Find Grants, Loans & Tax Credits for Your Nonprofit or Business

What you could receive

Grants of $50,000 to $300,000 a year for one to three years (up to $900,000 total), with overhead and administration capped at 15% of the project budget.

Eligibility requirements

• Registered charity or not-for-profit that has existed at least two years
• Established mandate and reputation supporting Ontario's non-profit sector
• Gross revenue of $500,000 or more in each of the last two fiscal years
• Audited statements from an external licensed public accountant
• At least three active board members, with more than half at arm's length
• Project creates reusable sector-wide tools, data systems or funding-readiness resources

Not eligible

• Individuals and for-profit organizations
• Organizations mainly delivering local programs and services
• Government agencies, universities, colleges, schools and hospitals
• Projects serving a single organization or funding core operations

How to apply

Two steps via OTF Granting Portal: Step 1 Sept 23 to Oct 14, 2026; invited organizations complete Step 2 by Dec 2.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Peel has up to $4.8 million from Public Safety Canada over 2026 to 2029; awards run up to 10% to 15% of an organization's revenue, with terms from one year (microgrants) to three years (youth hubs).

Eligibility requirements

• Based in Peel or mainly serving Peel residents, with a human and community services mandate
• Incorporated not-for-profit for two years, or partners with a lead agency
• Complies with the Ontario Human Rights Code, other laws and past Peel funding agreements
• Documented financial management systems and able to provide audited statements
• Initiative serves children and youth 0 to 24 (youth agency, housing, hubs or microgrants)

Not eligible

• Individuals and for-profit organizations
• Organizations acting as funding bodies
• Faith-based groups lacking broad community programs, and politically affiliated organizations
• Programs where federal or provincial government has primary funding responsibility

How to apply

Email cswb@peelregion.ca for EOI form and budget template; submit with documents by October 14, 2026, 11:59 p.m.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Community-based not-for-profit organizations (CSWB Seed Funding; food security fund for non-profit agencies)
• Building Safer Communities Fund targets youth violence prevention initiatives for ages 0 to 24, with collaborative proposals encouraged
• Core Fund details are not yet published (status: coming soon)

How to apply

Building Safer Communities: email the program for the EOI package (deadline October 14, 2026); other funds listed are closed.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Applicants may request up to 100% of eligible expenses, to a maximum of $200,000 per festival. Funding is not guaranteed and the amount awarded may differ from the request.

Eligibility requirements

• Local non-profit organization or group, or a local Indigenous government or organization
• Festival is recurring and presents work of local artists, artisans, heritage performers or Indigenous cultural carriers
• Actively involves the local community and is open and accessible to the general public
• Successfully organized a prior edition of the festival within the last 2 years

How to apply

Apply online via your Canadian Heritage account by Jan 31, Apr 30 or Oct 15, 4 p.m. ET.

Source page last updated: Sep 11, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Generally up to 25% of eligible expenses; festival caps are $100,000 a year as a grant or $500,000 as a contribution, and series caps are $100,000 (grant) or $200,000 (contribution). Average support runs 7% to 17% of eligible expenses, and combined government funding cannot exceed 90% of project costs.

Eligibility requirements

• Not-for-profit incorporated federally or provincially, a public institution, or an Indigenous organization
• Mission centred on presenting works by professional artists
• In continuous professional operation at least one year before the deadline
• Festival of 3+ consecutive days or a series of 3+ shows, with works from more than one province or territory
• Charges admission and pays guaranteed fees to artists

Not eligible

• Galas, book fairs, competitions and receptions
• Tours, self-presentation, and creation or production activities
• Infrastructure and capital projects, deficit reduction and feasibility studies
• Events celebrating Canada Day, National Indigenous Peoples Day, Saint-Jean-Baptiste or Multiculturalism Day

How to apply

Submit the application form and documents to the nearest Canadian Heritage office by April 1 or October 15, 4 p.m. ET.

Source page last updated: Mar 24, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Ontario-based professional artist or arts professional aged 18+, Canadian citizen or permanent resident, resident of Ontario 12+ months
• Or an ad hoc group/collective of at least two eligible members, not a corporation
• Or an Ontario-incorporated (or federal) not-for-profit with Ontario head office and a volunteer board
• Some programs also admit municipalities, colleges, universities or school boards
• Final reports on any earlier OAC grants must be up to date

Not eligible

• Ongoing or operating expenses (project grants are one-time)
• Applicants with overdue or unresolved final reports
• More than one grant for the same activity, and more than three project grants in a calendar year

How to apply

Apply through OAC's Nova online system by 1 p.m. ET on each program deadline (October 6 to November 5, 2026).

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Two streams: individual non-profits can get up to $50,000 per approved application (capped at the lesser of 50% of eligible revenue or the eligible budget), and collaboratives up to $100,000. Funds must be spent within 24 months.

Eligibility requirements

• Non-profit operating at least one year and in good standing under a listed Alberta or federal Act
• Registered charities and Alberta societies/non-profit companies qualify
• Must have an Alberta address that is regularly monitored
• Able to provide a full fiscal year financial statement
• Project must be organizational development (governance, planning, HR, communications, research)

Not eligible

• For-profit organizations, municipalities, individuals and funding agencies
• Faith-based organizations where faith is required to participate
• Organizations with overdue reporting on prior ministry grants
• Large capital spending, events, debt and partisan or religious activities

How to apply

Register for GATE Front Office portal (10 business days ahead), then apply online by June 15 or October 15 deadlines.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Category One: up to $30,000 for up to one year. Category Two: up to three years of funding with no set maximum; about $2.3 million is available for new grants in 2027 out of roughly $5.5 million in annual funding.

Eligibility requirements

• Incorporated non-profit (unincorporated groups need an incorporated sponsor under Category One)
• Category Two also requires registered charity status
• Governed by an active, elected volunteer board with at least three unrelated members
• Operates in line with the Ontario Human Rights Code
• Complies with federal and Ontario laws governing non-profits

Not eligible

• For-profit organizations (may collaborate under a non-profit lead)
• Governments, hospitals, libraries, schools, police, post-secondary institutions and municipalities
• Unincorporated or sponsored applicants under Category Two
• Construction, renovation or landscaping capital requests under Category Two

How to apply

Submit the Category One or Two application form online from Sept 15 to Oct 20, 2026, 2 p.m.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Organizations may request up to $15 million a year for up to 24 months, to a maximum of $30 million, with possible extension based on performance and available funding.

Eligibility requirements

• Not-for-profits, municipal governments, Indigenous organizations, and public health, educational or cultural institutions
• For-profits only if the activity is non-commercial and not meant to generate profit
• Capacity for job matching supporting at least 500 youth placements a year
• Construction and trades sector expertise and networks
• Demonstrated cross-sector partnership capacity
• Participants are youth 15 to 30 who are citizens, permanent residents or protected persons

Not eligible

• Commercial or profit-generating activities by for-profit organizations

How to apply

Submit an Expression of Interest between September 17 and October 23, 2026, 7:00 pm EDT.

Source page last updated: Sep 17, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants up to $25,000 for projects running May 3 to Sept 10, 2027, such as activations, placemaking, planning or technology improvements.

Eligibility requirements

• BIA (Eglinton Hill, Fairbank Village, Little Jamaica or Oakwood Village) or qualifying not-for-profit or charity
• Demonstrated connection to the Little Jamaica business community
• In good standing with the City of Toronto
• Audited financial statements available
• Consult the program manager before applying

Not eligible

• For-profit businesses, sole proprietors, partnerships and corporations
• Projects eligible under other City BIA programs
• Projects outside Toronto or work done before approval

How to apply

Email mif@toronto.ca for a pre-application consult, then submit the online form by the deadline.

Source page last updated: Sep 17, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants totalling $100,000 to $600,000 over 2 or 3 years, requesting $50,000 to $200,000 per year, to expand, improve or adapt a proven program. Up to 20% of the budget may be capital costs and overhead is capped at 15%.

Eligibility requirements

• Non-profit registered or incorporated and actively operating for at least 12 months, or a First Nation
• Delivers community-based programs in sports/recreation, arts/culture, environment, or human/social services in Ontario
• Established program with a proven track record of success
• Board of at least three active members, 50% at arm's length; qualifying financial statements
• Proof of facility ownership or a 5-year lease for any spaces being improved

Not eligible

• Municipalities with populations over 20,000
• Costs incurred before approval, contingency, and capital fundraising campaigns
• Ineligible taxes recoverable through rebates
• Province-wide or national-level projects (must target one of 16 catchment areas)

How to apply

Apply through OTF's Granting Portal between October 7 and November 4, 2026, 5 p.m. ET.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

The Anti-Racism Call allows up to $1,000,000 per project, though the program expects awards of roughly up to $300,000 each. Funding is a grant or contribution; projects run up to one fiscal year, starting no earlier than April 1, 2027.

Eligibility requirements

• Canadian not-for-profit organization, association or unincorporated group (or Indigenous organization or government)
• Non-federal public institutions and provincial, territorial or municipal governments may also apply
• Project addresses systemic racism and discrimination and meets one or more expected results
• Project ends by March 31, 2028; one application per organization for this call

Not eligible

• Applicants that discriminate on prohibited grounds or advocate intolerance, discrimination or prejudice
• Applicants undermining Canada's Anti-Racism Strategy or Charter values
• Board fees, capital costs, fundraising contributions, AGMs and religious or partisan activities

How to apply

Request the application package, then email the signed form and documents by 4 p.m. ET, November 12, 2026.

Source page last updated: Oct 8, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Can cover up to 100% of eligible costs; grants go up to $50,000 per fiscal year, and larger projects are funded only through a contribution agreement. Administrative costs are capped at 15% of the total contribution.

Eligibility requirements

• Canadian not-for-profit, or a business corporation running a non-commercial project
• Educational institutions, municipal governments and Indigenous organizations also qualify
• One-day, free, public event held between June 21 and July 1
• Celebrates National Indigenous Peoples Day, Saint-Jean-Baptiste, Multiculturalism Day or Canada Day
• Recurring clients must have filed last year's final report

Not eligible

• Federal, provincial and territorial governments (narrow Canada Place Corporation exception for Canada Day)
• Primarily religious, political or commercial events
• Events mainly for fundraising or contests, and multi-day events
• Events on private property or in school grounds during school hours

How to apply

Apply online through the Canadian Heritage Funding Portal between Oct 1 and Nov 23, 2026, 4 p.m. ET.

Source page last updated: Oct 1, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

The page does not state a grant size. Projects involving Deaf artists or artists with disabilities may add an Accessibility Grant of up to $5,000.

Eligibility requirements

• Located in the City of Toronto (a post office box does not count)
• Incorporated non-profit arts organization, or artist collective operating on a not-for-profit basis
• Viable administrative and financial plan for the project
• Project finishes within two years of the notification letter and starts 3+ months after the deadline
• One Open Door grant every two years and one Strategic grant per calendar year

Not eligible

• Individuals
• Organizations receiving operating funding directly from City of Toronto divisions
• Capital projects, renovations and ongoing staff salaries
• Activities already covered by TAC operating or other project grants

How to apply

Register and submit through TAC Grants Online by 11:59 pm on November 26, 2026; discuss proposal with the Program Manager first.

Source page last updated: Sep 8, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Cost-shared capital funding from a $500 million program. Stream 1 (repairs) gives $100,000 to $1 million, with provincial share up to 50% for municipalities and non-profits and up to 90% for Indigenous communities; projects finish within 24 months and by March 31, 2029.

Eligibility requirements

• Municipality, Indigenous community or organization, local services board, or not-for-profit (for-profit eligible for new builds only)
• Project repairs, upgrades or builds a sport and recreation facility
• Applicant covers all remaining project costs
• Needs audited financial statements, proof of ownership or lease, and proof of legal status (except municipalities)

Not eligible

• Stacking with other Ontario provincial funding for the same project

How to apply

Apply through Transfer Payment Ontario; current intake closes December 22, 2026 at 4 p.m. ET.

Source page last updated: Sep 9, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Funding of up to $75,000 per project for new community initiatives, programs and events. Awards are matching-only: the applicant must contribute at least the amount requested, and total Alberta government funding cannot exceed 50% of project costs.

Eligibility requirements

• Non-profit registered and in good standing under a listed provincial or federal act (e.g., Societies Act, charity status)
• Operating at least one full year before applying
• Able to provide a financial statement for the year
• Alberta address regularly monitored by an active member; charities must operate in Alberta
• Project is a new or enhanced program, community event, technology or portable equipment

Not eligible

• Municipalities, for-profit organizations, K-12 schools, post-secondary institutions and individuals
• Organizations with overdue or incomplete reporting on prior ministry grants
• Construction, renovation or land purchases; gaming, religious observance, ongoing programs, or projects already started or held
• National or international sporting events eligible for the Major Sport Event program

How to apply

Register for GATE Front Office, upload required documents, apply online; intakes Feb 15 and Aug 15 (next Feb 15, 2027).

Source page last updated: Sep 3, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Amounts vary with project scope, scale and eligible costs; no minimum or maximum is stated. The applicant or other sources may need to cover the remaining balance of the project.

Eligibility requirements

• Registered non-profit, charity or society
• Municipality, Mi'kmaw band or Indigenous organization
• Public institution such as a library or museum
• Social enterprise or community interest company
• Project aligned with department priorities (infrastructure, operating support, events, community development)

How to apply

Contact the program for eligibility and the form, then mail or email it; intake closes March 31, 2027.

Source page last updated: Jul 23, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Support is repayable to OCAF, and projects must show they can repay while aiming for a surplus. The pages state no award amount or cap.

Eligibility requirements

• Incorporated Ontario not-for-profit or charitable arts, heritage or cultural organization, municipality or agency, or First Nation, Metis or Inuit community
• In existence at least one year and compliant with financial reporting laws
• Project distinct from ongoing programming and the largest new initiative that year
• Fixed-term project with a marketing plan targeting new tourists
• At least 10% private-sector revenue and 40% earned revenue (50% combined for free or low-cost festivals)
• Board typically expects attendance of 1,000+ rural or 10,000+ in large urban centres

Not eligible

• Applicants that received OCAF support within the past two years

How to apply

Two-stage process: Stage 1 has no deadline, start about eight months ahead; Stage 2 deadlines depend on event start date.

Source page last updated: Sep 24, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Matching capital funding of up to $125,000 per project; the applicant must put in at least an equal amount, and Alberta government funding cannot exceed 50% of total project cost.

Eligibility requirements

• Alberta-based non-profit or charity registered under the provincial or federal acts named in the guidelines
• First Nations and Metis Settlements also qualify
• Project upgrades, expands, buys or builds a public-use community facility or green space
• Matching contribution at least equal to the grant request (cash, other grants, valued in-kind)
• No overdue reporting on earlier ministry grants

Not eligible

• Municipalities, for-profit organizations and individuals
• Universities, colleges, institutes and private schools
• Private or restricted-use facilities, places of worship and gaming-related facilities
• Stand-alone land purchases

How to apply

Register for a GATE Front Office account, then submit online by the Jan 15, May 15 or Sept 15 deadline.

Source page last updated: Aug 31, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable grants up to $35,000 per local or regional program and up to $50,000 per provincial program, for programs of 12 months or less. Up to 20% of a grant may cover general operating costs; 80% is paid up front and 20% after the final report.

Eligibility requirements

• Saskatchewan nonprofit in good standing, municipality, First Nation, health region, library or school proposing community-led programs
• In good standing with CIF (no outstanding reports or repayments)
• Program fits a funding theme: child and youth development, individual and community wellbeing, or nonprofit leadership
• Program starts at least 2 months after the deadline and benefits people mainly off-reserve
• Maximum of two Community Program grants per 12 months, for different programs

Not eligible

• Events such as festivals, fairs, parades and conferences, plus fundraising and sponsorships
• Capital construction or renovation, and government-delivered services
• Competitive programming, public awareness campaigns, and standalone summer programs for under-18s
• Programs primarily benefiting people living on-reserve

How to apply

Register on the CIF grant portal, then apply online by April 1 or October 1 at 4:00 p.m.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable funding across three components. Local Festivals can cover up to 100% of eligible expenses to a maximum of $200,000; Community Anniversaries commemorative items and capital projects can be funded to a maximum of $25,000.

