SBFC mimics a federal organization webpage when they're not. The resources they offer after charging a membership fee is available for free on the website of entrepreneurship centers. They're evasive when you call them back demanding refunds: you always end up with a "receptionist". They cite success stories of others businesses online, but none of these have obtained their grant through SBFC. The fact is any bank like CIBC can guide you for free on how to apply for a government-subsidized loan for your business. If they charged you anyway, work with your credit company to get re-imbursed: you have the right to get re-imbursed for a fraudulent product.