Canadian business loans and financing directory

All 151 government and lender programs that finance Canadian businesses: 135 loans and 16 forgivable loans. 147 are open today. Updated October 30, 2026.

151 loan programs, updated Oct 30, 2026

Prefer advice to the full list? Read the forgivable loans guide.

Try

151 programs

  • LoanLoan 135
  • Forgivable loanForgivable 16

One square is one program. Point at a square to see which.

  1. Open now across Canada

    54Available across Canada. Eligibility varies.
  2. Canada Small Business Financing ProgramLoans from $1,000 to $1.15M for small business capital equipment, facilities, working capital, or startup launch; average loan $294K.Who can apply: Startups and growing businessesLoanCanada-wideInnovation, Science and Economic Development CanadaUp to $1.15MYear-round
  3. Regional Defence Investment Initiative (RDII): Multi-RegionRepayable 75% cost-share for SMEs entering Canada's defence supply chain; tech adoption, facilities, certification, market development via seven RDAs.Who can apply: For-profit businesses. Growing and established businessesForgivable loanCanada-wideRegional Development Agencies (FedDev Ontario, PacifiCan, CED-Q, ACOA, PrairiesCan, FedNor, CanNor)Up to 75% of eligible costsOpen until Mar 31, 2028
  4. BDC Start-up FinancingLoans up to $150,000 for businesses generating revenue for 12 to 24 months, with interest-only payments for up to the first 12 months.Who can apply: Startups and early-stageLoanCanada-wideBusiness Development Bank of Canada (BDC)Up to $150KYear-round
  5. Canadian Defence Industry Resilience (CDIR) Program$25M-$150M forgivable loans for mid-tier defence manufacturers building sovereign production capacity in munitions, armoured vehicles, or maritime systems.Who can apply: For-profit businesses. Established businessesForgivable loanCanada-wideDepartment of National Defence (DND) / Government of Canada$25M–$642MYear-round
  6. BDC Small Business LoanLoans from $10,000 to $350,000 for established small businesses with 24+ months revenue, no collateral required; personal guarantee only.Who can apply: Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)Up to $350KYear-round
  7. Strategic Response Fund (formerly Strategic Innovation Fund)Contributions from $10M (no stated maximum) for large-scale R&D consortia between industry, researchers, and non-profits.Who can apply: For-profit businesses and non-profits. Growing businessesForgivable loanCanada-wideInnovation, Science and Economic Development CanadaFrom $10MYear-round
  8. Export Development Canada (EDC) FinancingUp to $25M in export financing, including credit insurance, guarantees, and loans for Canadian exporters managing risk and growing sales.Who can apply: Growing businessesLoanCanada-wideExport Development CanadaUp to $25MYear-round
  9. Business Development Bank of Canada (BDC) FinancingLoans from $10,000 to $350,000 through BDC's online application, and larger amounts by arrangement, for equipment, marketing and working capital. Repayable with interest.Who can apply: Startups and growing businessesLoanCanada-wideBusiness Development Bank of Canada$10K-$350K onlineYear-round
  10. BDC Equipment LoanFinancing up to 125% of equipment purchase price for established Canadian businesses, with up to 12 years to repay and up to 24 months interest-only.Who can apply: Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)Up to 125% of equipment costYear-round
  11. Futurpreneur Side Hustle ProgramLoans from $5,000 to $20,000 for young entrepreneurs starting a business while keeping a full-time income outside it. Includes mentorship.Who can apply: Startups and early-stageLoanCanada-wideFuturpreneur CanadaUp to $25KYear-round
  12. EDC: Export Guarantee Program (EGP)EDC guarantees up to US$25M to your bank, freeing working capital for inventory and production tied to confirmed international export contracts.Who can apply: Growing and established businessesLoanCanada-wideExport Development Canada (EDC)Year-round
  13. BDC LIFT: Lead with Innovation and Focus on TechnologyLoans of $25,000 to $2M for AI and digital transformation, or $350,000 to $5M for productivity and advanced equipment. A plan is required on both tracks; BDC advisory is mandatory on the AI track.Who can apply: Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)AI $25K–$2M · Equip $350K–$5MYear-round
  14. BDC Business Purchase or Transfer LoanBDC finances buyers who already have a negotiated agreement to purchase an existing business, covering legal fees and other one-time transfer costs, with repayment terms matched to the new business's cash flow.LoanCanada-wideBDCYear-round
  15. Futurpreneur Canada Startup ProgramLoans from $5,000 to $75,000 for first-time entrepreneurs aged 18–39, including mandatory mentorship and access to Futurpreneur's national community.Who can apply: Startups and early-stageLoanCanada-wideFuturpreneur CanadaUp to $75KYear-round
  16. BDC Purchase Order FinancingA short-term loan that pays your suppliers when a large confirmed order lands and you do not have the cash to produce it. BDC funds up to 90% of the order value and you repay once your customer pays.LoanCanada-wideBDCUp to 90% of order valueYear-round
  17. BDC Working Capital LoanA BDC term loan for the running costs of growth: inventory, suppliers, a marketing push, new hires, certifications or a green retrofit. Payments are matched to your cash-flow cycle and can be interest-only at the start.LoanCanada-wideBDCYear-round
  18. EDC Trade Expansion Lending ProgramEDC guarantees part of your bank loan or line of credit so your own bank can lend you more working capital for export growth. You apply through the bank, not through EDC.LoanCanada-wideEDCYear-round
  19. BDC Commercial Real Estate LoanA BDC term loan to buy, build or renovate commercial premises, with up to 100% of the project cost financed, interest-only payments for up to the first three years and up to 25 years to repay.LoanCanada-wideBDCFrom $100KYear-round
  20. BDC Growth & Transition CapitalCustomized mezzanine, cash flow, and quasi-equity financing from BDC Capital for growth, acquisitions, or ownership transitions without diluting ownership.Who can apply: Growing and established businessesLoanCanada-wideBDC Capital$250,000 to $35MYear-round
  21. BDC Pivot to GrowFully repayable loans of up to $5M for Canadian businesses to pivot operations amid trade disruptions; total BDC commitment must exceed $350,000.Who can apply: Growing businessesLoanCanada-wideBusiness Development Bank of CanadaUp to $5MYear-round
  22. Community Forward Fund$50,000–$400,000 term loans for registered charities, non-profits, and social enterprises; fixed 5–10% interest, bridge financing for pending grants.Who can apply: Non-profits and charities. Growing businessesLoanCanada-wideCommunity Forward Fund Assistance Corporation$50K–$1.25MYear-round
  23. Canadian Co-operative Investment Fund (CCIF)Patient loans, equity, and quasi-equity of $50,000 to $1.25 million for Canadian co-operatives, from a $25 million national fund, for startup, growth, and business-to-co-op conversions.Who can apply: Co-operatives. Startups and growing businessesLoanCanada-wideCanadian Co-operative Investment Fund LP (founded by Co-operatives and Mutuals Canada)$50K–$1.25MYear-round
  24. Build Canada Homes: Prefab/Modular Partnership Financing$1M-$100M debt and equity financing for Canadian modular housing manufacturers scaling production or delivering multi-unit affordable housing projects.Who can apply: For-profit businesses, non-profits, Indigenous organizations and public bodies. Established businessesLoanCanada-wideHousing, Infrastructure and Communities Canada, Build Canada HomesUp to $25BYear-round
  25. Canadian Agricultural Loans Act (CALA) ProgramLoans up to $500,000 per farm ($3 million for co-operatives) for farm capital projects including land, buildings, equipment, and intergenerational transfers through participating banks.Who can apply: For-profit businesses, co-operatives and individualsLoanCanada-wideAgriculture and Agri-Food CanadaUp to $500K per farmYear-round
  26. Advance Payments Program$1M loan advance for farmers, up to 50% interest-free on first $250K (or $500K for canola), repaid as crops sell.Who can apply: For-profit businesses, co-operatives and individualsLoanCanada-wideAgriculture and Agri-Food Canada (AAFC)Up to $1MYear-round
  27. WEOC National Loan ProgramUp to $50,000 for women-owned businesses Canada-wide; no minimum credit score, startup-eligible, funds within 10 business days via regional Loan Fund Partners.Who can apply: Startups and growing businessesLoanCanada-wideWomen's Enterprise Organizations of Canada (WEOC)Up to $50,000Year-round