Eligibility requirements

• Local non-profit organization or group, or a local Indigenous band council, government or organization
• Festival must be recurring and present work of local artists, artisans or cultural carriers
• Applicant successfully ran a prior festival edition within the last 2 years
• Anniversary and Legacy projects must commemorate a 100th or later anniversary in 25-year steps
• Festival must involve the local community and be open to the general public

How to apply

Apply online through a Canadian Heritage account; Local Festivals deadlines are January 31, April 30 and October 15.

Source page last updated: Sep 9, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable support (paid as a grant or a contribution) capped at 50% of total eligible project expenses, with higher shares only in exceptional circumstances. No fixed dollar ceiling is stated; total public funding cannot exceed 100% of project costs.

Eligibility requirements

• Incorporated not-for-profit arts or heritage organization active in its mandate for over 2 years
• Or a provincial, territorial or municipal body, or an Indigenous governing body, with a history of arts/heritage commitment
• Project is renovation, purchase of a space, or specialized equipment (construction currently not accepted)
• Own the space or hold a lease of at least 5 years with owner permission
• Have other confirmed funding sources (two-thirds of total needed before approval recommendation)

Not eligible

• Federal departments, agencies and federal Crown corporations
• Unincorporated organizations, for-profit entities and individuals
• Routine maintenance, programming of spaces, and purchase or production of exhibit content or artworks
• Feasibility studies, planning/design documents and facility assessments (no longer accepted since April 1, 2026)

How to apply

Contact a Canadian Heritage regional program officer first, then email or mail the application form and supporting documents; continuous intake.

Source page last updated: Jun 11, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Applies to registered charities and registered national arts service organizations (RNASOs)
• Complete T3010 return is due within six months after the organization's fiscal year end
• CRA aims for all such organizations to file the T3010 online starting in 2027

How to apply

File the T3010 online via the free interactive form in your CRA account or CRA-certified software; fax no longer accepted.

Source page last updated: Sep 29, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Applies to registered charities holding property not used in charitable activities or administration
• Charitable organizations: average value of that property over prior 24 months exceeds $100,000
• Public and private foundations: average value exceeds $25,000

How to apply

Calculate using line 5900 in Schedule 6 of the annual T3010 return.

Source page last updated: Oct 18, 2023. Checked against the official page on Oct 9, 2026.

What you could receive

The page says approved employers receive wage subsidies to hire youth, but gives no subsidy rate or dollar cap.

Eligibility requirements

• Employer hiring youth aged 15 to 30 for paid summer work (program purpose stated)

Source page last updated: Aug 14, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Applicants normally request between $125,000 and $10 million per project, with FedDev paying about half of eligible costs on a reimbursement basis.

Eligibility requirements

• Incorporated not-for-profit organization in southern Ontario supporting businesses and/or community economic development (e.g. accelerators, incubators, innovation centres, municipalities, post-secondary institutions, consortia)
• Legal entity able to enter into legally binding agreements
• Project-based initiatives that deliver incremental results tied to Government of Canada priorities
• Matching funds of 50% or more, in cash or in kind, identified at application
• Projects normally run 1-3 years; activities cannot start before the application is submitted

Not eligible

• Land and building costs
• Operating costs and amortization
• Refinancing of existing debt
• For-profit businesses (applicants must be not-for-profit organizations)

How to apply

Follow the FedDev Ontario application steps and guide; questions to info@feddevontario.gc.ca.

Source page last updated: Sep 10, 2025. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Organization or collective located and operating in the City of Toronto
• Incorporated non-profit, or a non-profit collective of two or more artists with a group bank account
• Track record of arts activity and a viable administrative and financial plan
• Operating funding requires having received two project grants first
• One Discipline grant and one Strategic grant per calendar year; no overdue final reports

Not eligible

• City-funded Major Cultural Organizations and Local Arts Service Organizations
• Organizations with only a Toronto satellite office open less than a year
• Undergraduate students (individual artists)

How to apply

Apply through the TAC Grants Online portal; each program has its own deadline, and some are rolling.

Source page last updated: Mar 16, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Loans from $1,000 to $25,000, per the program page.

Eligibility requirements

• Nonprofit or co-operative organization operating in Alterna's service area (for-profit social entrepreneurs have a separate track: legal resident, 18+, operating a business that generates revenue)
• Letter stating a Board of Directors motion endorsing the funding application
• Unincorporated groups need a sponsoring organization that takes on the loan
• Interview, business plan with 24-month cash flow, registration documents, two business and personal references, photo ID

How to apply

Book an interview with Alterna's Community Microfinance team; bring board motion and business plan.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Not-for-profit or for-profit organizations qualify
• Housing must be long-term, permanent and affordable
• Waterloo Region applicants begin with the WRCF online pre-screen
• Applicants elsewhere meet with a Kindred account manager

How to apply

Waterloo Region: complete WRCF's pre-screen. Elsewhere, meet a Kindred account manager.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Term loans and operating lines both start at $5,000; term loans run up to 10 years. No upper limit stated on the pages.

Eligibility requirements

• Covers non-profits such as arts groups, social service, social justice and faith-based organizations
• Vancity says it customizes lending criteria and terms for non-profits
• Term loans fund projects like expanding or buying equipment; operating lines of credit give access to funds at any time
• Vancity is a credit union and the pages frame the products for Vancity members, so confirm membership requirements

How to apply

Book an appointment with a Vancity business account manager.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Annual operating-style grants for ongoing programs, sized by program scope and community benefit and not guaranteed year to year. Local organizations can receive up to $125,000 per year and regional/provincial organizations up to $250,000 per year.

Eligibility requirements

• Not-for-profit organization delivering programs or services directly to the broader community
• Open membership with a democratic process for choosing volunteer board members
• Must demonstrate financial need to deliver the programming
• Programs must already be running when applying
• Business or Basic BCeID account needed to apply online

Not eligible

• Start-up or seed funding for programs not yet running
• Renewed funding applications are not available in the 2026 intake

How to apply

One online application per calendar year via the Community Gaming Grants Online Service; no mail, fax or email.

Source page last updated: Aug 11, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

One-time national envelope of $397,540,000 shared across projects selected for the three national funders; each project's amount depended on the number and scope of projects chosen. Individual charities could not apply directly in this call.

Eligibility requirements

• Invitation-only: Community Foundations of Canada, United Way Centraide Canada and the Canadian Red Cross were invited
• Registered charity or incorporated not-for-profit located in Canada
• Operating at least 10 years and in good financial standing with the Department
• Recent (past 5 years) and significant (2+ years) experience running large-scale grant programs

Not eligible

• Community service organizations seeking funding directly in this call; they use the national funders

How to apply

Closed solicited call (Jan 24 to Feb 22, 2022); community organizations applied through the national funders instead.

Source page last updated: Mar 9, 2022. Checked against the official page on Oct 9, 2026.

What you could receive

Projects of $1 million to $5 million lasting 4 to 5 years, funded as collective impact plans to increase social inclusion of vulnerable seniors. This was a solicited process that closed October 25, 2024.

Eligibility requirements

• Invited only: must have succeeded at Step 1 (Call for Concepts); unsolicited applications not accepted
• Organization in Canada: not-for-profit, non-commercial for-profit, municipal or Indigenous government
• Holds a CRA business number or charitable registration number
• One application as a backbone organization; post-secondary and public health bodies need provincial/territorial agreement

Not eligible

• Organizations not invited after Step 1 (unsolicited applicants)

How to apply

By invitation only to Step 1 successes; the application window ran August 15 to October 25, 2024 and is closed.

Source page last updated: Oct 25, 2024. Checked against the official page on Oct 9, 2026.

What you could receive

Contribution funding of $500,000 to $1,000,000 per accessibility project lasting up to 24 months. Contingency is not an eligible cost.

Eligibility requirements

• Not-for-profit, for-profit with up to 99 FTE employees, Indigenous organization, small municipality (under 100,000) or territorial government
• Non-Indigenous applicants must currently employ one or more persons with disabilities
• Project must remove systemic workplace accessibility barriers (construction, retrofit, ICT or specialized equipment)
• Ready to start spending by December 1, 2026 and finish within 24 months

Not eligible

• Federal and provincial governments, public schools, hospitals and crown corporations
• Municipalities with 100,000 or more people
• Condo boards, co-op boards and other residential housing organizations
• Organizations funded through the 2023 mid-sized EAF process

How to apply

Applications were accepted January 16 to March 16, 2026 via the GCOS portal; page marks the call as closed.

Source page last updated: Mar 17, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

The fund has several streams (Youth/Family Innovations Test and Scale, System Innovations). The Youth Innovations Test stream, the only one detailed, awards up to $100,000 per year for 1 to 3 years; amounts for other streams are not on the pages read.

Eligibility requirements

• Youth-led grassroots group or youth-adult partnership based in Ontario (Family streams: parent/caregiver-led groups)
• Not a registered charity; unincorporated, or a not-for-profit with independently managed revenue of $50,000 or less
• At least three core members, with youth over 50% and most at arm's length
• Project benefits youth aged 12 to 25 (to 29 for youth with disabilities or special needs)
• Must partner with an Organizational Mentor under a collaborative agreement

Not eligible

• Registered charities, religious entities and municipalities
• All-adult teams aged 30 or over (limited exceptions)
• For-profit organizations, individuals, and groups that are part of a larger organization
• Capital renovations, general operating costs, fundraising campaigns, and personal professional services

How to apply

Submit an Expression of Interest in OTF's Granting Portal, then a full application if shortlisted (dates shown were 2025).

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable grant of up to $50,000 per project lasting up to one year (52 weeks). Capital assistance may use up to $25,000 of the approved amount; administrative costs capped at 25% of funds requested.

Eligibility requirements

• Not-for-profit, Indigenous organization, municipal government, coalition, research body, educational or public health institution
• Project must meet at least one program objective and benefit seniors and their communities
• Seniors must lead or play a vital role in planning or delivering the project
• Project demonstrates cost effectiveness and runs no longer than 52 weeks

Not eligible

• For-profit organizations
• Core operating costs, vehicle purchases, land or buildings, and new construction
• Fundraising, leisure or tourism-focused activities, and core health services to individuals
• Costs incurred before the agreement is signed, and grant-writer fees

How to apply

Apply online via ESDC's GCOS portal; the 2026 intake ran June 2 to July 14, 2026 and is marked closed.

Source page last updated: Jul 14, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Up to $250,000 per project, covering 20% to 50% of total estimated project cost; projects must cost $20,000 to $1,250,000, and the program has $5 million a year to award. The page does not say whether grants are repayable.

Eligibility requirements

• Not-for-profit already approved for a Community Gaming Grant or PAC/DPAC Grant
• Capital project that is publicly accessible with widespread community benefit
• Project falls in one of four categories: facilities, community infrastructure, acquisitions or repatriation
• Matching funds available to complete the project
• One application per year and one project per application

Not eligible

• Late applications are not accepted
• Only one Capital Project Grant per project; no further funding for the same project in later years

How to apply

Apply online via the Apply Now page with a Business or Basic BCeID; 2026 intake ran July 17 to August 31.

Source page last updated: Jun 17, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Community organizations whose activities relate to health or social services
• National-reach organizations first request admissibility to the program
• Once admitted, an organization may submit a first funding request

How to apply

National-reach organizations return the 2027-28 admissibility form by Sept 18, 2026; info session May 13, 2027; page dates conflict.

Source page last updated: May 27, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Ontario or federal not-for-profit corporation, or for-profit publisher, with primary Ontario business address
• Pays professional fees or provides services to professional artists
• At least two years of sustained, regular programming in Ontario
• Governed by a board and shows community support and sound financial management
• Audited statements required above $50,000 requested; review engagement for $25,001 to $50,000
• New applicants need $100,000+ total revenue and must contact the program officer first

Not eligible

• Non-arts organizations
• Municipalities, colleges and universities
• School boards, First Nations and Indigenous-administered schools
• Major capital, debt repayment and deficit reduction costs

How to apply

Apply in Nova about two months before the deadline; new applicants also register with CADAC and consult an officer.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Grants of up to $20,000 per project, which may cover up to 100% of project costs; professional artist fees must be paid. Grants are not described as repayable.

Eligibility requirements

• Professional artists, non-profit arts organizations, or non-profit artist collectives based in the City of Toronto
• Individuals need Canadian citizenship, permanent residency, pending PR, or protected-person status, plus a Social Insurance Number
• Individuals must have lived in Toronto at least one year before the deadline
• Project is free, community-engaged arts programming at one Toronto Public Library branch
• Programming must take place September to December 2027 during branch hours

Not eligible

• Permanent exhibitions or installations
• Downtown branches (south of St. Clair, east of Jane, west of Don Valley)
• One-off workshops or small-scale events
• Applying to more than one Strategic grant at a time

How to apply

Register and submit through TAC Grants Online by 11:59 pm on October 6, 2026; first-timers should consult the program manager.

Source page last updated: Jul 21, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Operating-cost grants: established and multi-year applicants can seek up to 65% of their operating budget or $200,000, whichever is less; new and emerging applicants up to 65% or $20,000. Awards may be lower than requested.

Eligibility requirements

• Volunteer-governed not-for-profit based and active in Mississauga year-round
• Specific arts, culture or heritage mandate
• Programs open to the public and publicized citywide
• Established and multi-year applicants: incorporated not-for-profit or charity operating 4+ years
• Good standing with the City (no debts, earlier reports filed)

Not eligible

• For-profit organizations, individual artists, collectives and government agencies
• Educational institutions and BIAs
• Major capital spending, deficit reduction and fundraising projects
• Organizations already funded through another City grant program

How to apply

Submit through the City's online Grants Portal by October 9, 2026, 4:30 p.m.; email submissions are not accepted.

Source page last updated: Aug 24, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Registered and in good standing with the City's Community Group Registry Program
• Legally incorporated not-for-profit community group operating at least 4 years
• Based and active in Mississauga
• Financially sustainable with no major deficits
• Delivers recreation and sport, parks and forestry, or environment programs

How to apply

Apply through the City grants portal; the 2027 intake opened August 24, 2026 and closes October 9, 2026, 4:30 p.m.

Source page last updated: Aug 24, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Covers up to 65% of a festival's total operating budget: new or emerging festivals are capped at $20,000, established and multi-year festivals at $200,000. Organizations receive at most $200,000 per year across all festivals, paid 75% after Council approval and 25% after receipts are verified.

Eligibility requirements

• Not-for-profit organization, charity or Business Improvement Association running the festival
• Event held in Mississauga over one full day or consecutive days
• Programming open to the public and publicized city-wide
• Arts, heritage or cultural theme; in good standing with the City with prior reports submitted
• Volunteer-governed on a not-for-profit basis

Not eligible

• Block parties, markets, sports events, stand-alone parades, trade shows, and religious rites
• Capital projects and retroactive expenses or accumulated deficits
• Festivals with predominantly commercial or fundraising purpose, or held outside Mississauga
• Costs such as artist/performer fees, marketing, catering, insurance and staff salaries

How to apply

Apply online via the City of Mississauga Grants Portal; the 2027 intake closes October 9, 2026 at 4:30 p.m.

Source page last updated: Aug 24, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants of up to $2,500 (listed range $500 to $2,500) for project or program expenses that can be delivered by December 31, 2027. The page does not say whether the grant is repayable or requires matching.

Eligibility requirements

• Not-for-profit community organization or Business Improvement Area serving Mississauga residents
• Registered and in good standing with the City's Community Group Registry Program
• Informal resident groups may apply if sponsored by a registered group
• Project delivered by December 31, 2027 and keeps residents active, healthy and engaged

How to apply

Apply through the City's grants portal by October 9, 2026, 4:30 p.m.; registered groups only.

