When our program was launched, we found it was two and a half months after the Canadian response, right around the same time that the Community Futures network launched their programs. The RDAs were not all aligned on how they delivered it, so we had some discrepancies. Some RDAs are stacking CERB on top of their RRRF, as they're calling their relief program. They're able to go above the $40,000.
In that survey we did, 40% of them needed more than $40,000, and 25% of them needed more than $100,000. We needed to be more flexible. We didn't have that flexibility. All we had was $40,000. With larger loans and stacking, the CFDC network is going to be able to retain that capital to build up their loan portfolios after the loans are repaid. NACCA and our AFI network are not afforded that ability, and we've been asking for new capital for the network for 20 years now. That needs to be improved. Ontario has a program where it's fifty-fifty, non-repayable and repayable. I think that would make more sense, considering all the barriers that indigenous people face within their communities.