  28. FCC Trade Disruption Customer Support ProgramCanadian agribusinesses, farm operations and food processors hit by tariffs can access an extra credit line of up to $500,000, a new term loan, and; if already an FCC customer; a principal-payment deferral of up to 12 months. Available until March 5, 2027.Who can apply: Growing and established businessesLoanCanada-wideFarm Credit Canada (FCC)Closes Mar 5, 2027
  29. Farm Credit Canada (FCC) FinancingLoans from $5,000 to multi-million dollars for all agricultural and agri-food capital needs; equipment, facilities, working capital, and startup.Who can apply: Startups and growing businessesLoanCanada-wideFarm Credit CanadaVariesYear-round
  30. Futurpreneur Indigenous Entrepreneur Startup ProgramLoans from $5,000 to $75,000 for Indigenous entrepreneurs aged 18-39 to launch startups, with mentoring and culturally relevant resources.Who can apply: Startups and early-stageLoanCanada-wideFuturpreneur CanadaUp to $75KYear-round
  31. BDC Newcomer Entrepreneur LoanLoans from $25,000 to $50,000 for new immigrant entrepreneurs starting or growing a business, with $75K possible when stacked with Futurpreneur.Who can apply: Startups and growing businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)$25K–$50KYear-round
  32. NACCA Indigenous Women Entrepreneur (IWE) Program$20,000-$25,000 micro-loan for First Nations, Inuit, and Métis women entrepreneurs through 30+ Aboriginal Financial Institutions, combining a loan of at least 50% with a non-repayable grant of up to 45%.Who can apply: For-profit businesses. Startups and growing businessesLoanCanada-wideNational Aboriginal Capital Corporations Association (NACCA)Up to $50KYear-round
  33. Women Entrepreneurship Loan Fund (WELF)Loans up to $50,000 for women-led businesses through four ISED delivery organizations, each with its own fees, security and eligibility.Who can apply: Individuals. Startups and growing businessesLoanCanada-wideInnovation, Science and Economic Development Canada (ISED)Up to $50KYear-round
  34. Indigenous Growth FundLoans for Indigenous entrepreneurs through 59 Indigenous Financial Institutions (IFIs); loan size varies by IFI, with most common range $50K-$250K.Who can apply: Indigenous organizations. Startups and growing businessesLoanCanada-wideNational Aboriginal Capital Corporations Association (NACCA)Via local IFIs (amounts vary)Year-round
  35. Futurpreneur Black Entrepreneur Startup ProgramLoans from $5,000 to $75,000 with mentorship for Black entrepreneurs aged 18-39 starting businesses.Who can apply: Startups and early-stageLoanCanada-wideFuturpreneur CanadaUp to $75KYear-round
  36. Futurpreneur Newcomer ProgramUp to $25,000 in equity-free loans for newcomers aged 18-39 to launch startups, with $12.5K from Futurpreneur and $12.5K from BDC.Who can apply: Startups and early-stageLoanCanada-wideFuturpreneur CanadaUp to $25KYear-round
  37. BDC Indigenous Entrepreneur LoanLoans up to $350,000 for First Nations, Inuit and Métis entrepreneurs, at a preferred rate with no processing or annual administration fees.LoanCanada-wideBusiness Development Bank of Canada (BDC)Up to $350KYear-round
  38. RBC Black Entrepreneur Business LoanA business loan of up to $250,000 for eligible Black entrepreneurs in Canada, to start, manage or grow a business, subject to RBC credit approval.LoanCanada-wideRoyal Bank of Canada (RBC)Up to $250KYear-round
  39. Scotiabank Black-Led Business Financing ProgramTerm loans of $25,000 to $250,000 for capital investments and $25,000 to $50,000 for working capital, for Canadian businesses at least 50% Black-owned.LoanCanada-wideScotiabank$25K–$250KYear-round
  40. BMO for Black Entrepreneurs: Business LoanA business loan of up to $150,000 for Black-Canadian majority-owned for-profit businesses with annual revenue under $10 million.Who can apply: For-profit businessesLoanCanada-wideBank of Montreal (BMO)Up to $150KYear-round
  41. CIBC Black Entrepreneur Program LoanA variable-rate loan of $5,000 to $150,000 for equipment and leasehold improvements, or up to $50,000 for working capital, for Black-owned businesses.LoanCanada-wideCanadian Imperial Bank of Commerce (CIBC)$5K–$150KYear-round
  42. TD Black Entrepreneur Credit Access ProgramTD credit-access support for businesses 50% or more Black-owned: holistic credit review, interest-only options on select term loans, and waived set-up fees.LoanCanada-wideTD Bank GroupYear-round
  43. BDC Technology Companies LoanBDC offers Canadian technology and SaaS companies a flexible term loan sized to their needs and cash flow, with no share collateral required, and financing that can factor in recurring revenue (ARR/MRR).LoanCanada-wideBDCCustom term loan, no fixed capYear-round
  44. CMHC MLI SelectCMHC mortgage loan insurance for rental buildings of five units or more. Commitments to affordability, accessibility or energy performance earn points, and points buy a lower premium, higher leverage and amortization as long as 50 years.LoanCanada-wideCanada Mortgage and Housing Corporation (CMHC)Year-round
  45. FNBC Business Acquisition Loan for Indigenous CommunitiesFirst Nations, Inuit and Métis communities and economic development organizations can finance up to 100% of buying a majority stake in an operating business.Who can apply: Indigenous organizations. Established businessesLoanCanada-wideFirst Nations Bank of Canada (FNBC)Up to 100% financingYear-round
  46. FACE: Black Entrepreneurship Loan FundLoans from $25,000 to $250,000 for Black-majority-owned for-profit businesses across Canada, delivered by FACE under the federal Black Entrepreneurship Program.Who can apply: For-profit businesses and co-operatives. Startups and growing businessesLoanCanada-wideFederation of African Canadian Economics (FACE)$25,000–$250,000Year-round
  47. Black Entrepreneurship ProgramThe federal programme behind the Loan Fund (up to $250,000 for Black-led businesses) and the Ecosystem Fund (capacity funding for Black-led business organizations).Who can apply: For-profit businesses and non-profits. Startups and growing businessesLoanCanada-wideInnovation, Science and Economic Development CanadaUp to $250KYear-round
  48. BDC Steel, Aluminum and Copper Industries Support ProgramWorking capital loans ($2M–$50M) for Canadian steel, aluminum, and copper manufacturers impacted by U.S. tariffs; $5M revenue minimum required.Who can apply: Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)$250,000Closes Dec 3162 days
  49. Telefilm Canada: Marketing ProgramRepayable non-interest-bearing advance covering up to 75% of eligible Canadian marketing costs for marketing, promotion and distribution of certified Canadian feature films.Who can apply: Growing businessesLoanCanada-wideTelefilm Canada75% of marketing costsOpen now
  50. BDC Forestry Support ProgramThree offers for Canadian forestry businesses with at least $1 million in revenue and 3 years of operation: working-capital financing of $250,000 to $25 million, transformation financing of $1 million to $25 million with BDC advisory support, and a bank-issued loan guarantee of $500,000 to $50 million for softwood lumber mills.Who can apply: For-profit businesses. Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)Closes Dec 3162 days
  51. BDC Defence Platform: Financing and Advisory for Defence and National SecurityWho can apply: Growing and established businessesLoanCanada-wideBusiness Development Bank of Canada (BDC)Negotiated case by caseYear-round
  52. CMHC Apartment Construction Loan Program (ACLP)CMHC's $55B program provides low-cost construction loans (min $1M, up to 100% of project cost) for new purpose-built rental, student, and seniors housing any…Who can apply: For-profit businesses, non-profits, Indigenous organizations, colleges and universities and public bodies. Growing and established businessesLoanCanada-wideCanada Mortgage and Housing Corporation (CMHC)Minimum $1MYear-round
  53. Canada Critical Minerals Accelerator (CCMA): formerly the Critical Minerals Sovereign FundFederal equity, loan guarantees and supply agreements for Canadian critical mineral projects. No open call; the CCMA identifies proponents directly.Who can apply: Growing and established businessesLoanCanada-wideNatural Resources Canada (NRCan), delivered by Export Development Canada (EDC)Negotiated per investmentYear-round
  54. FCC Women Entrepreneur ProgramFCC offers qualifying women entrepreneurs in agriculture, agribusiness and food potentially discounted lending rates, plus learning and network supports; FCC does not publish a loan amount, minimum or maximum for this program.LoanCanada-wideFarm Credit Canada (FCC)Varies (not published)Year-round
  55. FCC Young Farmer LoanLoans from $25,000 to $2M for young farmers under 40 to buy land, equipment, or facilities; no processing fees, 18-month purchase window.Who can apply: Startups and growing businessesLoanCanada-wideFarm Credit Canada (FCC)Up to $2MYear-round