Source page last updated: Aug 24, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable funding covering up to $30,000 of eligible costs under the Sector Growth stream and up to $15,000 under the Organizational Growth and Piloting streams; the applicant or other sources fund the balance.

Eligibility requirements

• Established non-profit based in Nova Scotia and active at least 2 years
• Registered and in good standing with the Registry of Joint Stock Companies, or federally incorporated
• Arts, culture or heritage mandate, or primary activities supporting that sector
• Operates at a professional or structured level
• Project fits sector growth, organizational growth or piloting a new delivery format

How to apply

Submit an online Expression of Interest (current intake deadline October 9, 2026); selected applicants receive a full application package.

Source page last updated: Aug 18, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants of up to $7,500 per resident-led climate project; administration and coordination costs are capped at 30% of the grant. The page does not describe the funding as repayable.

Eligibility requirements

• Resident-led groups of at least three members, or community groups such as youth groups or service clubs
• Project must cut emissions and/or include climate change education
• Project starts after January 2027 and finishes by December 2027
• Groups are matched with a local trustee organization that holds the funds
• Priority for groups led by Black, Indigenous or equity-deserving people, and for projects in priority neighbourhoods

Not eligible

• Individuals
• Non-profit organizations
• Businesses, including BIAs
• Condo corporations, landlord/tenant groups, schools, universities and hospitals

How to apply

Form a resident-led group and submit through the online application portal; the 2026 intake closes October 12, 2026.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Funding for eligible organizations runs through 2030; per-project amounts are not stated on the page reviewed.

Eligibility requirements

• Incorporated not-for-profit organization operating in southern Ontario whose primary focus is supporting businesses and/or community economic development
• Black-led: at least two-thirds of leadership positions and of governance structure positions held by people who self-identify as Black
• Mandate, activities and outcomes focused on supporting Black communities, with demonstrated ability to deliver business support services
• Funds activities such as networking, incubator/accelerator programs, business advisory services, mentorship and training

Not eligible

• Organizations that are not incorporated, Black-led not-for-profits operating in southern Ontario

Source page last updated: Feb 13, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Non-repayable funding of up to $125,000 for a project lasting up to 2 years. Most applicants must contribute 25% of the request in cash; territories, Indigenous, rural/remote organizations, shelters, food banks and clothing charities are exempt. The listed application period (May 28 to July 26, 2024) is marked closed.

Eligibility requirements

• Not-for-profit, Indigenous, municipal or territorial organization, or other listed type such as transitional housing or child care centres
• For-profit organizations with up to 99 full-time equivalent employees
• Project improves accessibility: renovation/retrofit, accessible equipment, or ICT serving multiple persons with disabilities
• Project completed within 2 years; no costs reimbursed before a signed agreement
• Cash leveraging of 25% unless exempt

Not eligible

• Federal and provincial governments, Crown corporations, public schools and public health care facilities
• Home-based child care and long-term care not specifically serving persons with disabilities
• Condo and co-op boards (residential housing organizations)
• Motor vehicle retrofits and aesthetic or personal-use construction

How to apply

Use the EAF calculator, then apply via the online portal (GCOS) during an open call; the 2024 call is closed.

Source page last updated: Jul 26, 2024. Checked against the official page on Oct 9, 2026.

What you could receive

Funding flows to national-level organizations that re-distribute it to community sport projects; 2024-2026 awards to those organizations ranged from $150,000 to $2,500,000. Community groups apply to the funded national organizations, not to the federal program. Federal intake is closed.

Eligibility requirements

• National-level (or multi-region) organization able to reach under-represented groups in all 5 regions of Canada
• Federally or provincially incorporated not-for-profit
• Able to administer and disburse project funding to community organizations
• Projects aim to raise sport participation of under-represented groups (e.g., Black, Indigenous, racialized, low-income, disabled, newcomers, seniors)

How to apply

Federal intake is closed; community organizations should contact the funded national organizations to learn how to apply.

Source page last updated: Oct 22, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

An annual statutory operating grant under Regulation 877 of the Ontario Heritage Act. The province invests nearly $5 million a year across more than 160 community museums; no per-museum amount is stated.

Eligibility requirements

• Community museum operating as a professional museum
• Must follow the Standards for Community Museums in Ontario
• Existing grant recipient (program is closed to new applicants)

Not eligible

• New applicants: CMOG is closed to new applicants

Source page last updated: Apr 27, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants of up to $60,000 for small capital projects that make outdoor spaces, buildings and housing more accessible. More than 40 projects were funded in 2025-26.

Eligibility requirements

• Small capital project improving accessibility of outdoor spaces, buildings or housing
• Project supports active lifestyles for people with disabilities and older adults

How to apply

Applications are currently closed; contact your Regional Development Advisor for questions.

Source page last updated: May 7, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Experience Ontario: festival organizers, not-for-profits and communities running multi-day experiences or Canada Day events
• Experience Ontario is not accepting applications at present
• Marquee Event Program: municipalities and organizations hosting large-scale, high-impact events
• Marquee event must be a major international event in Ontario with $1 million or more in cash operating expenses
• Marquee event must draw tourists and attract national and international media exposure

How to apply

Experience Ontario is closed; Marquee applicants submit the Expression of Interest form and review guidelines.

Source page last updated: Jun 26, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants ranging from $1,000 up to $25,000 for projects supporting adults aged 55 and older. The 2026-27 round included a stream focused on senior veterans.

Eligibility requirements

• Local not-for-profit community group or organization
• Project helps older adults (55+) live independently, stay safe, stay connected and avoid isolation
• Programming can be remote, virtual or in person

How to apply

Applications are now closed; the page points to regional development advisors and other Ontario funding listings.

Source page last updated: Sep 1, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable grants of $10,000 to $200,000 per year for 6 or 12 months. Project budget must be between $10,000 and $200,000; developmental costs are capped at 20% of the budget.

Eligibility requirements

• Non-profit, charity, First Nation, or small municipality/library/local services board (20,000 people or fewer) serving Ontario
• Non-profits registered or incorporated and actively operating at least 12 months
• Delivers community programs in sports and recreation, arts and culture, environment, or human and social services
• At least three active board members, with 50% or more at arm's length from each other
• Proof of ownership or a lease with 5+ years remaining for renovation or fixed-equipment projects

Not eligible

• Municipalities with populations over 20,000
• Collaboratives
• Contingency, costs incurred before approval, capital campaigns, program staff and virtual spaces
• Taxes eligible for rebate

How to apply

Apply via the OTF Granting Portal; the 2026 window was February 4 to March 4, 2026 (closed).

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Non-repayable grants of $5,000 to $75,000 per year for up to 12 months to research, test or pilot new ideas. 10% of the award is held back until the final report is approved; overhead is capped at 15% and evaluation at 10% of the grant budget.

Eligibility requirements

• Project at idea stage focused on learning, testing or piloting something new with unknown outcomes
• Project fits one OTF Grant Result (e.g., active lifestyles, inclusion, environment, arts, youth, economic wellbeing)
• At least three board members with active terms, 50% or more at arm's length
• At least one year of financial history with board-approved financial statements
• Municipalities, First Nations, Métis and Inuit communities are exempt from submitting financial statements

Not eligible

• New construction, renovations and repairs (capital projects fit the Capital grant instead)
• Costs not directly attributable to the project

How to apply

Apply online during an OTF intake period; the page currently shows no upcoming deadlines.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Two streams (Program and Service Delivery; Capacity Building) each allow up to $40,000 a year for two years. Applications are currently closed; the page does not say whether grants are repayable.

Eligibility requirements

• Must qualify as a Black-mandated (B3) group: Black-led, Black-serving, Black-focused mandate, and community accountable
• Grassroots groups need not be incorporated but must work with a trustee organization
• Established applicants must be incorporated non-profits or registered charities with two recent audited financial statements
• Must be based in Toronto (postal code starting with M) and deliver funded activities in Toronto
• Must be in good standing with the City and not indebted or in default

Not eligible

• Organizations indebted to the City or in default of a prior City grant agreement
• Groups applying to more than one funding stream at a time

How to apply

Apply online through the Toronto Grants, Rebates and Incentives Portal (TGRIP) to one stream; the 2026 call is closed.

Source page last updated: Sep 25, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Programs stream pays up to 50% of eligible costs (max $20,000), events up to 50% (max $10,000), and a three-year operating stream up to 20% (max $100,000).

Eligibility requirements

• Not-for-profit with Toronto-centred entrepreneurship programming
• Programs and Events stream: incorporated at least two years
• Multi-year stream: three or more years, paid staff and revenues of $100,000 to $1 million
• Proof of not-for-profit or charitable status

Not eligible

• For-profit incubators and individual businesses
• Organizations taking equity in the start-ups they support
• Applying to more than one stream per year

How to apply

Not open now; prepare budget, curriculum and status documents for the next round.

Source page last updated: Jul 11, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Toronto not-for-profit community-based organization delivering services for vulnerable people and communities
• Core funding supports day-to-day operations and capacity; program funding supports evidence-informed services
• Currently renewed only for existing funded organizations while the model is redesigned

Not eligible

• New applicants: the application process is currently closed (an open grant call is promised for the future)

How to apply

Application process is currently closed; the City says an open grant call will follow once the redesigned model is ready.

Source page last updated: Aug 7, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Incorporated not-for-profit, or local Indigenous government or equivalent authority
• Business Improvement Areas may apply to the Project stream only
• Has successfully run a prior edition of the festival
• Significant programming mostly free (or under $5 per person) in the public realm
• Festival runs one day to one month, held annually or every two years

Not eligible

• Business Improvement Areas cannot use the annual or multi-year operating streams

How to apply

Applications are closed and reopen in late 2026; questions go to CFFP@toronto.ca.

Source page last updated: Feb 17, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Stream One covers half of costs up to $5,000; Stream Two awards $25,000, with up to $100,000 for legacy projects that add at least $100,000 of their own.

Eligibility requirements

• BIA, not-for-profit, business association or registered charity
• Projects that enhance outdoor dining and drive visits to dining areas
• Stream Two recipients must file final reports by Jan 13, 2027
• Priority to areas with fewer CafeTO curb lanes

Not eligible

• For-profit businesses, sole proprietorships, partnerships and corporations
• Projects eligible under other City BIA incentive programs
• Projects outside Toronto

How to apply

Not open now; questions to DiningDistrict@toronto.ca.

Source page last updated: Jun 30, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Up to $17,000 in project funding for youth-led projects of up to one year, plus up to $2,000 extra for accessibility costs (not guaranteed). The program is currently closed.

Eligibility requirements

• Youth-led group with at least three youth aged 15 to 29, and majority youth leadership
• Based in Toronto, with project activities running in Toronto
• Non-profit or grassroots group; unincorporated groups can apply but need a trustee if funded
• Makes decisions independently of other community organizations
• Project advances priorities such as community safety, mental health, skills, arts or youth spaces

Not eligible

• Political activity (not eligible for funding)
• More than one application per group

How to apply

Register on the Toronto Grants, Rebates and Incentives Portal (TGRIP) and submit the INI application; the intake is currently closed.

Source page last updated: Sep 16, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

$5,000 per resident-led group; compensation for the project team is limited to $1,500.

Eligibility requirements

• Resident-led group of at least three members from different households, all Toronto residents
• Group lead identifies which Toronto Strong Neighbourhoods Community Network they live in
• New project (not an existing program) tied to one of five neighbourhood strategy domains
• Free, in-person public event within the lead's network area
• Completed within six weeks, between May 1 and December 31, 2026
• Group in good standing with the City, with prior-year funding fully reported

Not eligible

• Individuals and groups with fewer than three members or all in one household
• Non-profits, registered businesses, corporations, political parties and BIAs
• Sports clubs and sport organizations
• Schools, daycares, hospitals, grant-making bodies and religious groups without clear separation

How to apply

Currently closed; groups apply through a Toronto Grants, Rebates and Incentives Portal (TGRIP) account.

Source page last updated: Aug 7, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Three options: a conditional contribution of up to 20% of eligible costs (max $400,000); that same contribution plus a loan of up to 30% of costs (loan limit $600,000); or a loan alone covering up to 50% of costs (max $1,000,000).

Eligibility requirements

• Existing business growing its operations in Northern Ontario
• Business must be located within the eligible Northern Ontario region
• Business owners must work full-time in the business
• One Grow application at a time; reapply in one later round if unsuccessful
• Competitive rounds with business plan deadlines April 30, July 31, October 31 and January 31

Not eligible

• Retail and consumer service businesses earning revenue mainly from individuals
• Accommodation and food service businesses, and beverage alcohol manufacturers
• Working capital, ongoing operating costs, land purchase/lease, and refinancing or restructuring
• Developing land or buildings for lease or sale

How to apply

Apply through the NOHFC online portal (myportal.nohfc.ca) by a round deadline; the board makes the final decision.

Source page last updated: Jan 21, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Support of up to 15% of eligible project costs, mainly as an interest-free loan up to $5 million during the project (up to four years), with up to 30% of the loan (max $500,000) forgivable if targets are met. Grants are limited to special cases, capped at $500,000 for small rural firms and $1.5 million for strategic projects.

Eligibility requirements

• Advanced manufacturing business (e.g., aerospace, automotive, chemical, ICT, life sciences, steel)
• At least three years of operations and financial statements
• At least 10 employees
• Commits to creating at least five new or upskilled jobs
• Invests at least $500,000 in the project, in or moving to an Ontario community

Not eligible

• Ongoing operations, maintenance, capital replacement, refinancing, acquisitions or buyouts
• Restructuring or relocating within Ontario
• Primary production, retail, construction, personal services, consulting, electricity generation, waste management, recycling
• Stacking with other provincial programs

How to apply

Self-screen, consult a provincial advisor, register on Transfer Payment Ontario; current intake closes November 5, 2026.

Source page last updated: Jul 14, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Liquidity support of up to $25 million for forestry manufacturers or $10 million for service companies, with interest-only periods and 36 to 96 month terms. Transformation support of up to $25 million (manufacturers only) with repayment up to 144 months. Available until December 31, 2026 or until the envelope is used.

Eligibility requirements

• Business in the forestry value chain (manufacturers; service companies for liquidity only)
• Must show financial pressure (cash-flow, revenue or EBITDA decline) or tariff exposure
• Viable before tariffs (exception for sawmills)
• Transformation stream requires a transformation plan with projected investments and gains

Not eligible

• Softwood lumber mills or remanufacturers that already used the Softwood Lumber Guarantee Program (barred from the Liquidity stream only)
• Forestry service companies seeking the Transformation stream
• A business that used the forestry liquidity loan cannot also get the Pivot to Grow liquidity loan, and vice versa

How to apply

Apply online with BDC; a representative requests financial statements and tariff-related documents by sub-sector.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Repayable working-capital financing of $250,000 to $50 million at preferential rates. The program is a $1 billion BDC envelope and runs until December 31, 2026 or until the envelope is used up.

Eligibility requirements

• Canadian-based and headquartered commercial entity
• Manufactures steel, aluminium, copper or fabricated products made mostly or entirely of those metals
• Exports to the United States with material exposure to steel, aluminium or copper tariffs
• Annual revenue of $1M or more and 3+ years in operation
• Viable before the tariff measures

Not eligible

• Businesses that cannot show direct negative material impact from U.S. tariffs
• Companies (or affiliates) using Pivot to Grow Liquidity Support (the two liquidity streams cannot be combined)

How to apply

Submit BDC's online loan request; a representative then asks for 3 years of financial statements and tariff-impact documentation.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

A corporation with $200,000 of eligible spending would receive $15,000, with a $45,000 annual maximum.

