CDFI Canada Template Library: Complete Bundle

Description

A complete set of 44 editable policies, procedures, letters, forms and tools covering lending, emergency lending, portfolio management, collections, governance and finance for Canadian community development financial institutions.

Lending Policies (7)

1. Lending and Investment Policy: fund purpose, eligibility, types of assistance and limits, lending principles, approval authority, single-borrower exposure limit.
2. Lending Conflict of Interest Policy: insider lending prohibitions, declarations, recusal procedure, breach handling.
3. Loan Programs and Portfolio Policy: general, disability, youth, sector, cultural livelihood and micro loan programs with limits and permitted uses.
4. Lending Circles Policy: peer lending limits, stepped interest schedule, security, circle obligations.
5. Direct Loans Policy: amounts, terms, interest, security, borrower obligations and restrictions.
6. Loan Guarantees Policy: guarantee limits, fees, security, monitoring, honouring demands, recovery.
7. Credit Management and Interest Rate Policy: credit products, risk-based pricing, repayment limits, financial ratios, GDS and TDS benchmarks.

Emergency and Disaster Lending (6)

8. Pandemic and Public Health Emergency Loan Policy: health-order closures, loan and grant split, 12-month deferral.
9. Flood Recovery Emergency Loan Policy: bridging DFAA payments, overland insurance gaps, cleanup and relocation.
10. Wildfire Recovery Emergency Loan Policy: evacuation cash flow, smoke closures, forestry, tourism and land-based livelihoods.
11. Drought and Agricultural Emergency Loan Policy: feed and water costs, seasonal repayment, AgriRecovery and AgriStability coordination.
12. Severe Weather Emergency Loan Policy: power outages, storm damage, supply disruption for remote communities.
13. Economic Shock Emergency Loan Policy: plant closures, tariffs, lost contracts, working capital bridging.

Portfolio and Collections (5)

14. Loan Portfolio Monitoring and Classification Policy: annual reviews, Satisfactory, Watch List and Non-Performing classification, board reporting.
15. Loan Loss Provisioning and Non-Accrual Policy: stopping and reversing interest accrual, payment application, loss provisions, collection costs.
16. Collections Policy: objectives, escalation at 30, 45 and 90 days, credit bureau reporting, exceptions.
17. Loan Alterations and Rewrites Policy: payment suspensions and reductions, rewrites, safeguards, approval and monitoring.
18. Loan Write-Off Policy: write-off criteria, approval path, post write-off recovery.

Governance and Finance (8)

19. Risk Management Policy: risk register, accountability, mitigation, training, annual board approval.
20. Signing and Payment Authority Policy: dual cheque signatures, large payment approvals, contract signing limits.
21. Treasury Operations Policy: banking services, revenue collection, payables, reconciliations.
22. Fixed Asset Disposal and Capital Acquisition Policy: capitalization, amortization, appraisal, approval, disposal.
23. Investment Policy: permitted investments, liquidity, diversification, separate portfolios, reporting.
24. Budgeting Policy: annual budget timeline, spending authority, deficit recovery, variance reporting.
25. Corporate Credit Card Policy: issuance, permitted and prohibited use, receipts, deadlines.
26. Donation and Gift Acceptance Policy: acceptable and restricted gifts, valuation, CRA receipting, due diligence.

Procedures and Manuals (3)

27. Loan Underwriting and Application Procedures: intake, capability, credit and character assessment, feasibility, equity, terms, covenants.
28. Collections Procedures Manual: step-by-step tactics from first call to final demand and realization of security.
29. Loan Operations and Funder Reporting SOP: staff roles, loan setup, disbursement, payments, pipeline and funder reporting.

Collection Letters (5)

30. Loan Account Letter: first notice of a failed payment.
31. Promise for Payment Letter: follow-up on a missed promised payment.
32. Overdue Loan Payment Letter: notice to an unreachable borrower.
33. Loan Arrears Letter: referral to a collections specialist.
34. Final Demand Letter: last notice before legal action.

Loan Forms and Checklists (2)

35. Loan Application and Credit Write-Up: full credit submission with risk rating, debt service and collateral panels.
36. Loan Processing Checklist: 28 steps to close and book a loan.

Letters, Agreements and Tools (8)

37. Commitment Letter and Letter of Offer: formal loan offer with terms, conditions and covenants.
38. Letter of Guarantee: guarantee issued to a third-party lender.
39. Letter of Undertaking Pack: no life insurance and no further instalment debt versions.
40. Indemnity Agreement: borrower reimbursement of guarantee payments.
41. Credit Card Holder Agreement: staff cardholder terms.
42. Credit Check Consent Form: PIPEDA-aligned credit and verification consent.
43. Character Reference Form: structured independent reference.
44. Risk Register: risk log with scoring, owners, controls and mitigation tracking.

All documents are fully editable. Browse all CDFI Canada templates.