  56. Open now in one province or territory

    87Run by a province, a territory or a regional agency
  57. Community Futures BC: Business Loans (Rural British Columbia)Business loans of up to $1M for rural BC startups and small businesses through 34 Community Futures offices, with free business counselling included.Who can apply: For-profit businesses and non-profits. Startups and growing businessesLoanBritish ColumbiaCommunity Futures British Columbia / PacifiCanUp to $1MYear-round
  58. Community Futures Program: Ontario (CFDC Business Loans)Loans for rural Ontario startups and businesses through Ontario's 60 CFDCs, with free business counselling; loan amounts vary by local CFDC.LoanOntarioFedDev Ontario (southern/eastern Ontario) and FedNor (northern Ontario)Year-round
  59. ESSOR Volet 3: Green Technology and Environmental Footprint ReductionQuebec loan and loan guarantee for businesses investing in clean tech, renewable energy, or circular-economy projects to reduce environmental footprint.Who can apply: For-profit businesses. Growing and established businessesForgivable loanQuebecInvestissement Québec (mandatary of Ministère de l'Économie et de l'Innovation du Québec)Closes Mar 31, 2027
  60. Community Futures Alberta: Business Loans (Rural Alberta)Business loans for rural Alberta startups and small businesses through 27 Community Futures offices, each setting its own ceiling, with free advisory services included.Who can apply: For-profit businesses, non-profits and co-operatives. Startups and growing businessesLoanAlbertaCommunity Futures Network of Alberta / PrairiesCanCommonly up to $150,000Year-round
  61. Waubetek Indigenous Women's Entrepreneurship ProgramFinancing and mentorship for Indigenous women running or starting a business in Northeastern Ontario. The micro-loan goes up to $20,000 with 45% of it non-repayable, a larger fund lends up to $50,000, and pre-launch founders can get a mentor plus a grant of up to $3,000.Forgivable loanNortheastern OntarioWaubetek Business Development Corporation$3K–$100KOpen now
  62. Regional Quantum Initiative (RQI): British Columbia$500K-$5M interest-free repayable for BC businesses commercializing quantum computing, sensors, or communications; repay over 8 years.Who can apply: For-profit businesses and non-profitsForgivable loanBritish ColumbiaPacifiCan$500K–$5MYear-round
  63. Community Futures Manitoba: Business Loans (Rural Manitoba)Loans from $1K to $150K for rural Manitoba businesses through 16 Community Futures offices, including Biz Start micro loans up to $25K for early-stage founders.Who can apply: For-profit businesses. Startups and growing businessesLoanManitobaCommunity Futures Manitoba / PrairiesCanUp to $150,000Year-round
  64. Targeted Manufacturing Initiative for Northern Ontario: Productivity ImprovementsRepayable contributions covering 33% of capital and 50% of non-capital costs for equipment, facilities, lean, IT, or ISO upgrades.Who can apply: Established businessesForgivable loanNorthern OntarioFedNor33-50% of costs (repayable)Year-round
  65. Community Futures Saskatchewan: Business Loans (Rural Saskatchewan)Loans from $5K to $150K for rural Saskatchewan businesses through 16 Community Futures offices, with free advisory services and 35+ years of Prairie lending.Who can apply: For-profit businesses. Startups and growing businessesLoanSaskatchewanCommunity Futures Saskatchewan / PrairiesCanUp to $150,000Year-round
  66. Ontario Cultural Attractions Fund (OCAF)Ontario cultural orgs get upfront working capital ($50K–$300K+) from OCAF for tourism-focused events, repaying 30–50% from event revenues after completion.Who can apply: Non-profits, charities, Indigenous organizations and public bodies. Growing and established businessesForgivable loanOntarioOntario Cultural Attractions Fund Corporation (provincial not-for-profit agency)Year-round
  67. Quebec Fonds locaux d'investissement (FLI): MRC Business LoansQuebec's 104 MRCs provide flexible loans up to $150,000 for startup, expansion, or succession projects, requiring a 15% equity contribution.Who can apply: For-profit businesses, non-profits, co-operatives and individualsLoanQuebecQuebec MRCs (municipal regional counties) / Ministère de l'Économie, de l'Innovation et de l'Énergie (MEIE)Year-round
  68. Forest Sector Investment and Innovation Program (FSIIP): Business ProjectsOntario forest sector manufacturers can receive a performance-based loan of up to 30% of eligible costs, with up to 50% of it forgivable, for capital projects of $3M or more in equipment, facilities, or market expansion.Who can apply: For-profit businesses. Growing and established businessesForgivable loanOntarioGovernment of Ontario, Ministry of Natural Resources and ForestryUp to 30% of costs (loan)Year-round
  69. Invest Ontario Fund (IOF)$500K-$4M forgivable loan for strategic capital projects in advanced manufacturing, life sciences, or technology tied to job creation and investment milestones.Who can apply: Growing and established businessesForgivable loanOntarioInvest Ontario$500K–$4MYear-round
  70. Sophie Morigeau Women's Entrepreneurship Program (SMWEP)Financing for Métis women entrepreneurs in BC: a total project cost of up to $25,000, of which 30% is a grant forgiven at the end of the loan term.Who can apply: For-profit businesses and individuals. Startups and growing businessesForgivable loanBritish ColumbiaMétis Financial Corporation of BC (MFC)Up to $25KYear-round
  71. Finance PEI Micro-Loan ProgramFinance PEI loans up to $15,000 over up to 5 years at TD Prime + 4.5% for new and expanding Island businesses.Who can apply: For-profit businesses. Startups and growing businessesLoanPrince Edward IslandFinance PEILoan up to $15KYear-round
  72. Yukon Venture Loan Guarantee ProgramThe Yukon government guarantees up to 65% of a commercial loan's principal (max $100,000) for Yukon start-ups and expanding small businesses.Who can apply: Startups and growing businessesLoanYukonGovernment of Yukon (Department of Economic Development)$10K–$100K loan guaranteeYear-round
  73. Finance PEI Tariff Working Capital Assistance ProgramFinance PEI working capital loans up to $500K at 4% fixed, interest-only for 24 months, for PEI exporters hit by U.S. tariffs.Who can apply: Growing and established businessesLoanPrince Edward IslandFinance PEI (Government of Prince Edward Island)Up to $500K at 4%Closes Mar 31, 2027