Eligibility requirements

• Canadian-controlled private corporation throughout the tax year
• Permanent establishment in Ontario
• Invests over $50,000 in a commercial or industrial building (CCA class 1 or 6)
• Property located in one of the designated regions and available for use

Not eligible

• Residential buildings
• Investments outside the designated regions
• Expenditures incurred after Dec 31, 2026

How to apply

Claim on the T2 corporation return; see the technical bulletin for conditions.

Source page last updated: May 4, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Non-repayable grant of 15% of actual eligible capital costs, for a maximum grant of $3,750; combined non-repayable government funding cannot exceed 75% of eligible costs.

Eligibility requirements

• For-profit entity registered and actively operating on Prince Edward Island
• Business is the owner's primary income or employs one person (560+ hours)
• Eligible costs: equipment, leasehold improvements, technology and energy-efficiency upgrades
• Assets bought from unaffiliated, arm's-length vendors, with receipts of $50 or more
• One application per fiscal year (April 1 to March 31)

Not eligible

• Not-for-profit organizations and associations
• Fishers, farmers and realty companies, including landlords and developers
• Banks and financial companies, including payday lenders
• Businesses in default on the Province's Central Default Registry

How to apply

Apply online by March 31, 2027, then claim payment with invoices by May 31, 2027.

Source page last updated: May 19, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Income support goes to workers, not employers: waiting week waived and separation payments (such as severance or vacation pay) not treated as earnings for benefit periods starting Oct 11, 2026 to Oct 9, 2027; 20 extra weeks for long-tenured workers whose benefit period starts Oct 11, 2026 to June 12, 2027.

Eligibility requirements

• Worker must qualify for EI regular benefits
• Benefit period must begin on or after October 11, 2026 and no later than October 9, 2027
• Extra 20 weeks only for long-tenured workers with benefit periods starting by June 12, 2027

Not eligible

• Employers seeking a direct grant (see Work-Sharing and the Worker Retention Grant)

How to apply

Workers apply for EI through Service Canada; employers issue Records of Employment as usual.

Source page last updated: Oct 7, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Reimburses the employer for a top-up supplement paid to Work-Sharing employees on training, plus the employer's EI premiums and CPP contributions on it. The amount depends on employee count, duration and hours reduction rate; no fixed cap is stated. A proposed successor program (WRRP) would offer up to $1,000 per participant but is not yet in place.

Eligibility requirements

• Employer in any sector with an approved and implemented Work-Sharing agreement
• Commits to training opportunities for participating employees
• Participating employees are EI-eligible and working reduced hours while on training
• Grant period cannot exceed the remaining Work-Sharing agreement or go beyond March 31, 2028

How to apply

Apply online through GCOS with the completed Excel grant calculator, February 16, 2026 to December 31, 2027.

Source page last updated: Sep 4, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Refunds 100% of the municipal property-tax increase from an approved development for five years (temporarily raised from 60%; applications must arrive before Dec 31, 2027). Can pair with brownfield tax assistance for up to seven years; funded by a budget cap, first-come-first-served.

Eligibility requirements

• Building must be used by an eligible sector, such as manufacturing, biomedical, creative industries or scientific R&D
• At least $3 million in building construction costs for eligible uses
• Must add at least 500 sq m of eligible floor area (1,000 sq m for substantial industrial renovations)
• Applicant must own the property or have owner's written authorization, and apply before the first above-grade building permit
• Must meet Toronto Green Standard and a community workforce hiring target

Not eligible

• Residential units
• Retail operations or warehouse clubs under food and beverage wholesaling
• Patient health care uses such as clinics, doctors' offices, diagnostic labs or hospitals

How to apply

Meet program staff first (incentives@toronto.ca or 416-392-0466); the program manager then provides the application and document list.

Source page last updated: Jul 14, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable BDC financing of up to $5 million per stream (liquidity, pivot, equipment), with a stated overall cap of $10 million per support program. Terms include interest-only periods of 24 to 36 months and repayment of up to 84 to 168 months depending on stream.

Eligibility requirements

• Canadian-based business with annual revenue of $1M or more
• In business at least 3 years with historically positive cash flow
• At least 15% of sales from U.S. exports (or revenue down or costs up 10% for pivot/equipment streams)
• Viable before tariffs and able to show negative tariff impact
• Resilience plan required for pivot and equipment streams

Not eligible

• Holders of Steel and Aluminum, Forestry Liquidity or Softwood Lumber Guarantee loans are ineligible for the liquidity stream

How to apply

Submit business and tariff-impact information to BDC, discuss with a representative by phone, then receive a loan offer if approved.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Non-refundable 45% credit for investors in eligible businesses, with a maximum of $225,000 per annual investment and a $140,000 yearly claim cap; credits carry forward seven years. Businesses may raise up to $4 million, and $7 million of credits are available each year, first-come, first-served.

Eligibility requirements

• Saskatchewan-based business with 5 to 49 employees, at least half living in Saskatchewan
• Food and beverage, machinery or transportation equipment manufacturing
• Investors commit at least $50,000 (corporations) or $25,000 (individuals)
• Investment held for at least three years
• Three-year pilot from July 1, 2025 to June 30, 2028 under 2025 Chapter 19

How to apply

Business registers on the SMEITC online portal, gets eligibility certificate, raises equity, then applies for investor tax credit certificates.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Eligible major office developments can receive tax increment equivalent grants for up to 10 years, offsetting increased property taxes. No percentage or dollar cap is shown on the page read.

Eligibility requirements

• Major office development located in Peel (Brampton, Caledon or Mississauga)
• Aims to bring large office developments and stable, high-quality jobs to Peel

How to apply

Program details and application steps sit in a collapsed section not captured; program accepts applications until June 30, 2031.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Covers half of eligible project costs up to $75,000, from a pool of up to $2 million.

Eligibility requirements

• Fewer than 100 employees at the project location
• Project modernizes food safety systems or adopts traceability equipment, technology or standards
• Facility handles eligible products such as ready-to-eat plant foods, meat, dairy or plant-based alternatives
• One application per applicant

Not eligible

• Ready-to-eat meals, prepared meals and meat-containing meal kits
• Projects already funded through Sustainable CAP

How to apply

Complete the application form, attach third-party quotes, and email it to SustainableCAP1@ontario.ca.

Source page last updated: Oct 1, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Not a grant to the employer: eligible employees get EI income support for the hours lost during a temporary reduced work week (minimum 10% earnings reduction); no dollar rates are stated. A proposed successor program (WRRP), announced but not yet in force, would add up to $1,000 per participant.

Eligibility requirements

• Temporary drop in normal business activity that is beyond the employer's control
• Employer, employees and any union must all agree to a reduced schedule and equal sharing of work
• Agreements last 6 to 26 weeks, extendable by up to 12 weeks
• Tariff special measures (to March 31, 2028): operating in Canada 1+ year and at least 2 EI-eligible employees
• Tariff measures also cover non-profits, charities and seasonal or cyclical employers

Not eligible

• Employers must serve a cooling-off period after an agreement ends (waived under tariff special measures)
• Work shortages caused by labour disputes, cyclical slowdowns or restructuring need extra explanation on the form
• Retroactive start dates (agreements must start on a Sunday)

How to apply

Apply online via Grants and Contributions Online Services (GCOS), or by email/mail to your regional unit with forms EMP5100, EMP5101.

Source page last updated: Sep 4, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Corporate income tax credit on eligible buildings and manufacturing/processing equipment, with up to $20 million of eligible spending per year. For CCPCs it is refundable at 15% (up to $3 million a year) from May 15, 2025; non-CCPCs get a 15% non-refundable version (also up to $3 million). The page says the amendments were implemented November 27, 2025, and the credit is repealed from January 1, 2030.

Eligibility requirements

• Corporation carrying on business in Ontario through a physical permanent establishment
• Refundable OMMITC: Canadian-controlled private corporation throughout the taxation year
• Expanded non-refundable version: corporations that are not CCPCs
• Not exempt from Ontario corporate income tax
• Investment in Class 1 buildings or Class 53 (or 43) manufacturing equipment, available for use in Ontario

Not eligible

• Spending incurred after December 31, 2029
• Property disposed of, converted from manufacturing use or removed from Ontario within five years triggers repayment of the credit

How to apply

Claim on the T2 corporation income tax return; CRA administers the credit for Ontario.

Source page last updated: Mar 23, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

A tax deduction, not a grant: first-year CCA is enhanced (up to 3x normal, reduced to 2x for property available for use 2024-2027). Class 53/43.1/43.2 full expensing starts at 100% and phases down to 55% for 2026-2027 property. Total lifetime deductions are unchanged.

Eligibility requirements

• Property acquired after November 20, 2018 and available for use before 2028
• Class 53: machinery used mainly in manufacturing or processing goods in Canada, acquired after 2015 and before 2026
• Class 43.1/43.2: specified clean energy equipment
• Class 43 property acquired after 2025 qualifies only if it would have been Class 53 in 2025

Not eligible

• Property acquired from a non-arm's length person or on a tax-deferred rollover
• Property on which CCA or a terminal loss was claimed by a prior owner who was related
• Classes 54, 55 and 56, and the additional allowance for Class 41.2 mining property

How to apply

Claim through CCA on your tax return (T2, T1 business statements); no separate application is described.

Source page last updated: Jul 21, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Individual entrepreneurs may receive up to $99,999 and eligible Indigenous community businesses up to $250,000, depending on scope, need and budget.

Eligibility requirements

• Indigenous individuals, including businesses owned and controlled by Indigenous Peoples (First Nations, Inuit or Metis)
• Indigenous organizations and associations (except those with charitable or religious purposes)
• Funding goes to starting, expanding or acquiring a business
• Amount depends on proposal scope, demonstrated need and estimated budget
• Eligibility varies by lender, so confirm with your local institution

Not eligible

• Indigenous organizations and associations with charitable or religious purposes
• Applicants who do not meet their local lender's criteria

How to apply

Contact your local Indigenous Financial Institution or Metis Capital Corporation directly.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

A non-refundable investment tax credit worth 10% of eligible wages paid to eligible apprentices, capped at $2,000 per year per apprentice. Unused credit can be carried back 3 years and forward 20 years.

Eligibility requirements

• Must be an employer hiring an eligible apprentice
• Apprentice works in a prescribed trade (trades currently listed as Red Seal Trades)
• Apprentice is within the first two years of the apprenticeship contract
• Contract registered with a federal, provincial or territorial government under a certifying or licensing program

How to apply

Claim on the tax return: individuals file Form T2038(IND) at line 41200; corporations use Schedule T2SCH31.

Source page last updated: Jul 27, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable working-capital loans of $25,000 to $500,000, issued and managed by a partner bank or credit union with BDC guaranteeing the loan.

Eligibility requirements

• Business based in Canada
• At least 12 months in operation
• Revenue under $10 million
• Needs a working-capital loan between $25,000 and $500,000
• Partner institution must be the primary lender

Not eligible

• Direct applications to BDC are not accepted; must go through a partner lender

How to apply

Contact a participating partner bank or credit union; it checks eligibility, processes and manages the loan.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable financing at preferential rates plus discounted BDC advisory services. Financing can include installation and integration costs. BDC does not publish a maximum loan amount.

Eligibility requirements

• Digital transformation and AI path: Canadian-based business with at least $1M annual revenue, most industries
• Digital/AI path requires a BDC Advisory Services AI or digital plan
• Equipment path: at least $5M annual revenue in manufacturing, transport and warehousing, wholesale, construction, agriculture/forestry/fishing, engineering services or mining/oil and gas
• Equipment path requires a productivity plan
• Preferential terms apply when technology is supplied or integrated by Canadian suppliers

Not eligible

• Some excluded industries for the AI path, including premises suppliers, hotels and trucking firms with fewer than 10 vehicles
• Equipment path outside the listed sectors

How to apply

Start an online request with BDC, speak with an advisor, then apply for financing.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Repayable term loans: Small Business Loan up to $350,000 (faster tier to $100,000; flexible tier above that, with amortization up to 8 years) and Start-up Financing up to $150,000. Interest-only periods of up to 6 to 12 months are offered, subject to conditions.

Eligibility requirements

• Business located in Canada
• Small Business Loan: currently profitable, 24+ months in business, personal credit score 600 or higher
• Revenue of at least $100,000 for the faster tier, or $250,000 for the larger tier
• Start-up Financing: operating at least 12 months and generating revenue
• Meeting criteria does not guarantee approval

How to apply

Apply online through BDC; start-up requests are followed by a call from a BDC representative.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable term loans with no fixed dollar cap stated; amount is set from operating needs and cash flow. The equipment loan can finance up to 125% of purchase price, with interest-only payments for up to 24 months and repayment over up to 12 years (working capital: up to 8 years).

Eligibility requirements

• Based in Canada
• Generating revenue for 12 months or more
• Currently generating revenue
• Good credit track record
• Working capital: inventory, hiring, marketing or expansion; equipment: new or used machinery, hardware or vehicles

How to apply

Submit an online loan request, then a BDC representative calls to discuss documents and a tailored offer.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable loans of up to $250,000. FACE can lend up to $100,000 directly; amounts above that are risk-shared with BDC. A pilot microloan stream ($10,000 to $25,000) ended March 31, 2025.

Eligibility requirements

• Applicant self-identifies as Black or Black-led (more than 51% Black Canadian ownership)
• Canadian citizen, permanent resident, or entity owned and controlled by Canadian citizens
• Applicant at least 18 years old
• For-profit start-up or existing small business (corporation, sole proprietor or for-profit social enterprise)
• Business plan, business registration, and recent financials (or projections for start-ups)

Not eligible

• Not-for-profit organizations
• Loans cannot fund goodwill, restructuring of conventional business debt, dividends, shareholder loan repayment, or bonuses

How to apply

Apply through the FACE online loan portal; FACE is the entry point and BDC shares underwriting.

Source page last updated: Jan 30, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Improves access to credit: loans up to $500,000 for land and buildings or $350,000 for other purposes, with a federal guarantee behind the lender.

Eligibility requirements

• Farm operations establishing, improving or developing a farm
• Agricultural co-operatives processing, distributing or marketing farm products
• Loan is issued by a lender under the program
• Land and building loans capped at $500,000; other purposes at $350,000

Not eligible

• Loans above the aggregate limits for the borrower type

How to apply

Apply to a participating lender; the program page lists eligibility and application steps.

Source page last updated: Oct 3, 2022. Checked against the official page on Oct 9, 2026.

What you could receive

An apprentice can borrow up to $4,000 interest-free per technical-training period, with no payments or interest until they finish or leave training.

Eligibility requirements

• Apprentice pursuing a designated Red Seal trade
• Residing in a province or territory other than Quebec
• Funds can cover tuition, tools, equipment, living costs or forgone wages

Not eligible

• Employers (the loan is made to the apprentice)
• Apprentices in Quebec, which has its own alternate support

How to apply

Apply online through the Canada Apprentice Loan Online Service.

Source page last updated: Jun 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Stream 2 (capital maintenance) offers non-repayable funding requests of $5 million to $30 million for up to two years, first-come first-served on continuous intake. Stream 1 primarily targets projects with eligible costs above $20 million and federal requests of $10 million or more.

Eligibility requirements

• Incorporated or registered in Canada (for-profit or not-for-profit) and carrying out business in Canada
• Stream 2: at least 10 FTE employees and at least $20 million annual revenue
• Stream 2: average capital spending of at least $5 million a year over the last three fiscal years
• Stream 2: direct or indirect impact from U.S. Section 338 tariffs (e.g. wood/paper, plastics, machinery, electrical, furniture, chemicals, food and beverage)
• Stream 1: project in a sector significantly affected by U.S. tariffs (aluminum, automotive, forest products, steel, others)

Not eligible

• Stream 2: costs that are not capital maintenance of existing assets
• Firms below the Stream 2 size thresholds (consider RTRI or BDC programs)

How to apply

Stream 2: submit an expression of interest online. Stream 1: check SRF eligibility and request a consultation; RDAs help with intake and triage.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Refund (drawback) or relief of customs duties and the U.S. surtax on qualifying imports. CBSA says goods may qualify for full relief of surtax when CUSMA criteria are met. Drawback claims are generally due within 4 years (5 years for destroyed goods) of import.

