincial list.
Yes. Owners in Norfolk County apply online and are reviewed on the same criteria as the rest of Ontario.
Statistics Canada reported 67,490 residents for 2021 (64,044 in 2016).
Manufacturing, health care and retail employ the most people; farming, forestry and fishing stands out against Ontario.
FedDev Ontario covers Norfolk County. Its support is project-based and slower than a business cash advance.
No office visit is required. Norfolk County applications are handled online and by phone.
Educational information only. It is not legal, tax or accounting advice.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