  74. Alterna Savings Community Microfinance ProgramA credit union microloan program for Ontario entrepreneurs who cannot get credit from a bank, running since 2000 with over $10 million lent across 1,500 loans. Five segments cover income bridging, trade certification, tools and equipment, social enterprise and women-owned businesses, from $1,000 to $25,000, and an approved borrower can be matched by BDC for up to $50,000 in total.Who can apply: For-profit businesses, non-profits and co-operatives. Startups and growing businessesLoanOntarioAlterna Savings$1K–$50KOpen now
  75. CED Quebec: Quebec Economic Development Program (QEDP)Up to $500K typical (rarely $2M) repayable contributions for Quebec SMEs on community development, tourism, or regional diversification. Avg $279K.Who can apply: For-profit businesses, non-profits, co-operatives, Indigenous organizations, public bodies and industry associationsLoanQuebecCanada Economic Development for Quebec Regions$50K–$500K typicalYear-round
  76. Quebec Emergency Assistance Program for SMEs (PAUPME): U.S. TariffsMRC loan of up to $150,000 at 0% for 12 months for Quebec SMEs with $200K to $2M revenue hurt by U.S. tariffs.Who can apply: For-profit businesses, non-profits and co-operatives. Growing and established businessesLoanQuebecGouvernement du Québec, Ministère de l'Économie, de l'Innovation et de l'Énergie (delivered by MRCs and local economic development organizations)Loan up to $150K, 0%Year-round
  77. Opportunities NB: Tariff Working Capital LoansWho can apply: Growing and established businessesLoanNew BrunswickOpportunities NB (ONB)Year-round
  78. Canada Economic Development for Quebec Regions (CED) FundingUp to $5M interest-free repayable contribution for Quebec SMEs (50% cost coverage) or up to 90% non-repayable for NPOs; excludes retail/food/transport.Who can apply: Startups and growing businessesLoanQuebecCanada Economic Development for Quebec RegionsUp to $5M (varies)Year-round
  79. CDEM Investment Fund: Economic Development Council for Manitoba Bilingual Municipalities (CDEM)CDEM's Investment Fund lends to Manitoba businesses at least 50% owned by Francophones, for start-up, expansion, or diversification, once a viable business plan is in place and other financing options have been exhausted.LoanManitobaEconomic Development Council for Manitoba Bilingual Municipalities (CDEM)Amount not publishedYear-round
  80. CED Quebec Regional Artificial Intelligence Initiative (RAII)CED funds Quebec SMEs building or adopting AI with interest-free repayable support of up to 50% of costs, and non-profits at up to 90%, until March 31, 2031.Who can apply: For-profit businesses, non-profits and Indigenous organizationsLoanQuebecCanada Economic Development for Quebec Regions (CED)Up to 50% of costs (SMEs)Year-round
  81. CED Quebec: REGI Business Scale-up and ProductivityInterest-free repayable contributions of generally up to 50% of authorized costs for Quebec SMEs investing in equipment, digital adoption or productivity; no published dollar range; NPOs get non-repayable assistance up to 90%.Who can apply: For-profit businesses, non-profits, co-operatives, Indigenous organizations and industry associations. Growing and established businessesLoanQuebecCanada Economic Development for Quebec RegionsUp to 50% of costs (SMEs)Year-round
  82. Nunavut Business Credit Corporation (NBCC) LoansThe territorial lender of last resort for Nunavut businesses, offering loans and guarantees from about $150,000 up to a legislated ceiling of $5 million. It exists for businesses the chartered banks will not serve, so you have to show either that a bank will not lend to you on reasonable terms or that there is no bank in your community, and security is mandatory. Sole proprietors, partnerships and co-operatives can apply, not just incorporated companies.LoanNunavutNunavut Business Credit Corporation$150K–$5MOpen now
  83. FedNor: Regional Artificial Intelligence Initiative (RAII) for Northern OntarioFedNor covers up to 75% of the cost of commercializing or adopting AI in Northern Ontario, and up to 50% of capital costs. For a for profit business the money is normally repayable, with terms set in the contribution agreement.Who can apply: Growing businessesLoanNorthern OntarioFederal Economic Development Agency for Northern Ontario (FedNor)Open now
  84. FedDev Ontario Funding$250K-$750K repayable contribution (0% interest) for first-time SME applicants in southern Ontario scale-up projects.Who can apply: Startups and growing businessesLoanSouthern OntarioFederal Economic Development Agency for Southern OntarioUp to $10M (varies)Year-round
  85. Réseau des SADC et CAE: Small-Business FinancingLocal SADC and CAE offices across Québec lend $5,000 to $300,000 at Bank of Canada prime plus 2% to entrepreneurs starting, acquiring, growing, or transferring a business, with final terms set by the office nearest you.LoanQuebecRéseau des SADC et CAE (Community Futures)Up to $300KYear-round
  86. Initiative grand VInvestissement Québec finances innovation and sustainable productivity projects for Québec businesses of any size, through term loans, direct venture capital or equity, with capital repayments deferrable up to 48 months and no file analysis fee. Financing can be paired with up to 100 hours of help from IQ innovation experts.Who can apply: Growing businessesLoanQuebecInvestissement QuébecYear-round
  87. NL Business Investment Program (BIP)Repayable term loans for Newfoundland and Labrador SMEs in strategic sectors, priced at the Bank of Canada rate plus 0.5%.Who can apply: Growing and established businessesLoanNewfoundland and LabradorGovernment of Newfoundland and Labrador, Jobs, Growth and Rural DevelopmentCustom loan; no published capYear-round
  88. VERGE Breakthrough Fund II (formerly Pillar Start-Up Fund)Loans for Southwestern Ontario social enterprises with a social, environmental, cultural or community mission; typically up to $100,000, or up to $500,000 for large-scale community infrastructure secured against the assets.Who can apply: For-profit businesses and non-profits. Growing and established businessesLoanSouthwestern OntarioVERGE Capital (a program of Pillar Nonprofit Network, with the Fund administered by SVX)Up to $500KYear-round
  89. PacifiCan (Pacific Economic Development Canada) FundingRepayable interest-free contributions of $200,000 to $5 million for fast-scaling BC businesses with 2+ years operating and 20%+ revenue gains.Who can apply: Startups and growing businessesLoanBritish ColumbiaPacific Economic Development CanadaUp to $5M (varies)Year-round