Eligibility requirements

• Importer with a valid BN15 importer program account
• Imported commercial goods later exported in the same condition, or used up in making goods for export
• Obsolete or surplus imported goods that are destroyed may also qualify
• Exports to the U.S. or Mexico are subject to CUSMA restrictions (Memorandum D7-4-3)

Not eligible

• Goods sold into the Canadian domestic market
• Claims filed after the time limit (generally 4 years from import)

How to apply

File a drawback claim with supporting documents in the CBSA CARM Client Portal; for upfront relief, apply for a Duties Relief Program licence.

Source page last updated: Apr 3, 2025. Checked against the official page on Oct 13, 2026.

What you could receive

Refundable tax credits. For the Clean Technology ITC, the rate can reach 30% of capital cost for property available for use from March 28, 2023 to end of 2033, dropping to up to 15% in 2034. Rates for the other four credits were not shown on the pages reviewed.

Eligibility requirements

• Taxable Canadian corporation (including as a partnership member) or a REIT mutual fund trust
• Investment in new qualifying clean technology property in Canada (other credits cover CCUS, hydrogen, manufacturing, electricity)
• Property available for use within the credit's date window (Clean Technology: March 28, 2023 to December 31, 2034)
• Electing to meet labour requirements avoids the reduced credit rate

Not eligible

• Claiming more than one Clean Economy ITC on the same property

How to apply

Claim on the corporate income tax or trust return; CRA administers claims and NRCan gives technical guidance on property.

Source page last updated: May 15, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Loans of up to $150,000 to start or grow a business, with counselling and business support available from the same office.

Eligibility requirements

• Business located in Northern Ontario or a rural area of Southern or Eastern Ontario
• Start-up, expansion or stabilization plan that maintains or creates jobs
• Services and criteria vary by local CFDC, so call ahead

How to apply

Contact your local CFDC through Community Futures Ontario.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Government-backed loans delivered by banks and credit unions: up to $1,000,000 for term loans (of which no more than $500,000 for equipment/leasehold improvements, and $150,000 for intangibles and working capital) plus up to $150,000 in lines of credit, for a $1.15 million maximum per borrower. Repayable; a 2% registration fee applies.

Eligibility requirements

• Small business or start-up operating in Canada
• Gross annual revenues of $10 million or less
• Term loans can fund land, buildings, equipment, leasehold improvements and some intangibles
• Lines of credit fund day-to-day working capital

Not eligible

• Farming businesses (directed to a separate agricultural loans program)

How to apply

Apply to a bank, caisse populaire or credit union; the lender decides and registers the loan with ISED.

Source page last updated: Jun 22, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Export Guarantee Program gives your lender guarantees with total coverage capped at US$25 million so it can extend more working capital; fees vary by credit rating, term and amount. The Trade Impact Program commits up to $5 billion in financing and insurance capacity, including a $700-million direct-financing envelope, and is not a grant or subsidy.

Eligibility requirements

• Canadian exporters, or companies supplying exporters, facing tariff pressure (Trade Impact Program)
• Working with a financial institution that can take an EDC guarantee
• EDC and your lender review international sales, the lending agreement and other criteria
• Export Guarantee Program suits complex export finance structures

How to apply

Contact EDC or your financial institution; EDC reviews fit, then finalizes the guarantee with your lender.

Source page last updated: Sep 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Interest-free repayable contributions, normally requested at $125,000 to $10 million per project, covering normally up to 50% of eligible costs. Repayment normally starts a year after project completion with no early-repayment penalty.

Eligibility requirements

• For-profit business, co-operative or Indigenous business located and operating in southern Ontario
• Between 5 and 500 full-time-equivalent employees
• Incorporated and registered in Canada or Ontario for at least 3 years
• Project to commercialize new products, boost productivity or scale into new markets
• Matching funds of 50% or more identified at application

Not eligible

• Costs incurred before the application date
• Land and buildings, basic and applied R&D, and refinancing of existing debt
• Basic research activities

How to apply

Apply to FedDev Ontario (page says it is accepting applications); a contribution agreement is signed on approval.

Source page last updated: Jul 28, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Liquidity assistance is non-repayable up to $2 million (maximum 50% of costs, up to 12 months, ending by Mar 31, 2028). Pivot projects get non-repayable funding up to $1 million (50% of costs) or repayable funding above $1 million (up to 75%), completed by Mar 31, 2029. Combined non-repayable funding is capped at $3 million and total funding at $20 million including repayable amounts.

Eligibility requirements

• Incorporated for-profit business in southern Ontario
• At least $1 million revenue in one of the last two fiscal years
• Viable before tariffs
• Tariff impact shown (for example 25% or more of revenue from goods ultimately exported to the U.S.)
• Not-for-profits that support businesses may also apply (not for their own liquidity)

Source page last updated: Sep 24, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Liquidity assistance is non-repayable up to $2 million (up to 50% of eligible costs, up to 12 months). Pivot projects get non-repayable funding up to $1 million (50% of costs) or repayable funding above $1 million (up to 75% of costs); combined cap is $3 million non-repayable and $20 million in total including repayable.

Eligibility requirements

• Incorporated for-profit business located and operating in Northern Ontario
• At least $1 million annual revenue in one or both of the last two fiscal years
• Business was viable before March 21, 2025
• Must show direct or indirect impact from U.S. tariffs or countermeasures (e.g., 25%+ of revenue from U.S. exports)

Not eligible

• Governments, their agencies and Crown corporations
• Not-for-profits seeking liquidity support for their own operating expenses
• Businesses unable to demonstrate direct or indirect tariff exposure

How to apply

One-phase application through the FedNor self-service client portal; officers can discuss projects first.

Source page last updated: Sep 8, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable, equity-free loan of up to $75,000 combined (up to $25,000 from Futurpreneur plus up to $50,000 from BDC), paired with up to two years of mentorship. Terms run over five years with interest-only payments in year one; a 1% management fee applies to the Futurpreneur portion.

Eligibility requirements

• Canadian citizen or permanent resident aged 18 to 39 at the time of full application
• Demonstrated training or experience in the relevant industry
• Business is at pre-startup or startup stage (less than a year of significant sales)
• Not an agent or contractor working for another existing business
• Complete business plan and 24-month cash flow submitted

Not eligible

• Applicants aged 40 or older
• Businesses still in the idea or R&D phase
• Mentorship or financing offered separately (the two come together)

How to apply

Submit the sign-up form, then apply in the MyFP portal with a business plan and 24-month cash flow.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable loans on commercial terms from a $10 billion facility. The official factsheet says there is no minimum loan amount. Support covers up to 36 months of liquidity needs. A longer maximum term of 15 years was announced in August 2026, but the official factsheet still says up to 10 years, so confirm before relying on it.

Eligibility requirements

• Significant operations or workforce in Canada
• Annual Canadian revenue of about $150 million or more
• Affected by actual or potential U.S. tariffs or Canadian countermeasures
• Cannot obtain sufficient financing from traditional market sources
• Must commit to minimizing job losses and show a plan to return to financial stability

Not eligible

• Companies already in insolvency proceedings before the crisis began
• Small and medium-sized businesses (see BDC and RDA programs instead)

How to apply

Submit an enquiry form to CEEFC (via the CEEFC website or by email); qualifying applicants receive an NDA and application form.

Source page last updated: Sep 18, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Standard model: partner contribution starting at $7,500 per 4- or 6-month internship (page chart shows $5,000 or $7,500) unlocks a $15,000 research award; postdoc units need $10,000 for a $20,000 award. Projects can scale up to 5 years.

Eligibility requirements

• Partner organization can be a for-profit corporation, not-for-profit, hospital, municipality or Indigenous government
• Intern is an actively registered student or postdoc, supervised by an eligible academic
• Intern must receive at least $10,000 of the award as stipend or salary
• For-profit partners contribute private-sector funds to Mitacs

Not eligible

• Recent graduates are not currently supported on the application portal (confirm with Mitacs or your institution)

How to apply

Work with a Mitacs business development contact and academic supervisor; Mitacs reviews the final submission.

Source page last updated: Oct 6, 2026. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Incorporated, for-profit business operating in Canada
• Up to 500 full-time equivalent employees
• Developing technology-driven products, services or processes

Not eligible

• Unlimited liability or limited liability companies, sole proprietorships, partnerships and cooperatives
• Day-to-day operating costs or work done outside Canada

How to apply

Call NRC IRAP toll-free at 1-877-994-4727 to learn more; the page gives no application steps.

Source page last updated: Jan 8, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

IRAP may provide funding and advisory support for AI R&D projects, in some cases. The NRC pages do not state award amounts or intake dates.

Eligibility requirements

• Must meet NRC IRAP minimums: incorporated, for-profit, operating in Canada, up to 500 FTEs
• Project develops or adapts generative AI or deep-learning technology into core products or services
• Existing IRAP clients contact their industrial technology advisor; others call 1-877-994-4727

Not eligible

• Sole proprietorships, partnerships, cooperatives, ULCs and LLCs (IRAP general rule)
• Non-technical or purely commercial activities (IRAP general rule)

How to apply

Call NRC IRAP at 1-877-994-4727, or contact your existing industrial technology advisor.

Source page last updated: Oct 22, 2024. Checked against the official page on Oct 13, 2026.

What you could receive

Proposed tax deduction (not enacted; draft legislative proposals only): immediate expensing, meaning the full cost of eligible depreciable property could be written off in the year it becomes available for use. Roughly two-thirds of capital investment would qualify; assets not covered keep the Accelerated Investment Incentive.

Eligibility requirements

• Proposed for most depreciable property acquired on or after September 15, 2026
• Covers capital property under the CCA rules plus Canadian development expenses incurred from that date
• Used property qualifies only if neither taxpayer nor related party owned it before, and no rollover acquisition
• Manufacturing and processing buildings keep temporary immediate expensing under the Budget 2025 Super-Deduction

Not eligible

• Class 1 and 3 buildings, Class 14, 14.1 and 51 property, and certain Class 10 and 10.1 vehicles
• Property depreciated under Schedules V and VI of the Income Tax Regulations
• Individuals and partnerships with individual members face limits on creating or increasing losses

How to apply

Proposed claim through CCA on the tax return once legislated; no application is described.

Source page last updated: Sep 15, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

A reduced federal tax rate, not a grant. The deduction is 19% of the least of active business income, taxable income, or the business limit (up to $500,000 for a corporation with no associated corporations), which this 2025 guide says gives a 9% federal rate.

Eligibility requirements

• Canadian-controlled private corporation (CCPC) throughout the tax year
• Income from an active business carried on in Canada
• Business limit is shared among associated corporations and prorated for short tax years
• Limit shrinks with taxable capital of $10 million to $50 million and passive income of $50,000 to $150,000

Not eligible

• Corporations with taxable capital employed in Canada of $50 million or more
• Business limit falls to nil when combined passive income exceeds $150,000
• Income from a specified investment business or personal services business, unless exceptions apply (such as more than five full-time employees)

How to apply

Claim automatically on the T2 return (line 430, with Schedules 7 and 23 where relevant); no separate application.

Source page last updated: May 28, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Enhanced 35% investment tax credit on qualified SR&ED spending up to the expenditure limit ($6 million for tax years beginning after December 15, 2024; $3 million before), with 15% earned above the limit. For most CCPCs the credit on current spending is fully refundable, and the capital-spending credit is 40% refundable.

Eligibility requirements

• Corporations, individuals, trusts and partners in partnerships can earn the credit
• Most CCPCs earn the refundable enhanced 35% rate
• Eligible Canadian public corporations qualify for tax years beginning after December 15, 2024
• CCPC limit shrinks as prior-year taxable capital rises from $15 million to $75 million
• Other corporations earn a 15% non-refundable credit

Not eligible

• Partnerships cannot claim the credit themselves; it is allocated to partners
• Capital expenditures made before December 16, 2024 cannot be claimed

How to apply

Calculate the credit on Form T2SCH31 (corporations) or T2038-IND (individuals) and file it with your SR&ED claim.

Source page last updated: Apr 1, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Not money in itself: gives advance certainty that a project qualifies for SR&ED credits (35% enhanced federal ITC on up to $6 million for qualifying CCPCs). CRA says a decision is targeted within eight weeks.

Eligibility requirements

• Canadian-controlled private corporation, other Canadian corporation, or partnership
• Gross business income under $25 million
• In good standing with the CRA
• Project not already claimed in a previous tax year and not involved in litigation

Not eligible

• Businesses with gross business income of $25 million or more
• Projects already claimed in a prior year

How to apply

Request a case number from CRA, complete the application, and submit it in My Business Account.

Source page last updated: Apr 1, 2026. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Large-scale, transformative projects in key sectors such as steel, aluminum, automotive, forest products, AI and advanced technologies
• Priorities: tariff response, large-scale R&D and innovation, and the AI Compute Challenge
• Project requirement sub-page (still labelled Strategic Innovation Fund) says for-profit and not-for-profit organizations may apply
• Two project categories: Business Innovation and Growth, and Collaborations and Networks
• Applicants must check eligibility before requesting a consultation

How to apply

Check eligibility online, request a consultation, then start the application; a food-security call for proposals was recently launched.

Source page last updated: Sep 9, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Wage subsidies of up to $5,000 for every student placement opportunity an employer offers through the program. Subsidies are paid via funded delivery partner organizations, not directly by the federal government.

Eligibility requirements

• Employer offering a quality work placement to a post-secondary student (co-op, internship, practicum, mentorship)
• Placement is paid and related to the student's field of study
• Applications go through one of the listed sector or regional delivery partners, available year-round

How to apply

Apply year-round through one of 18 listed delivery partners (e.g., Technation, ECO Canada, Ontario Chamber of Commerce).

Source page last updated: Apr 1, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Relief of the 15%, 25% or 50% counter-tariff surtax on specific U.S. goods, granted case by case by Order in Council. Remission is an exception, granted only for exceptional and compelling circumstances.

Eligibility requirements

• Company registered in Canada
• Goods used as inputs cannot be sourced from Canada or reasonably from non-U.S. suppliers, or other exceptional circumstances with severe economic impact
• Submission must follow Finance Canada's template (business number, tariff items, import volumes, sourcing evidence, cost breakdown)

Not eligible

• Requests without evidence of inability to source from Canadian or non-U.S. suppliers
• Goods already covered by the United States Surtax Remission Order (2025) do not need a new request

How to apply

Email a completed submission to remissions-remises@fin.gc.ca with 'U.S. Remission' in the subject line.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Loans of up to $50,000 to start or grow a business, delivered through selected organizations. The government committed $55 million in Budget 2021, plus $12 million in March 2025 and $59 million in June 2026.

Eligibility requirements

• Women entrepreneurs starting or growing a business
• Apply to a delivery organization serving your province or territory
• Delivery organizations decide whether your business qualifies
• NACCA serves Indigenous entrepreneurs through Indigenous financial institutions

How to apply

Apply directly to a delivery organization (WEOC, NACCA, Nventure, Evol) serving your province; they are accepting applications.

Source page last updated: Sep 29, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Refundable credit of 20% of qualified expenditures paid to an eligible research institute for SR&ED done in Ontario, on up to $20 million a year, for a maximum credit of $4 million a year. Can be claimed alongside the Ontario Innovation Tax Credit.

Eligibility requirements

• Carries on business through a permanent establishment in Ontario
• Not exempt from corporation income tax
• Eligible contract (after May 6, 1997) with an eligible research institute performing SR&ED in Ontario
• Corporation can exploit the results; spending is a cash current expenditure eligible for the federal ITC
• Not connected to the research institute (e.g. institute holding over 10% of votes or value)

Not eligible

• Payments in kind
• Corporations connected to the research institute
• Research performed outside Ontario

How to apply

Claim on T2 Schedule 568 and file Schedule 569 for each eligible contract with the corporate return.

