This is something I think about quite a lot in my job. When you look at the programs CMHC offers, you see that the vast majority of them are loan programs. I recognize that it is a challenge for many smaller non-profit organizations to go through the loan underwriting process. CMHC has worked very hard to simplify our processes and to make the application process as easy as possible. We created a grant-only stream in some of our programs, which allows a simpler application route and processing within four to six weeks. That's been a great improvement.
With respect to use of our loan programs, I think one of the best tools we have is what we've called a seed funding program. It's a very limited fund of money currently, but it's a way we have of paying for some of the costs that non-profits have to incur to actually get some of the documentation assessments done to prepare for real estate development. I feel there is much more room for expansion of that program.
Also, I want to call out the work of the Community Housing Transformation Centre. This is a group that was funded by the national housing strategy program. Its function is to provide capacity support to non-profits. Unfortunately, the demand for their services is very large and their resources are limited, but they've done some great work to develop the capacity of non-profits, and we feel that there is a lot of work that can be done in this area.