  90. Investment Attraction FundCustomized loans and advances help large-scale foreign direct investment projects establish or expand operations in Newfoundland and Labrador.Who can apply: Growing and established businessesLoanNewfoundland and LabradorGovernment of Newfoundland and Labrador, Department of Jobs, Growth and Rural Development (JGRD)Year-round
  91. Investissement Québec ESSOR: Volet 2 : Chantier Productivité$500K-$5M repayable contribution or loan guarantee for Quebec manufacturing and industrial tech upgrades, with a $10M budgetary-impact ceiling for major automation or Industry 4.0 projects.Who can apply: For-profit businesses, non-profits and co-operatives. Growing and established businessesLoanQuebecInvestissement Québec (MEIE program, Cadre normatif ESSOR 2025-2027, Décret 324-2025)Up to $10M/projectCloses Mar 31, 2027
  92. Investissement Québec: Project FinancingProvincial financing for Quebec businesses. ESSOR grants up to $50K, plus project loans and guarantees up to $10M for SMBs.Who can apply: Startups and growing businessesLoanQuebecInvestissement QuébecUp to $100MYear-round
  93. FedDev Ontario: Business Scale-up and Productivity (BSP)Interest-free repayable contributions from $125K to $10M for southern Ontario businesses to scale operations, adopt tech, and boost productivity.Who can apply: Growing and established businessesLoanSouthern OntarioFederal Economic Development Agency for Southern Ontario$125K–$10MYear-round
  94. Investissement Québec: Panorama (Export Diversification Financing)Who can apply: Growing and established businessesLoanQuebecInvestissement QuébecYear-round
  95. Manitoba Trade Growth Investment Financing Program (TGIF)Repayable Manitoba loan of $250K–$5M (25% of project costs) for CCPCs investing in equipment, facilities, or IT with measurable trade or job-creation outcomes.Who can apply: For-profit businesses and co-operatives. Growing and established businessesLoanManitobaGovernment of Manitoba, Department of Business, Mining, Trade and Job Creation$250,000–$5,000,000Year-round
  96. Black Business Initiative (BBI): Direct Business LoansDirect business loans up to $25,000, first year interest-free, for Black-owned businesses in Nova Scotia; from Canada's longest-running Black business support organization.Who can apply: For-profit businesses. Startups and growing businessesLoanNova ScotiaBlack Business Initiative (BBI)Up to $25KYear-round
  97. Commodity Loan Guarantee Program (CLGP)Ontario crop farmers get government-guaranteed short-term operating loans up to $750,000 for seed, fertilizer, pesticides, and crop insurance.Who can apply: For-profit businesses and individuals. Growing and established businessesLoanOntarioGovernment of OntarioUp to $750KYear-round
  98. Métis Financial Corporation of BC (MFCBC): Business LoansPreferred-rate developmental business loans for Métis-owned businesses in BC; all stages, plus a dedicated Métis Women's Entrepreneur stream.Who can apply: Startups and growing businessesLoanBritish ColumbiaMétis Financial Corporation of British Columbia (an affiliate of Métis Nation British Columbia)Typically $20K–$500KYear-round
  99. Apeetogosan (Métis) Development Inc.: Business Financing & MEAPBlended non-repayable grant (25–40%) + loan financing for Métis, Inuit and non-status businesses in Alberta, including a dedicated Métis women micro-business stream.Who can apply: Startups and growing businessesLoanAlbertaApeetogosan (Métis) Development Inc. (AMDI), affiliate of the Otipemisiwak Métis Government of AlbertaUp to $330K (blended)Year-round
  100. WeBC Business Loans for WomenUp to $150,000 (or $200K with WEOC top-up) for BC women entrepreneurs; interest-only first 6 months, no minimum credit score, free advisory throughout.Who can apply: For-profit businesses. Startups and growing businessesLoanBritish ColumbiaWeBC (Women's Enterprise Centre of British Columbia)Up to $150,000Year-round
  101. Women Entrepreneurs Saskatchewan (WESK): Business FinancingBusiness loans up to $150,000 (80% of project) for women and non-binary Saskatchewan entrepreneurs, with advisory support and stacking up to ~$200K.Who can apply: Startups and growing businessesLoanSaskatchewanWomen Entrepreneurs of Saskatchewan Inc. (WESK)Up to $150KYear-round
  102. Women's Enterprise Centre of Manitoba (WeMB): Business LoansBusiness loans up to $150,000 for majority women-owned Manitoba businesses, with free advisory support and stacking potential with the WEOC national loan.Who can apply: Startups and growing businessesLoanManitobaWomen's Enterprise Centre of Manitoba (WeMB)Up to $150KYear-round
  103. First Citizens Fund: BC Indigenous Business Loan ProgramBC provincial loans up to $75K for First Nations, Métis and Inuit entrepreneurs, with up to 40% non-repayable forgiveness, delivered by regional Aboriginal Capital Corporations.Who can apply: Startups and growing businessesLoanBritish ColumbiaAll Nations Trust Company (ANTCO) on behalf of the Government of British Columbia (Ministry of Indigenous Relations and Reconciliation)Up to $75KYear-round
  104. Tile Loan Program: Ontario Agricultural DrainageUp to $50,000 low-interest loan for tile drainage installation; covers 75% of costs, repaid over 10 years through local municipalities.LoanOntarioOntario Ministry of Agriculture, Food and Agribusiness (OMAFA)Up to $50K/yrOpen now
  105. AFSC Farm and Agribusiness Loans (Alberta)AFSC fixed-rate farm and agribusiness loans in Alberta, with a rate cut for new and young producers and a $30M borrower limit.LoanAlbertaAgriculture Financial Services Corporation (AFSC), Government of AlbertaUp to $30MYear-round
  106. La Financière agricole du Québec (FADQ) Farm Loan Guarantees and FinancingFADQ guarantees Québec farm loans of up to $15M from your own bank, cutting 0.30 to 0.60 off the rate, with lighter terms for start-ups.LoanQuebecLa Financière agricole du Québec (FADQ)Guarantees up to $15MYear-round
  107. MASC Farm Loans and Loan Guarantees (Manitoba)MASC farm loans up to $6.25M, livestock loans, and guarantees now covering 33.33% of bank loans, plus rebates for farmers under 40.LoanManitobaManitoba Agricultural Services Corporation (MASC)Up to $6.25MYear-round
  108. New Brunswick Livestock Incentive Loan ProgramNew Brunswick guarantees up to 90% of a bank or credit union loan of up to $75,000 to buy livestock, at the lender's prime rate plus 1%.Who can apply: For-profit businesses, co-operatives and individuals. Growing and established businessesLoanNew BrunswickGovernment of New Brunswick, Department of Agriculture, Aquaculture and FisheriesUp to $75,000Year-round