Source page last updated: Nov 27, 2024. Checked against the official page on Oct 13, 2026.

What you could receive

Covers eligible third-party training costs up to $10,000 per trainee; employers with under 100 staff pay at least one-sixth, and previously unemployed new hires can be funded up to $15,000 with no required employer share. Employers with 100 or more staff have half of training costs covered.

Eligibility requirements

• Private or non-profit employer with an Ontario location operating there at least one year
• Trainees are Ontario residents (citizens, permanent residents or protected persons) employed by the applicant
• Training delivered in Ontario by an eligible third-party provider in business two or more years
• Training finishes within 52 weeks of its start
• Workplace injury and general liability insurance required
• Currently accepting applications of 25 or fewer trainees

Not eligible

• Government bodies and designated broader public sector organizations
• Training for business owners or self-employed individuals
• Apprentice training and training longer than one year
• Contractors, volunteers and temporary foreign workers as trainees

How to apply

Submit the online application; accepted year-round and assessed on an ongoing basis; one application at a time.

Source page last updated: Aug 31, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

30% of eligible wages if prior-year payroll was $400,000 or less, 25% at $600,000 or more, capped at $3,000 per placement and refundable.

Eligibility requirements

• Corporation or unincorporated business with an Ontario permanent establishment subject to Ontario corporate or personal income tax
• Student enrolled in a qualifying co-op program at an eligible Ontario institution (Ontario university or college of applied arts and technology, Michener Institute, OCAD University or Redeemer University College)
• Placement of at least 10 consecutive weeks (or 8-16 consecutive months for internship programs)
• Student is paid, supervised and evaluated by the employer
• Placement developed or approved by the school, with a certification letter

Not eligible

• Unpaid placements
• Placements not tied to a qualifying co-op program
• Wage amounts reduced by other government assistance

How to apply

Claim on Schedule 550 with the T2, or Form ON479 if unincorporated; keep the school's letter 7 years.

Source page last updated: Nov 12, 2025. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Aimed at foreign and domestic companies looking to establish or expand operations and create jobs in Ontario
• Services include site selection, market intelligence, permit coordination and help identifying financing
• Invest Ontario Fund and Critical Minerals Processing Fund are mentioned, but criteria are not on this page

How to apply

Submit the Engage our Experts form; an investment advisor responds within 2 business days.

Source page last updated: Dec 12, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Refundable credit of 8% on qualified Ontario R&D spending (tax years starting after May 31, 2016), on an expenditure limit of $3 million, for a maximum credit of $240,000. The limit shrinks when prior-year federal taxable income exceeds $500,000 (gone at $800,000) or taxable capital exceeds $25 million (gone at $50 million).

Eligibility requirements

• Corporation with a permanent establishment in Ontario
• Carries out scientific research and experimental development in Ontario during the year
• Eligible for the federal section 127 investment tax credit
• Has filed federal Form T661 for the tax year
• Not exempt from corporation income tax

Not eligible

• Capital expenditures made after 2013 do not count as qualified spending
• Qualified spending is reduced by assistance received and contract payments

How to apply

Claim on Schedule 566 filed with the T2 corporation return; CRA administers the credit for Ontario.

Source page last updated: Nov 27, 2024. Checked against the official page on Oct 9, 2026.

What you could receive

A non-refundable credit of 3.5% on eligible SR&ED expenditures performed in Ontario, for tax years starting after May 31, 2016 (prorated for years straddling June 1, 2016). It only reduces Ontario corporate income tax payable; unused credit carries back 3 years and forward 20 years.

Eligibility requirements

• Corporation with a permanent establishment in Ontario
• Carries on scientific research and experimental development in Ontario during the year
• Eligible for the federal section 127 investment tax credit
• Not exempt from corporation income tax
• Filed federal Form T661 SR&ED claim for the tax year

Not eligible

• Corporations exempt from corporation income tax
• Expenditures not qualifying federally or not attributable to an Ontario permanent establishment

How to apply

Claim on Schedule 508 filed with the T2 corporation income tax return; CRA administers the credit.

Source page last updated: Nov 27, 2024. Checked against the official page on Oct 9, 2026.

What you could receive

A grant of up to $5,000, plus free advisor guidance, workshops and mentoring. The applicant must contribute cash or in-kind value of at least 25% of the grant amount; repayment is not mentioned.

Eligibility requirements

• Age 18 or older
• Ontario resident and Canadian citizen or permanent resident
• Not attending school full-time or returning to school
• Starting, expanding or buying a business in Ontario
• Able to contribute at least 25% of the grant in cash or in kind

Not eligible

• Full-time students or those returning to school

How to apply

Apply through an Ontario Small Business Enterprise/Advisory Centre (locations listed on ontario.ca).

Source page last updated: Sep 23, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Grants or loans typically covering 10% to 20% of eligible costs, up to $5 million; up to 75% only for projects showing exceptional benefit to Ontario. Loans are interest-free during the project (up to two years), usually repaid over four years, with up to 30% (maximum $1.5 million) forgivable if investment and job targets are met.

Eligibility requirements

• For-profit business (legal entity or limited partnership) registered to operate in Ontario
• At least three years of operations or financial statements
• At least five full-time equivalent active employees
• Project of at least $200,000 finished within two years, with financing in place at start
• Shows U.S. tariff impact, such as a targeted sector or revenue loss around 30% or more

Not eligible

• Not-for-profits, associations and charities
• Sole proprietors, retail, personal-service and consulting firms
• Construction firms providing primary construction services
• Maintenance, refinancing, acquisitions and hospitality projects

How to apply

Complete self-assessment, consult an Ontario Advisor, register on Transfer Payment Ontario, then submit the application.

Source page last updated: Dec 10, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Provincial term loan of at least $250,000 for working capital, repayable over up to 72 months (6 years) with no prepayment penalty. At the province's discretion, interest up to prime and up to 12 months principal-free.

Eligibility requirements

• For-profit business (legal entity or limited partnership) operating in Ontario
• Direct exporter or supply-chain business in a sector hit by s.232 tariffs (steel, aluminum, copper, autos), s.338 tariffs, or a U.S. import ban
• At least $2 million annual revenue and at least 10 full-time employees in Ontario
• At least 3 years of operations and financial statements
• Must have explored and exhausted, or faced barriers to, federal working-capital supports

Not eligible

• Not-for-profits, associations and charities
• Start-ups without a sales or operating track record
• Non-working-capital costs such as property or new equipment
• Refinancing existing loans, acquisitions or buyouts, relocations

How to apply

Complete the province's short eligibility questionnaire; if you screen in, Ontario contacts you about the application and third-party due diligence.

Source page last updated: Sep 29, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Discounts range from about $2 per tube lamp up to $80 for the largest LED high bay fixtures, plus up to $30 for lighting controls.

Eligibility requirements

• Retrofit of existing Ontario commercial, agricultural, industrial, institutional or multi-unit residential buildings and facilities
• Purchase from a participating distributor
• Not already received a Save on Energy discount toward the same lighting products
• Provide the minimum customer contribution per product
• Install within 90 days of purchase

Not eligible

• New construction (only retrofits where less-efficient lighting existed)
• Network lighting controls (handled under the Retrofit program)

How to apply

Buy from a participating distributor; the discount is applied at checkout with your address and business name.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Up to 50% of eligible costs via a prescriptive stream (set incentives) or custom stream (based on verified kWh or kW savings); some constrained areas get a bonus rate.

Eligibility requirements

• Owner or lessee of a commercial, industrial, agricultural, multi-residential or institutional building (municipal buildings, universities, colleges, schools, hospitals)
• Lessees need the owner's consent or authorization
• Project must deliver sustainable, measurable electricity-use reductions
• Process starts with a pre-project application and pre-project approval before installation

How to apply

Sign up for a Retrofit portal account, submit a pre-project application and await approval.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Up to $5,500 of direct-install upgrades at no cost to the business ($3,000 for lighting plus $2,500 for refrigeration and smart thermostat upgrades); further incentives may be available for upgrades beyond those caps per the Eligible Measures List. Eligible small businesses can also enroll in Peak Perks.

Eligibility requirements

• Ontario business with an operating capacity of 50 or fewer employees
• Owns or leases the business space
• Tenants must obtain landlord or building owner consent
• Past Small Business Lighting participants may qualify for top-ups

Not eligible

• Using your own contractor (only qualified Save on Energy contractors install)
• Moving unused lighting dollars to non-lighting upgrades, or the reverse

How to apply

Apply online, call 1-833-825-7283 or email for a free on-site assessment.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

The City pays 50% of eligible improvement costs up to $20,000 per eligible ground-floor unit ($25,000 for corner units on two public streets); a separate graffiti removal grant pays $200 per instance (up to $1,000 a year) and one $1,000 grant covers a CPTED assessment and recommended upgrades.

Eligibility requirements

• Commercial or mixed-use commercial property in a designated district, e.g. Ancaster, Barton Village, Binbrook, Concession, Downtown, Dundas, Locke, Ottawa Street, Stoney Creek, Waterdown, Westdale
• Applicant is the owner, or a tenant with written owner authorization
• Existing completed buildings only; no new construction or additions
• Permanent improvements affixed to the property
• Eligible work includes facades, AODA accessibility and appearance upgrades
• Limited interior mechanical or ventilation work allowed for restaurants

Not eligible

• Temporary upgrades
• Properties outside the designated areas
• New construction or building additions
• Work started before the application is submitted

How to apply

Complete the online application form; questions to ecdevincentives@hamilton.ca.

Source page last updated: Sep 24, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

A toolbox of incentives decided case by case with Council approval: a 10-year tax increment equivalent grant starting at 100% of the City office tax increase and falling 7% a year, a one-time grant matching City development and permit fees, and development charge deferral (standard 5 years). The Downtown plan also allows municipally funded parking and land at or below market value, subject to funding.

Eligibility requirements

• Site lies inside the Downtown Core or Hurontario Growth Area project area
• Project raises office assessment value
• Building of at least three storeys
• At least 2,000 square metres of office space
• Includes transportation demand management measures and property is not in tax arrears

Not eligible

• Costs or fees incurred before the CIP application is submitted
• Applicants in litigation with the City
• Properties in tax arrears
• Combined incentives above the total project cost

How to apply

Pre-application form, staff meeting, then detailed application; no fee. Page cites spring 2030, guide cites February 11, 2031. Timing: Spring 2030 (no exact date given)

Source page last updated: Apr 17, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Aimed at people starting or growing a small business in Mississauga
• Starter Company PLUS: people 18 or older starting, expanding or buying a Mississauga business
• Starter Company PLUS requires confirming eligibility and attending a mandatory info session
• Summer Company: Mississauga students aged 15 to 29 with a business idea

How to apply

Contact MBEC/IDEA Mississauga at 905-615-4460 or via their contact form; programs have separate sign-up pages.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Three non-repayable incentives: a grant for 50% of environmental study costs (max $3,000 for a Phase 1 ESA, $20,000 for other studies, $30,000 per project); an annual tax increment grant of 60% to 100% of the municipal property tax increase for up to 12 years after completion; and a tax assistance program cancelling the property tax increase during remediation.

Eligibility requirements

• Private-sector owner/developer of a brownfield (potentially contaminated, previously developed property) in Oakville
• Environmental Study Grant: up to two studies per project
• Tax Increment Grant and Tax Assistance apply only to properties needing remediation or risk assessment/management
• Pre-application consultation meeting with staff to confirm eligibility, scope and timing

How to apply

Book a pre-application consultation with Town staff (ServiceOakville 905-845-6601, econdev@oakville.ca); then follow each program guide.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Up to 70% loan-to-value (75% for multi-unit residential) and amortization up to 20 years (25 for multi-unit residential), per the page.

Eligibility requirements

• Purchases and refinances of commercial property are covered
• Property types include retail, office, industrial, mixed-use and 5+ unit residential
• Owner-occupied or investor-owned properties
• Amount depends on property lending value and net operating income
• Fixed terms of 1 to 5 years; 7 and 10 years considered

How to apply

Book an appointment with Alterna's commercial team or call 1.877.560.0100.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans from $1,000 to $15,000, per the program page.

Eligibility requirements

• Legal resident of Canada and at least 18 years old
• Work and live in Alterna's service area
• Operate a legal seasonal, full-time or part-time business
• Entering self-employment with income of $50,000 or under
• Interview with microfinance team, business plan or summary, 12-24 month cash flow, photo ID

How to apply

Book an interview with Alterna's Community Microfinance team; bring a business summary or plan.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans from $1,000 to $25,000, per the program page.

Eligibility requirements

• Legal resident of Canada and at least 18 years old
• Work and live in Alterna's service area
• Operate a legal seasonal, full-time or part-time business
• Business is generating revenue
• Interview, business plan with 24-month cash flow, registration documents, two references, photo ID

How to apply

Book an interview with Alterna's Community Microfinance team; prepare a documented business plan.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans from $1,000 to $25,000, per the program page.

Eligibility requirements

• Legal resident of Canada and at least 18 years old
• Work and live in Alterna's service area
• Operate a legal seasonal, full-time or part-time business
• At least 51% women-owned and already generating revenue
• Self-employed with minimal income, under $50,000
• Interview, business plan with 24-month cash flow, registration documents, two references, photo ID

How to apply

Book an interview with Alterna's Community Microfinance team; prepare a business plan and references.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Unsecured working capital advances of $250,000 to $2 million, per the page.

Eligibility requirements

• Established business looking to expand
• Page positions the loan for Alberta entrepreneurs
• Amount from $250,000 to $2 million
• Amortization of three to five years

How to apply

Connect with an ATB business expert through the page or call 1-800-332-8383.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

A revolving credit limit (page metadata cites borrowing up to $120,000) for cash-flow needs, equipment or debt consolidation.

Eligibility requirements

• Approval is subject to BMO's credit-granting criteria.
• Interest rate is set during application and depends on personal credit score.
• Applicants book an appointment and bring ID and tax or income documents.
• Sole proprietors, partnerships and corporations each bring entity-specific documents.

How to apply

Book an appointment at a BMO branch and bring the listed identification and business documents.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans of up to $150,000 under specialized lending criteria; usable for capital investments, working capital and short-term accounts receivable financing.

Eligibility requirements

• Business is more than 50% owned by a Black Canadian.
• Annual revenue is under $10 million.
• Legal resident of Canada, or entity owned and controlled by Canadian citizens.
• Business is a for-profit organization.
• Subject to BMO credit granting criteria.

Not eligible

• Not-for-profit organizations (page requires a for-profit business).

How to apply

Email the BMO program team or book an appointment at a BMO branch.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans of up to $150,000 under specialized lending criteria; usable for capital investments, working capital and short-term accounts receivable financing.

Eligibility requirements

• Business is more than 50% owned by an Indigenous entrepreneur.
• Annual revenue is under $10 million.
• Legal resident of Canada, or entity owned and controlled by Canadian citizens.
• Business is for-profit.
• Available both on and off reserve; subject to BMO credit granting criteria.

Not eligible

• Not-for-profit organizations (page requires a for-profit business).

How to apply

Email the BMO program team or book an appointment at a BMO branch.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Lump-sum financing repaid over a term of 1 to 5 years based on the useful life of the asset; the page states no maximum amount.

Eligibility requirements

• Approval is subject to BMO's credit-granting criteria.
• Funds can be used for equipment, property investment or debt refinancing.
• Term of 1 to 5 years, based on the asset's useful life.
• Bring photo ID, income documents and any trade name or incorporation documents.

How to apply

Book an appointment with a BMO relationship manager and bring the required documents.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Equipment and leasehold loans run from $5,000 to $150,000 (up to 10 years); working capital loans run from $5,000 to $50,000 (up to 60 months). Interest-only for the first 12 months, no early repayment penalty.

Eligibility requirements

• Program is designed for Black entrepreneurs and business owners
• Business plan and financial statements requested during the application
• Applicants need not already bank with CIBC
• Subject to CIBC lending criteria and credit approval
• Personal guarantees may be required from owners

How to apply

Submit the online form; a CIBC Black Entrepreneur Specialist then contacts you.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Credit limits start from $10,000; the approved limit is set per application. Funds can be reused without reapplying.

Eligibility requirements

• Industry experience helps an application
• Owner has personal financial investment in the company
• Revenue exceeding outflows for roughly 12 to 24 months
• Good credit score and a detailed business plan

How to apply

Contact the CIBC Business Client Advice Centre or meet an advisor to apply.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

May finance up to the full cost of the assets being acquired. Loan size is set by CIBC after assessing the application.

Eligibility requirements

• Used for equipment, property or other long-term business investments
• Repayment term and principal schedule can be tailored to cash flow
• Lower pricing may be available if the loan is secured by an asset
• Credit score may influence the rate offered

How to apply

Meet a CIBC business advisor at a banking centre or book a meeting online.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Term loans from $10,000 to $300,000; funding can arrive as fast as one business day after approval.

Eligibility requirements

• Business has been operating for at least one year
• Annual revenue of at least $100,000
• Journey Capital is an independent third-party lender and sets final approval
• Application is completed online or by phone with Journey Capital

How to apply

Apply online through the Journey Capital link on the Coast Capital page.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Selected entrepreneurs receive coaching, a credit package of up to $16,000 at prime + 0.5% for 5 years (line of credit plus credit card, limit may rise to $30,000 after six months of good financial behaviour), and a $3,000 grant (conditions apply), or up to $5,000 for innovative projects.

Eligibility requirements

• Applicant aged 18 to 39
• Business is no more than 3 years old
• Not eligible for traditional financing or enough of it
• Business's main corporate account is held at Desjardins
• Project goes through a local partner organization (Ontario partners listed)

How to apply

Submit business model, plan and forecasts to an area partner organization; Ontario partners are listed on the page.

Source page last updated: Apr 16, 2026. Checked against the official page on Oct 13, 2026.

Eligibility requirements

• Unsecured business loan of $250,000 or less
• Online application available
• Financing over $250,000 goes through a business advisor
• Business membership application is offered on the page

How to apply

Apply online for $250,000 or less; contact a DUCA advisor for larger amounts.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Leases typically need no down payment; loans let the business own the equipment. Terms are structured per deal.

Eligibility requirements

• Covers industries such as construction, healthcare, manufacturing and transportation
• Choice of leasing or loan structure
• Specialist structures the deal and coordinates with the dealer
• Delivered by National Bank Equipment Finance Inc., a bank subsidiary

How to apply

Apply online through the Equipment Finance portal or call 1-888-599-1966.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Credit limit is set on approval. Funds can be accessed by cheque, cash advance, ABM or online banking, and a letter of guarantee may be issued to suppliers.

Eligibility requirements

• Supports inventory and operating costs while receivables are pending
• Interest charged only on the borrowed amount
• Can be repaid at any time as cash comes in
• Subject to credit approval by National Bank

How to apply

Book an appointment online or call the National Bank business line.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Can finance a wide range of tangible assets and some intangible assets; draws can follow progress on eligible projects. Amounts are set on approval.

Eligibility requirements

• Used to buy equipment, buildings or vehicles
• Available in CAD or USD
• Fixed or variable rate options
• Subject to credit approval by National Bank

How to apply

Book an appointment online or call the National Bank business line.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Financing for eligible projects with total budgets from $500,000 to $2 million, plus advice from RBC media specialists.

Eligibility requirements

• Self-identify as a member of the BIPOC community
• At least one writing, directing or producing credit on a digital or TV project
• No more than two productions completed, or company operating under 24 months
• Project is CRTC-licensed broadcast content with a $500,000 to $2 million budget
• Interim financing for 100% of the project from investment-grade sources, with verification

Not eligible

• Subject to credit approval and RBC's standard lending practices; some exclusions apply

How to apply

Submit the contact form on the RBC program page to be reached by a specialist.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Loans of up to $250,000 for starting, managing or growing a business, subject to credit approval.

Eligibility requirements

• Applicant must be an eligible Black entrepreneur in Canada, per RBC criteria
• Subject to credit approval based on credit and financial information
• Advisor discussion expects a business summary or income statement and a balance sheet
• Full criteria and loan details are in RBC's how-to-apply guide

How to apply

Contact an RBC advisor or branch; prepare a business summary or income statement plus balance sheet.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Fixed-rate loans start at $10,000 and variable-rate loans at $5,000; terms are typically up to 7 years.

Eligibility requirements

• Used for property, equipment, capital assets or debt refinancing
• Fixed-rate option starts at $10,000; variable-rate at $5,000
• Typically secured, term up to 7 years but not beyond the asset's useful life
• Real estate financing can amortize up to 25 years depending on property
• Available in Canadian funds only

How to apply

Call RBC's business helpline, visit a branch, or contact a business specialist.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Commercial mortgage financing above $500,000 for income-producing property.

Eligibility requirements

• Property is income-producing and valued above $500,000
• Multi-residential needs at least 7 rental units; industrial, office and retail also eligible
• Property should be readily marketable in an active resale and rental market
• Requires a current bank-approved appraisal and a passing Phase I environmental report
• A building condition report may be required; CMHC insurance available when needed

How to apply

Contact your RBC account manager or a specialist, or call 1-800-769-2520.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Up to 100% financing of equipment cost, including taxes and installation, per the RBC page.

Eligibility requirements

• Covers equipment from tractors to computer systems and furniture
• Financing can include taxes and installation costs
• Solution is customized to the business's equipment needs
• Lease payments are described as tax deductible; confirm with your accountant

How to apply

Call RBC's Equipment Finance Specialists at 1-800-301-4354.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Reusable equipment credit line; available credit can be reused as it is paid down.

Eligibility requirements

• Suited to buying multiple pieces of equipment in a short period
• Can consolidate existing equipment leases or term loans
• Offers both lease and term borrowing options
• Variable rates can be moved to fixed
• Available credit is reusable as balances are repaid

How to apply

Contact an RBC Equipment Finance Specialist; Ontario line is 1-855-355-2094.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Revolving working-capital line of credit; limits start at $10,000.

Eligibility requirements

• Credit lines start at $10,000
• Linked to an RBC business operating account with automatic shortfall transfers
• Two options: one-way transfer or two-way revolve (OperatingLine PLUS)
• Used for cash-flow gaps, growth funding and simpler loan and account management

How to apply

Call RBC's business helpline, visit a branch, or contact a business specialist.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Established businesses: capital loans up to $250,000 and working-capital loans up to $50,000. Start-ups: capital loans up to $50,000.

Eligibility requirements

• Business has at least 50% Black ownership.
• Annual sales are up to $15,000,000.
• Open to both start-ups and established businesses.
• Capital loans start at $25,000; working-capital loans start at $25,000.
• All credit is subject to Scotiabank approval and conditions.

How to apply

Meet with a local Scotiabank business advisor to start the application.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Unsecured revolving limits up to $1 million; borrow, repay and re-borrow within the limit.

Eligibility requirements

• Credit decisions consider the owner's income for the last two tax years.
• Business financial statements and a forward-looking plan are reviewed.
• Personal credit history may be considered in some cases.
• Sole proprietors and partnerships must sign a personal guarantee.
• Application documents differ for sole proprietorships, partnerships, corporations and not-for-profits.

How to apply

Make an appointment with a local Scotiabank business advisor and submit bank statements and documents.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Leases from a $50,000 minimum transaction with terms of 2 to 7 years; the page states no maximum.

Eligibility requirements

• Minimum transaction size is $50,000.
• Minimum term of 2 years and maximum term of 7 years.
• Includes capital and operating leases and equipment financing lines.
• Subject to credit approval; conditions apply.

How to apply

Contact a Scotiabank business advisor.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

A single global credit limit of up to $3 million that can combine credit lines, term loans, cards, leasing and trade products.

Eligibility requirements

• Business has operated for at least 2 years.
• Borrower has equity in a property, such as a home, vacation or commercial property.
• Approval is subject to credit approval; some exceptions and conditions apply.
• Individual product application fees are eliminated under the program.

How to apply

Contact a Scotiabank business advisor to discuss the program.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Term loans with limits up to $1,000,000; terms up to five years, with amortization of 3 to 10 years (up to 20 for real estate).

Eligibility requirements

• Subject to credit approval; conditions apply.
• Used to purchase fixed assets, including purchases made in the last six months.
• Online application available if annual sales are up to $15,000,000.
• Fixed or variable monthly payments available.

How to apply

Contact a Scotiabank business advisor or apply online if annual sales are $15 million or less.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Business property financing with variable or fixed rate options.

Eligibility requirements

• Finances the purchase or improvement of assets and your business premises
• Variable rate allows principal prepayment without penalty
• Fixed rate allows optional prepayments up to 10% of the original loan amount each year
• Subject to TD lending policies including acceptable personal credit history; personal guarantees, security and additional documentation may be required; fees may apply

How to apply

Book an appointment, contact an Account Manager Small Business, or call 1-866-222-3456.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Revolving credit where interest is charged only on the amount borrowed.

Eligibility requirements

• Attached to a TD Business Chequing or U.S. Dollar Business Chequing Account
• Floating rate tied to TD Prime or U.S. Prime
• Interest is paid only on the amount borrowed
• Security can include business assets, real estate, or liquid or margin security
• Subject to credit approval; fees and personal guarantees may apply

How to apply

Find a TD Account Manager Small Business or book an appointment.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Term financing with 1 to 5 year fixed terms and amortization up to 30 years, based on asset life.

Eligibility requirements

• Used to purchase business assets or finance expansion plans
• Security options include business assets, business real estate, residential real estate (full or partial), and liquid or margin security (full or partial)
• Fixed terms of 1 to 5 years; amortization up to 30 years based on the useful life of the asset financed
• Subject to TD lending policies and acceptable personal credit history
• Personal guarantees, security and additional documentation may be required; fees may apply

How to apply

Find a TD Account Manager Small Business, book an appointment, or call 1-800-450-7318.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Term loans for new vehicle purchases (up to five vehicles, combined maximum value $500,000). Amortization up to 96 months for subvented business-only applications and up to 84 months for non-subvented ones (up to 96 with a personal covenant).

Eligibility requirements

• Financing is for new cars, vans or light-duty trucks
• Vehicles must be registered in the business's name
• Based on business strength (two years of financial statements required; Review Engagement statements may be required above $150,000) and/or a personal covenant
• Eligible: sole proprietorships, small business corporations, partnerships, incorporated associations
• Apply through a local franchise dealer

Not eligible

• Used vehicles: page describes financing for new vehicles only

How to apply

Visit a local franchise dealer to apply, or schedule a meeting with TD.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Operating line of credit up to $25,000 for new businesses; term loan or line up to $250,000 for existing businesses, repayable over five years.

Eligibility requirements

• At least 51% of the business owned by individuals who identify as Indigenous
• Business operates in Metro Vancouver, Fraser Valley, Greater Victoria or the Sea-to-Sky Corridor
• With multiple signers, one signing officer meets the criteria and holds at least 25% ownership

How to apply

Book a phone appointment with a Vancity business account manager.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Start-up lines of credit up to $25,000; up to $250,000 in total lending for businesses with at least 12 months of revenue. Term loans are repaid over five years.

Eligibility requirements

• Plan to operate in Metro Vancouver, Fraser Valley, Greater Victoria or the Sea-to-Sky Corridor
• Owner is in or recently finished self-employment training, or an advisor such as WeBC reviewed the plan
• Women and non-binary applicants can qualify as a startup based on credit score
• Larger amounts require at least 12 months of business revenue

How to apply

Book an appointment with Vancity; a business plan helps you prepare.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Grant claimed through the corporate tax return: 8% of eligible Alberta R&D spending up to the company's base level (its two-year average) and 20% on spending above it. Benefit applies to up to $4 million of R&D spending a year.

Eligibility requirements

• Corporation undertaking R&D in Alberta
• Expenditures incurred in Alberta after December 31, 2020
• Expenses must match those that qualify under the federal SR&ED program
• Benefit phases out for taxable capital between $10 million and $50 million

Not eligible

• Firms with $50 million or more in taxable capital

How to apply

No formal application; file Schedule 29 with the Alberta corporate income tax return (AT1).

Source page last updated: Feb 14, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Reimburses 80% of eligible training costs, up to $10,000 per participant and $300,000 per employer per fiscal year (April 1 to March 31). The employer covers the remaining 20% and pays costs up front.

Eligibility requirements

• Small, medium or large employer applying on its own behalf with a Business BCeID
• Training must lead to a better job or job security, or a job for an unemployed person
• Participants must be unemployed or employed by the applicant at application time
• Participants must be Canadian citizens, permanent residents or protected persons
• Training must be 52 weeks or shorter

Not eligible

• Temporary foreign workers, international students and other temporary residents as participants
• Diploma or degree programs (not funded in full or in part)
• Third parties applying on an employer's behalf

How to apply

Create a Business BCeID, then apply online via the Skills Training Grants System before training starts; claim reimbursement afterward.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Refundable credit of 10% on the lesser of qualified B.C. SR&ED spending or the expenditure limit ($6 million for tax years beginning on or after Dec 16, 2024), with a non-refundable 10% credit on any excess. The page says Budget 2026 made the credit permanent and cites Bill 2 (2026) as legislation, without stating its enactment status.

Eligibility requirements

• Corporation with qualified SR&ED expenditures incurred in B.C.
• Refundable credit is for CCPCs and eligible Canadian public corporations
• Non-refundable credit is open to all qualifying corporations
• Expenditure limit phases out as prior-year taxable capital rises from $15 million to $75 million
• Claim within 18 months after the end of the tax year of the expenses

How to apply

File form T666 with the T2 return and enter the credit amounts on Schedule 5.

Source page last updated: Apr 20, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Credit of 15% of eligible SR&ED spending made after April 11, 2017. Half of the credit on in-house R&D is refundable; it is fully refundable for R&D under an eligible contract with a qualifying Manitoba institute. Unused credits carry back 3 years and forward 20 years.

Eligibility requirements

• SR&ED (as defined federally) carried on in Manitoba
• Corporation with a permanent establishment in Manitoba for refundable treatment
• Contract R&D must be with a qualifying research institute for full refundability

Not eligible

• R&D carried on outside Manitoba

How to apply

Claim with the T2 corporate return alongside the federal SR&ED claim; CRA administers it for Manitoba.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Non-refundable credit for investors: individuals get 50% of the investment, up to $125,000 a year on investments up to $250,000 ($500,000 credit on $1 million in strategic sectors, for investments after March 17, 2026). Corporate and trust investors get 25% on investments after March 17, 2026, up to $125,000 a year ($250,000 in strategic sectors); unused credit carries forward seven years or back three.

Eligibility requirements

• Private company incorporated or registered in New Brunswick, with net tangible assets under $50 million
• Substantially all assets and income used in active business in New Brunswick
• At least 75% of wages paid to NB residents (50% if over half of sales are exported)
• Raises at least $10,000 from at least three investors; individual investors are NB residents aged 19+
• Individuals invest at least $1,000; corporate or trust investors at least $50,000
• Investors must hold the shares four years or the credit is repaid

Not eligible

• Funds used for lending, dividends, share buybacks, land speculation or investment outside New Brunswick
• Replacement shares bought by investors who disposed of company shares after December 10, 2002
• Investors using government financial assistance to buy the shares
• Shares issued mainly to claim the tax credit

How to apply

Business applies for a registration certificate ($100 fee) with Finance, then requests investor tax credit certificates ($25 each).

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Credit of 15% of qualified SR&ED spending made in Nova Scotia, for corporations of any size. Any credit above Nova Scotia tax payable is refunded.

Eligibility requirements

• Corporation with a permanent establishment in Nova Scotia
• Qualified SR&ED expenditures (federal definition) made in Nova Scotia
• Federal claim filed on Form T661

Not eligible

• R&D spending outside Nova Scotia

How to apply

Claim on T2 Schedule 340 with the corporate return and federal Form T661.