  109. Harvester Enterprise Loan ProgramUp to $4M in government-backed loans for NL fish harvesters, including down payment loans up to $450K with 5-year grace period and interest rebates.Who can apply: Growing and established businessesLoanNewfoundland and LabradorGovernment of Newfoundland and LabradorUp to $4MYear-round
  110. Métis Voyageur Development Fund (MVDF) Business FinancingLoans up to $1.5M for Métis-owned for-profit businesses in Ontario, with rates better than commercial lenders and business advisory.Who can apply: For-profit businessesLoanOntarioMétis Voyageur Development Fund Inc.Up to $1.5MYear-round
  111. Evol: Conventional Loan for Inclusive Entrepreneurs$20K–$450K Quebec business loans for underrepresented entrepreneurs (women, immigrants, racialized, Indigenous, LGBTQ2S+) with mentoring included.Who can apply: Startups and growing businessesLoanQuebecEvol (formerly Femmessor)$20,000–$450,000Year-round
  112. WeBC Women Entrepreneurs Program (Vancity)Vancity financing for BC women-owned businesses - a startup line of credit up to $25,000 or a term loan up to $250,000, with free WeBC mentoring.LoanLower Mainland, Fraser Valley, Victoria and Sea to Sky, British ColumbiaWeBC (Women's Enterprise Centre of BC) / VancityUp to $250KYear-round
  113. AWE Business Loans for WomenRepayable loans up to $150,000 for Alberta businesses majority-owned by women, at Prime +2% to +4% over terms of up to five years.LoanAlbertaAlberta Women Entrepreneurs (AWE)Up to $150KYear-round
  114. Alberta Indian Investment Corporation Business LoansInterest-bearing business loans, and sometimes equity financing, for Status Indian entrepreneurs whose business head office is in Alberta.LoanAlbertaAlberta Indian Investment Corporation (AIIC)Varies (loan)Year-round
  115. Protect Ontario Financing ProgramTerm loans from $250,000 to $5 million for Ontario businesses in tariff-hit sectors (metals, autos, machinery, plastics, beverages, dairy, paper, furniture and more) facing working-capital shortfalls due to U.S. tariffs.Who can apply: For-profit businesses. Established businessesLoanOntarioGovernment of OntarioFrom $250KYear-round
  116. Manitoba Trade Resilience Loan ProgramManitoba loans of $100K to $1M in working capital for tariff-hit CCPCs and co-ops with 3+ years and 5+ staff, with up to a year of principal deferral.Who can apply: Growing and established businessesLoanManitobaGovernment of Manitoba, Business, Mining, Trade and Job Creation (Economic Programs and Initiatives Branch)$100K to $1MYear-round
  117. CED RDII: Regional Defence Investment Initiative (Quebec)Funds Quebec SMEs and non-profits to enter defence supply chains with $200K–$2M for production, certification, or export projects.Who can apply: For-profit businesses, non-profits, Indigenous organizations, public bodies and industry associations. Growing and established businessesLoanQuebecCanada Economic Development for Quebec Regions (CED)Up to 75% of costsOpen until Mar 31, 2028
  118. Indigenous Business Corporation (IBC): First Nations Business LoansDevelopment lending for First Nations businesses in Treaty Areas 6, 7 and 8, from a lender that has been doing it since 1987. Agriculture and heavy equipment are its specialities, but it finances anything viable, from convenience stores to video production.LoanAlbertaIndigenous Business CorporationUp to $80MOpen now
  119. Louis Riel Capital Corporation (LRCC): Métis Business Grant & Loan ProgramFinancing for Red River Métis owned businesses in Manitoba, packaging a non-repayable grant of up to $99,999 with a commercial loan of up to $250,000. LRCC also helps applicants build the business plan the decision rests on.LoanManitobaLouis Riel Capital Corporation$99.9K–$1MOpen now
  120. Société de Crédit Commercial Autochtone (SOCCA): Indigenous Business FinancingFinancing for Indigenous businesses in Quebec from a First Nations owned lender of more than 30 years. A term loan needs as little as 10% down, and a non repayable contribution of up to $99,999 can fill the gap on a private project.LoanQuebecSociété de Crédit Commercial Autochtone$20K–$1MOpen now
  121. Tribal Resources Investment Corporation (TRICORP): Business Development LoansBusiness loans and non-repayable contributions for Indigenous owned businesses in northwest BC, from Haida Gwaii to Burns Lake. Under the First Citizens' Fund you repay 60% of what you borrow and 40% is forgiven if you make every payment.LoanNorthwest B.C.Tribal Resources Investment Corporation$7.5K–$350.1KOpen now
  122. Nuu-chah-nulth Economic Development Corporation (NEDC): Business Loans & ContributionsLoans and non-repayable contributions for Indigenous entrepreneurs on Vancouver Island and the Gulf Islands, assembled into one package by a dedicated Business Development Officer. NEDC has been lending to First Nations clients since 1984 and funds feasibility studies and business plans as well as the business itself.LoanVancouver Island and Gulf Islands, British ColumbiaNuu-chah-nulth Economic Development Corporation$7.5K–$250KOpen now
  123. SaskMétis Economic Development Corporation (SMEDCO): Métis Business Loans & MAPSecured, interest-bearing loans for Métis entrepreneurs in Saskatchewan, for starting, growing or buying a business. SMEDCO also runs a non-repayable grant, the Métis Assistance Program, but its own 2025 annual report says no MAP funding is available until a federal agreement is signed.LoanSaskatchewanSaskMétis Economic Development CorporationOpen now
  124. SOFII: Southern Ontario Fund for Investment in InnovationRepayable $150K–$500K loans for southern Ontario SMEs via Community Futures; no intake windows, continuous delivery, built for late-stage commercialization.Who can apply: For-profit businesses. Growing businessesLoanSouthern OntarioCommunity Futures Eastern Ontario / Community Futures Western Ontario (FedDev Ontario-funded)$150,000 to $500,000Year-round
  125. Saskatchewan Indigenous Enterprise Foundation (SIEF): Business FinancingSIEF lends to First Nation entrepreneurs and communities in Saskatchewan to start, buy or grow a business, and pairs that lending with a conditional non-repayable contribution of up to $99,999 for individuals or $250,000 for band-owned enterprises. Eligibility is narrow: registered Status Indians, majority First Nation-owned businesses and development corporations based in Saskatchewan.LoanSaskatchewanSaskatchewan Indigenous Enterprise Foundation Inc.$25K–$250KYear-round
  126. Settlement Investment Corporation (SIC): Métis Settlement Business FinancingSettlement Investment Corporation provides tailored developmental debt financing, plus business planning and mentoring support, to business owners across Alberta's eight Métis Settlements.LoanMetis Settlements (Alberta)Settlement Investment CorporationNot stated on program pageYear-round
  127. New Brunswick Agriculture Loan and Loan GuaranteesNew Brunswick lends to farms as a gap lender after a private lender, for buying or starting a farm, land or working capital. New entrants get better terms.LoanNew BrunswickGovernment of New Brunswick, Department of Agriculture, Aquaculture and Fisheries (Industry Financial Programs Branch)Loan size not publishedYear-round
  128. Investissement Québec FORCE Tariff Liquidity Loan (formerly Frontière)Investissement Québec loan up to $50M for tariff-hit Québec manufacturers and primary producers: interest-free first year, up to 7 years, $2M sales minimum.Who can apply: Established businessesLoanQuebecInvestissement QuébecLoan up to $50MYear-round
  129. Aquaculture Capital Equity ProgramGovernment purchases preferred shares to match private investment in NL aquaculture capital projects, from $100,000 up with no published cap.LoanNewfoundland and LabradorGovernment of Newfoundland and LabradorYear-round
  130. Québec: Programme d'appui au développement des attraits touristiques (PADAT), Volet 1Investissement Québec loans and loan guarantees of $150,000 to $5 million for Quebec tourism attraction projects, up to 50% of eligible costs.Who can apply: For-profit businesses, non-profits, co-operatives and Indigenous organizations. Growing and established businessesLoanQuebecGouvernement du Québec, Ministère du Tourisme (administered by Investissement Québec)Closes Dec 3162 days
  131. Atuqtuarvik Corporation: Inuit Business FinancingLarge-ticket debt and equity financing of $150K–$3M for commercially viable, Inuit-owned businesses in Nunavut generating community benefits.Who can apply: Startups and growing businessesLoanNunavutAtuqtuarvik Corporation (100% Inuit-owned, created by Nunavut Tunngavik Inc. and Nunavut Trust)$150K–$3MYear-round
  132. Rise Asset Development: Business LoansMicroloans of $500–$10,000 for Canadian entrepreneurs with mental health or addiction challenges; no credit score required, mentorship included.Who can apply: Startups and growing businessesLoanOntario and Nova ScotiaRise Asset Development (Rise)Up to $10KYear-round
  133. PrairiesCan - Entrepreneurs with Disabilities ProgramLoans from $5K to $150K for Western Canadian entrepreneurs with disabilities or health conditions; includes mentoring and training.Who can apply: Startups and growing businessesLoan3 provincesPrairies Economic Development Canada (PrairiesCan)Up to $150K (loan)Year-round
  134. Peace Hills Trust: Business FinancingCommercial lending from an Indigenous owned trust company: loans and lines of credit, commercial real estate financing, and the government backed Canada Small Business Financing for start-ups without a track record. Financing is available on or off reserve.LoanAlberta and SaskatchewanPeace Hills TrustOpen now
  135. PrairiesCan (Prairies Economic Development Canada) Funding$200,000-$5,000,000 interest-free repayable funding for businesses with staffed operating facilities in AB, SK, MB; requires 2+ years in business in Canada, 50% co-funding, and a project in one of seven priority areas.Who can apply: Startups and growing businessesLoan3 provincesPrairies Economic Development CanadaUp to $5M (varies)Year-round
  136. PrairiesCan Business Scale-up and Productivity (BSP)Interest-free repayable contributions of $200K-$5M for fast-scaling Prairies businesses; covers up to 50% of project costs.Who can apply: For-profit businesses. Growing businessesLoan3 provincesPrairies Economic Development Canada$200K–$5MYear-round
  137. Regional Artificial Intelligence Initiative (RAII)$250K-$5M interest-free repayable contribution for AI commercialization in AB/SK/MB (PrairiesCan) in tech, agriculture, manufacturing, or healthcare; 50%/90% cost coverage.Who can apply: For-profit businesses. Growing businessesLoan3 provincesPrairiesCan$250K–$5MOpen until Dec 31, 2029
  138. Business Development Program (BDP) - ACOAInterest-free, repayable contributions for Atlantic Canada SMEs; marketing, R&D, or capital projects.Who can apply: For-profit businesses and non-profits. Growing and established businessesForgivable loan4 provincesAtlantic Canada Opportunities Agency (ACOA)Year-round
  139. CBDC First-Time Entrepreneur Loan (Rural Atlantic Canada)CBDC loans up to $150,000 specifically for first-time entrepreneurs in rural NB, NS, PEI, and NL; starting or buying a business with no prior ownership expe…Who can apply: For-profit businesses and individuals. Startups and early-stageLoan4 provincesAtlantic Community Business Development Corporations (CBDC Network) / ACOAUp to $150,000Year-round
  140. CBDC General Business Loan (Rural Atlantic Canada)CBDC provides loans of $5,000–$150,000 to rural Atlantic Canada businesses (NB, NS, PEI, NL) that can't access conventional bank financing, with flexible ter…Who can apply: For-profit businesses and individuals. Startups and growing businessesLoan4 provincesAtlantic Community Business Development Corporations (CBDC Network) / ACOA$5,000 to $150,000Year-round
  141. Atlantic Canada Opportunities Agency (ACOA) FundingInterest-free repayable contributions for Atlantic Canada business projects; up to 50% of capital costs and up to 75% of business growth activities such as training, marketing and productivity work.Who can apply: Startups and growing businessesLoan4 provincesAtlantic Canada Opportunities AgencyUp to 75% of costsYear-round
  142. REGI Business Scale-up and Productivity (BSP): ACOAInterest-free repayable contributions for Atlantic Canada SMEs to scale, adopt tech, or expand exports; typical $100K-$500K, $1M+ export-driven.Who can apply: For-profit businesses, non-profits, co-operatives, individuals and Indigenous organizations. Growing businessesLoan4 provincesAtlantic Canada Opportunities Agency (ACOA)Typically $100K–$2MYear-round
  143. Ulnooweg Indigenous Business Loans (Micro, Women & Youth, General Lending)Developmental business loans for First Nations, Métis and Inuit entrepreneurs across Atlantic Canada; micro ($5K), women/youth ($25K), and general lending to $750K–$1.5M.Who can apply: Startups and growing businessesLoan4 provincesUlnooweg Development Group Inc.Up to $750K (individuals)Year-round