Source page last updated: Jan 17, 2020. Checked against the official page on Oct 13, 2026.

What you could receive

Repayable support in the form of a loan and/or a loan guarantee (covering up to 70% of net loss), with a non-repayable contribution possible only in specific cases. Combined government aid cannot exceed 50% of total project cost, for up to 10 years; management and guarantee fees of at least 0.5% apply.

Eligibility requirements

• For-profit business or social economy enterprise registered in Quebec
• Carries on, or commits to carry on, activity in Quebec within 12 months of project authorization
• Investment project with at least $100,000 in eligible expenses (expansion, modernization or technology transition)
• Project shows productivity potential and aims to raise the site's fixed assets by at least 20%
• Project starts within 6 months of authorization (12 months for very large projects)

Not eligible

• Primary sector (agriculture, forestry, fishing) with limited exceptions, and mining/oil and gas
• Real estate, finance and insurance, utilities, health, education, public administration
• Arts and recreation, telecommunications, broadcasting, accommodation and food services (except tourism-linked)
• Construction (except productivity projects) and holding/management of companies

How to apply

Contact your Investissement Quebec account manager, or call 1 844 474-6367 to get one assigned.

Source page last updated: Apr 1, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

A 10% credit on qualifying R&D spending in Saskatchewan. For Saskatchewan CCPCs it is refundable on the first $2 million of annual qualifying spending from December 16, 2024 (previously the first $1 million); spending above that, and other corporations, get a non-refundable 10% credit. Total credits are capped at $1 million per year.

Eligibility requirements

• Corporation incurring qualifying R&D expenditures in Saskatchewan
• Refundable portion is limited to Saskatchewan Canadian-controlled private corporations (CCPCs)
• Claim made with Schedule 403 filed alongside the Saskatchewan corporate income tax return

How to apply

Complete CRA Schedule 403 and submit it to CRA with the annual Saskatchewan corporate income tax return.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Employers hiring youth aged 15 to 30 for paid summer work

Source page last updated: Aug 14, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Cost-shared funding of $10,000 to $50,000 per project, covering up to 50% of eligible export-development costs (applicant funds the other 50% in cash). Annual cap of $99,999 across all CanExport programs per company.

Eligibility requirements

• For-profit incorporated company, LLP or cooperative established in Canada with an active CRA business number
• Between 3 and 500 full-time employees
• Annual revenue between $300,000 and $100 million declared in Canada
• Must own the goods or services being exported and show meaningful economic ties to Canada
• Project targets new international markets; only one active CanExport SMEs project at a time

Not eligible

• Sole proprietorships and limited partnerships
• Agents, distributors, trading houses, export brokers and intermediary wholesalers
• Franchisees (only the franchisor qualifies)
• Parent companies applying for subsidiaries, or consultants applying for clients

How to apply

Apply via the CanExport SMEs portal during an intake; the latest closed August 31, 2026 and new dates are unposted.

Source page last updated: Oct 6, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Repayable loan of up to $350,000 with preferential rate, no application or annual fees, and option to postpone principal payments up to 24 months; an extra rate reduction is offered after completing an online course.

Eligibility requirements

• Business based in Canada
• Revenue under $3 million
• At least 51% owned and led by women, Indigenous or Black entrepreneurs
• Funds for growth projects, equipment or technology

How to apply

Page states applications closed September 30, 2026; previously applied online with a BDC specialist after an eligibility check.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

A $5,000 micro-grant plus up to 15 hours of business training and up to three months of advisory and mentoring. Applicants must have already invested 25% of the grant ($1,250) into the business.

Eligibility requirements

• Canadian citizen or permanent resident, 18+, Toronto resident, not in school, 35+ weekly hours in the business
• Registered business (sole proprietor, partnership or corporation) with a Toronto address and a commercial bank account
• In operation at least six months and up to five years, with majority ownership
• Year-round business with consistent monthly revenue
• Not enrolled in another government-funded employment program

Not eligible

• Past recipients of the Retail Accelerator Program or other Starter Company Plus/SBEC funding
• Franchises, charities and non-profits, nightclubs, childcare centres and property rental businesses
• Financial, crypto, brokerage and reseller-only online businesses
• Seasonal businesses

How to apply

Submit the City's online application form; the current intake closes October 9, 2026 at 4:29 p.m.

Source page last updated: Sep 21, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Selected SMEs on a delegation mission are invited to apply for grant funding covering up to 50% of eligible costs such as travel, conference fees, professional services and other direct costs. No dollar cap is stated.

Eligibility requirements

• Incorporated, profit-oriented Canadian SME with up to 500 full-time equivalent employees
• Technology nearing commercialization and ready to co-innovate with a foreign partner
• Owns or co-owns the intellectual property being presented
• Has resources to cover the unfunded participation costs
• Academic, research and not-for-profit innovators may also join if aligned with the mission

Not eligible

• Businesses offering services to Canadian organizations (visa, immigration, trade consulting)
• Businesses establishing themselves in Canada

How to apply

Apply to specific missions when recruitment opens; two listed missions had October 11, 2026 deadlines.

Source page last updated: Sep 28, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Business Scale-Up funds the Canadian Queer Chamber of Commerce to deliver a national mentorship program, better access to corporate procurement and export-readiness help for 2SLGBTQI+ entrepreneurs; the page describes no direct cash grant to individual businesses.

Eligibility requirements

• 2SLGBTQI+ entrepreneur or business owner
• Supports delivered through the Canadian Queer Chamber of Commerce, not directly by ISED
• Ecosystem Fund (for not-for-profits) and Knowledge Hub calls are closed

Not eligible

• Organizations seeking Ecosystem Fund or Knowledge Hub money (calls closed)

How to apply

Contact the Canadian Queer Chamber of Commerce for current entrepreneur programming.

Source page last updated: Nov 19, 2025. Checked against the official page on Oct 13, 2026.

What you could receive

Funded organizations give eligible small and medium-sized employers $5,000 per new first-year apprentice hired, or $10,000 if the apprentice is from an equity-deserving group.

Eligibility requirements

• Employer with 499 or fewer paid employees
• Hires a new first-year apprentice in one of 39 eligible Red Seal trades
• Higher amount if apprentice is a woman, Indigenous, newcomer, racialized, 2SLGBTQI+ or has a disability

Not eligible

• Employers above 499 paid employees
• Hires in trades outside the 39 listed Red Seal trades

How to apply

Not open now. Register for ESDC funding notifications and watch for the renewed service launch.

Source page last updated: Jul 4, 2024. Checked against the official page on Oct 13, 2026.

What you could receive

Refundable tax credit calculated as number of employees in designated provinces times a per-employee rate that varies by province and year (for example, Ontario $26 in 2019 up to $146 in 2023 and $98 for 2024). The 2024-25 payment is stated to be the final one because the fuel charge was removed.

Eligibility requirements

• Canadian-controlled private corporation (CCPC) throughout the relevant tax year
• Return filed by the deadline (July 15, 2025 for the final 2024-25 payment); not a final dissolution return
• Employed at least one person in a designated province
• 499 or fewer employees across Canada

Not eligible

• Cooperatives and credit unions
• Corporations with 500 or more employees in Canada
• Corporations that did not meet the CCPC or filing-deadline tests

How to apply

No application needed; eligible corporations receive the payment automatically (program wound down, final payment issued for 2024-25).

Source page last updated: Apr 23, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

No longer available to new applicants. Only businesses with a grant agreement signed before February 19, 2024 could still use the grant and BDC 0% loan, within their agreement deadlines.

Eligibility requirements

• Only businesses with a valid grant agreement signed before February 19, 2024

Not eligible

• All new applicants

How to apply

Not accepting applications. See BDC LIFT for current AI and digital adoption financing.

Source page last updated: not shown on page. Checked against the official page on Oct 13, 2026.

What you could receive

Non-repayable grants of up to $500,000 covering up to 60% of eligible expenses to attract, retain or expand foreign direct investment.

Eligibility requirements

• Canadian community or community-level organization, local non-profit, or municipal organization
• Mandate to attract, expand or retain foreign direct investment
• Able to enter legally binding agreements
• Activities such as FDI training, strategic plans, investor marketing tools or lead generation

Not eligible

• Mergers and acquisitions
• Attracting investment from other parts of Canada
• Trade or export activities

How to apply

Apply through the CanExport Communities Portal; not accepting submissions now, next call expected January 2027 with December 2026 info sessions.

Source page last updated: Oct 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Businesses can normally request $125,000 to $10 million in repayable funding; incorporated not-for-profits can normally request $125,000 to $10 million in non-repayable funding. The initiative totals $379.2 million nationally.

Eligibility requirements

• Incorporated for-profit business located and operating in southern Ontario
• At least 5 full-time equivalent employees in the region
• Business is in defence supply chains or looking to integrate into them
• Or an incorporated southern Ontario not-for-profit supporting defence-sector businesses or capability development

How to apply

Intake is currently paused; separate business and organization 'who can apply' pages exist for when it reopens.

Source page last updated: Jun 17, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Past intake: contributions normally repayable for SMEs and normally non-repayable for not-for-profits. ISED describes a $500 million expansion over five years ($700 million in total, three streams). No new southern Ontario intake is open.

Eligibility requirements

• Adoption pillar: project must go beyond buying off-the-shelf AI tools
• Priority areas included healthcare and life sciences, enterprise solutions, manufacturing and mobility
• Small and medium-sized enterprises and not-for-profit organizations in southern Ontario

Not eligible

• New applications (intake closed December 20, 2024)

How to apply

No intake open. Watch FedDev Ontario and the ISED RAII page for the announced expansion.

Source page last updated: Oct 13, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Covers up to half of total project costs, capped at $2 million per project; smaller charging projects (under 20 Level 2 connectors or 2 fast-chargers) go through delivery organizations.

Eligibility requirements

• Charger deployment in public places, on-street, workplaces, multi-unit residential buildings or fleets
• Applicants limited to two proposals under the owners/operators intake
• Private-sector projects above $20 million are redirected to the Canada Infrastructure Bank

Not eligible

• Applicants while the streams remain closed

How to apply

Not open now; check NRCan stream pages for any new intake or delivery organizations.

Source page last updated: Mar 20, 2026. Checked against the official page on Oct 9, 2026.

Eligibility requirements

• Ontario employers (other than educational organizations), non-profits and Indigenous band offices
• Professional, industry or employer associations and trade unions
• Municipalities, social services boards, service managers and hospitals
• Minister-approved non-college apprenticeship training delivery agents
• Project must target in-demand sectors and occupations matching employer or government priorities

Not eligible

• District school boards, colleges, universities and career colleges cannot apply alone; co-applicants only

How to apply

Application period closed; applicants will be told the result. See the application guideline for requirements.

Source page last updated: Oct 2, 2025. Checked against the official page on Oct 9, 2026.

What you could receive

Up to $3,000: up to $1,500 at the start for start-up costs and up to $1,500 once program requirements are met.

Eligibility requirements

• Aged 15-29 and attending school, returning after the program (parent signs if under 18)
• Ontario resident and Canadian citizen or permanent resident
• Not already running a business and not working another job or studying over 12 hours a week
• Commit at least 280 hours (high school) or 420 hours (post-secondary)
• Business must be a sole proprietorship or corporation where you are majority shareholder

Not eligible

• Past Summer Company grant recipients
• Part of an existing or family business
• Employment or school load over 12 hours per week during the program

How to apply

Apply through your local Ontario Small Business Advisory Centre; expect a business plan, cash flow and interview.

Source page last updated: Sep 23, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Up to $5,000 for those who complete training and win the grant committee pitch; at least 8 of 34 grants were reserved for creative entrepreneurs.

Eligibility requirements

• Ontario resident, 18+, Canadian citizen or permanent resident
• Not attending school full time and committing 35+ hours a week to the business
• Independent, legally registered, non-franchise business based in Brampton or Caledon
• Business plan score of 80% or higher to earn a pitch
• Provide proof of 25% contribution toward the grant

Not eligible

• Franchises, side hustles, commission-sales or multi-level marketing businesses
• Trucking, logistics, real estate investment and holding companies
• Past Starter Company or Starter Company Plus recipients
• Not-for-profits (see Advance Brampton Fund)

How to apply

Not open now; attend an orientation session and apply when the next intake is announced.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Winners of the Pitch Competition receive $5,000, which must be spent before the cohort end date with receipts provided.

Eligibility requirements

• Permanent resident or Canadian citizen aged 18 or older
• Owns a business in Halton Region
• Not attending school or enrolled in another government-funded employment program
• Provide 25% match funding, a business plan and two-year financial forecast
• Attend an information session and complete mandatory training

Not eligible

• Applicants who miss the information session or program requirements
• Businesses needing certification or licences not held before enrolling

How to apply

Not open now; attend an information session and apply for the next cohort.

Source page last updated: not shown on page. Checked against the official page on Oct 9, 2026.

What you could receive

Covers half of eligible costs up to $5,000 on at least $10,000 of work, with up to $2,500 more for AODA-compliant exterior accessibility and up to $1,000 for design fees.

Eligibility requirements

• Owner or tenant of a commercial or industrial property in Toronto
• Permanent patio or cafe improvements, fencing, boulevard landscaping features or accessibility elements
• Work totaling at least $2,000; $10,000 to reach the full grant
• One property application per chain or franchise

Not eligible

• Maintenance of existing elements such as lighting or windows
• Places of worship, institutional, not-for-profit and residential buildings
• Past recipients who already received the maximum grant

How to apply

Not open now; questions to CafeTOgrants@toronto.ca.

Source page last updated: Apr 21, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Half of eligible costs up to $12,500 on $25,000 of work (minimum grant $2,500), with up to $2,500 more for AODA upgrades and up to $12,500 for multi-unit properties.

Eligibility requirements

• Property owner or commercial tenant with the owner's permission
• At least three eligible improvements
• Work not started before City approval
• Facade faces a public road or accessible right-of-way

Not eligible

• Roof signs, stand-alone ground signs, new roofs or new stucco
• Properties that received the maximum facade grant in the previous ten years
• Places of worship, institutional, not-for-profit or residential-only buildings

How to apply

Not open now; contact Michael.Saunders@toronto.ca or 416-392-1005 about future rounds.

Source page last updated: Mar 2, 2026. Checked against the official page on Oct 9, 2026.

What you could receive

Matches 50% of interior improvement costs; the $20,000 maximum assumes at least $40,000 of improvements.

Eligibility requirements

• Street-level commercial property in Toronto (or with direct street access from another floor) that is vacant, or occupied and impacted by major transit expansion construction or previously supported through the Canada Emergency Rent Supplement
• At least three eligible improvements
• Tenants need written landlord permission
• Design fees covered up to $2,000 per application

Not eligible

• Maintenance of existing interior elements
• Movable furniture, equipment, appliances, computers and IT
• Places of worship, institutional, not-for-profit and residential buildings
• Work totaling less than $5,000

How to apply

Not open now; contact Michael.Saunders@toronto.ca or 416-392-1005 about future rounds.

Source page last updated: Jun 5, 2026. Checked against the official page on Oct 13, 2026.

What you could receive

Participants completing the program can receive a $5,000 micro-grant to carry out their export strategy.

Eligibility requirements

• Incorporated for-profit business located in Toronto, majority owned by the applicant
• Operating at least two years with more than $50,000 annual revenue
• Applicant 18+, Canadian citizen or permanent resident, full-time self-employed
• Already invested at least $1,250 (25% of the grant) in the business
• Year-round operation with active BN and business bank account

Not eligible

• Individuals, not-for-profits, social enterprises and co-operatives
• Franchises, distributorships, and PR or marketing agencies
• Past recipients of Starter Company Plus or other SBEC funding

How to apply

Not open now; questions to TAP@toronto.ca.

Source page last updated: Jul 28, 2026. Checked against the official page on Oct 9, 2026.