  144. Open now in one city or region

    6Local programs, usually for a downtown or a region
  145. Local Investment Funds (Fonds locaux d’investissement)Term or equity loans up to $250,000 for Laval SMEs, co-ops and non-profits with fewer than 250 employees.Who can apply: For-profit businesses, non-profits and co-operativesLoanLaval, QuebecLaval Économique / Ville de LavalUp to $250KYear-round
  146. London Façade Improvement LoanInterest-free loan (up to $50,000, 50% of costs) for commercial storefront façade upgrades in London's designated improvement areas; partly forgivable in some zones.Forgivable loanLondon, OntarioCity of London (Ontario), Community ImprovementUp to $50,000Year-round
  147. Succession Fund (Fonds Relève)Loans up to $250,000 to acquire at least 25% of an existing Laval business, repayable over a maximum of seven years.Who can apply: For-profit businesses, non-profits and co-operativesLoanLaval, QuebecLaval Économique / Ville de LavalUp to $250KYear-round
  148. Envision Saint John: Impact LoanLow-interest start-up or expansion loan of up to $50,000 with flexible repayment terms, for small and medium-sized businesses in the City of Saint John.Who can apply: Startups and growing businessesLoanSaint John, New BrunswickEnvision Saint John (Regional Growth Agency)Up to $50KYear-round
  149. PME MTL: Innovation Investment Fund (Fonds Commercialisation des innovations)Loan; sometimes a subsidy; of up to $150,000 covering 80% of costs to test, launch and export an innovation, for incorporated Montréal businesses.Who can apply: Startups and growing businessesLoanMontréal, QuebecPME MTLUp to $150K loan (80%)Year-round
  150. Hamilton Start-up and Office Tenant Attraction (SOTA) ProgramCity of Hamilton loan at 0% interest, up to $450,000, for leasehold improvements to office space in designated Commercial District CIPAs. A start-up incubator tenant or an educational establishment in Downtown Hamilton may have 10% of the loan forgiven, to a maximum of $25,000.LoanHamilton, OntarioCity of Hamilton, Economic DevelopmentYear-round

  151. Not open right now

    4Between intakes or announced but not yet open
  152. SEED Student Entrepreneurship (New Brunswick): Government of New Brunswick / WorkingNB / CBDC RestigoucheA guaranteed interest-free loan of up to $3,000 for a New Brunswick student starting a summer business, from a WorkingNB regional office. Repay it in full by October 15 and up to a third of it is reimbursed.LoanNew BrunswickGovernment of New Brunswick / WorkingNB / CBDC RestigoucheUp to $3KBetween intakes
  153. CanNor IDEANorth (Inclusive Diversification and Economic Advancement in the North)Up to 50% repayable for for-profit SMEs or 80% non-repayable for non-profits/Indigenous groups in Yukon, NWT, Nunavut.Who can apply: For-profit businesses, non-profits, Indigenous organizations, public bodies and industry associationsForgivable loanThe three territoriesCanadian Northern Economic Development Agency (CanNor)$50K–$6M (varies by stream)Between intakes
  154. Eastern Ontario Development Fund (EODF): Business Stream$200K-$1.5M forgivable loan for established Eastern Ontario businesses in manufacturing, technology, innovation, or food processing; $500K max for small/rural businesses.Who can apply: For-profit businesses. Established businessesForgivable loanEastern OntarioGovernment of OntarioUp to $5MOpening soon
  155. Southwestern Ontario Development Fund (SWODF): Business Stream$200K-$1.5M forgivable loan for capital equipment, facilities, or digital transformation in mfg, tech, agri, or food in SW Ontario.Who can apply: For-profit businesses. Established businessesForgivable loanSouthwestern OntarioGovernment of OntarioUp to $5MOpening soon

What’s in this directory

This directory lists 151 live business funding programs that are loans or forgivable loans: 135 loans and 16 forgivable loans. 147 accept applications today, and 124 of those have no deadline at all.

By type of funding

  • Loan135
  • Forgivable loan16

By who runs it

  • Federal70
  • Provincial36
  • Territorial2
  • Municipal6
  • Private and non-profit37

Closing in the next 14 days 0

Nothing on this list closes in the next 14 days.

Updated October 30, 2026. Every program is checked against its funder’s own pages; statuses and dates change, so confirm with the funder before you apply.

Want advice on where to start rather than the full list? Read the forgivable loans guide.

This directory is for businesses. Looking for money as a person? See benefits and credits for individuals. Artists and arts groups have their own directory at GrantCompass Arts.

Not sure where to start? Rank my list