COVID-19 Programs and Measures – NPOs

Canada Emergency Business Account

Ministère des Finances

The Canada Emergency Business Account will make $25 billion available to eligible Canadian businesses in the form of an interest-free loan.

Every business could receive up to $40,000 to pay operating costs during the crisis.

Businesses should contact their financial institution to request the loan and show that they paid between $20,000 and $1.5 million in total payroll in 2019.

Repayment of the balance of the loan at the latest by December 31, 2022 will generate a writeoff of 25% of the loan, up to $10,000.

Some conditions apply.

Canada Emergency Commercial Rent Assistance (CECRA)

Canada Mortgage and Housing Corporation - CMHC

This assistance offers business owners that rent to small businesses a forgivable loan of 50% of the cost of rent provided they offer tenants a rent reduction of at least 75% for the months of April, May, June and July, 2020.

Non-exhaustive eligibility criteria:

Own a building with at least one small business tenant that is affected;
Conclude (or have concluded) a legally binding agreement to reduce rent for the months of April, May, June and July, 2020.

Owners can apply through a specially designed portal.

Some conditions apply.

Canada emergency wage subsidy

Government of Canada

The federal government will make available to eligible businesses a wage subsidy to cover up to 75% of salaries.

This subsidy, for a maximum period of six months, retroactive from March 15, 2020, to August 29, 2020 is designed to help businesses retain or rehire their employees.

Eligibility critirea for employers:

Being an eligible employer;
Having experienced an eligible reduction in revenue; and
Having had a CRA payroll account on March 15, 2020.

Calculate your subsidy amount here.

Current claim periods open for application:

March 15 to April 11 (period 1)
April 12 to May 9 (period 2)
May 10 to June 6 (period 3)

Some conditions apply.

COVID-19 – Canadian Seafood Stabilization Fund

Canada Economic Development for Quebec Regions

The Canadian Seafood Stabilization Fund, put in place by CED in Quebec, is designed to inject $62.5 million into businesses in the fishing, aquaculture and processing sectors.

The Fund has four components:

Storage capacity;
Adaptation of businesses;
Automation;
Market development.

To apply:

If you are a CED client Contact the advisor assigned to your project at the business office for your region.
If you are not a CED client Select your administrative region to find the business office for your region.

Some conditions apply.

Emergency Community Support Fund (ECSF)

Government of Canada

The ECSF provides financial aid to charitable and non-profit organizations to help them adapt and increase front-line services offered to vulnerable populations during the COVID-19 pandemic.

Applications are being accepted and must be submitted by July 27, 2020 for activities taking place between April 1, 2020 and March 31, 2021.

For more information, consult the Applicant Guide.

Some conditions apply.

Emergency Support Fund for Cultural, Heritage and Sport Organizations

Canadian Heritage

This fund, administered by Canadian Heritage, will be divided among select departmental programs, portfolio agencies and key delivery organizations.

Funds will be distributed in two phases through a range of existing programs, funds and organizations.

The way funds will be distributed will depend on whether:

Your organization is currently financed by Canadian Heritage;
Your organization is currently financed by the Canada Council for the Arts, the Canada Media Fund or Telefilm Canada;
Your organization is not currently financed by Canadian Heritage.

For more information, you can also consult the FAQ.

Some conditions apply.

FCC Advancer

Farm Credit Canada

If you are a Canadian agri-food or agricultural entrepreneur with a growing operation, you could be eligible for an FCC Advancer.

Some of the benefits:

Funds readvanced with no paperwork;
Lower payments than with a regular loan;
Ability to set your own interest rate.

Loan features:

Renewable, pre-approved loan;
Open variable rate;
Ongoing re-advance of funds;
Ability to make only interest payments;
Guarantee negotiated in advance.

Some conditions apply.

FCC line of credit

Farm Credit Canada

If you are a Canadian agri-food or agricultural entrepreneur, you could have access to an FCC line of credit to meet your cash flow requirements.

Some of the benefits:

Release of funds and consultation of information through your online account;
Immediate access to working capital;
Loan renewal based on your production cycle.

Loan features:

Renewable, pre-approved loan;
Open variable rate;
Ongoing re-advance of funds;
Ability to make only interest payments;
Monthly statements;
No guarantee required.

Some conditions apply.

Purchase Order Financing

Business Development Bank of Canada

Do you want to take advantage of new business opportunities, but are short on cash? Receive financing for up to 90% of the purchase order.

Purchase order financing is the ideal solution for:

Accepting major contracts;
Preserving your line of credit and your working capital;
Extending your activities to national and international markets.

Advantages for your company:

Flexible terms adapted to the terms of the purchase order;
Payment in Canadian or American dollars;
Building trust with your clients and suppliers;
Peace of mind.

Conditions apply.

Regional Relief and Recovery Fund (RRRF)

Canada Economic Development for Quebec Regions

The RRRF, managed by CED, is designed to help businesses and affected communities deal with the crisis and kick start their economic recovery.

The Fund makes it possible to:

Offer immediate mitigation measures for businesses that are in difficulty because of a lack of cash.
Prepare for post-COVID-19 through support focused on the economic recovery.

The initiative has two parts:

$675 million to support regional economies, businesses, organizations and communities in every region of Canada;
$287 million to support the national CDIC network.

Some conditions apply.

Temporary Foreign Worker Program

Employment and Social Development Canada

PLEASE NOTE!

BECAUSE OF THE CORONAVIRUS (COVID-19), CHANGES HAVE BEEN MADE TO THIS PROGRAM.

YOU CAN CONSULT THEM HERE.

Your business may be eligible to access a pool of foreign workers to hire on a temporary basis when Canadian citizens and permanent residents are not available.

You can hire workers under a variety of streams:

Skilled workers
Global talent / highly skilled workers
Workers in high wage or low wage positions
Agricultural workers
Academics

Fees and conditions apply.

Temporary wage subsidy for employers

Government of Canada

Take advantage of a wage subsidy equal to 10% of compensation paid from March 18, 2020 to June 20, 2020, up to $1,375 per employee and a maximum of $25,000 per employer.

Eligibility:

You are a or an:
- individual (excluding trusts);
- partnership;
- non-profit organization;
- registered charitable organization; or
- Canadian-controlled private corporation (CCPC) (including a cooperative corporation) eligible for the small business deduction.
You have a business number and a payroll program account with the Agency as of March 18, 2020;
You have paid a salary, stipend, bonuses or other compensation to an employee.

Some conditions apply.

Work sharing program – Temporary special measures in response to the slowdown in activities due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers are in effect March 15, 2020 to March 14, 2021.

Eligibility:

You are experiencing a slowdown in commercial activities because of the global COVID-19 epidemic and have WS agreements:

Signed between March 15, 2020 and March 14, 2021;
That started or ended between March 15, 2020 and March 14, 2021;
That ended between June 23, 2019 and March 14, 2020 and that are in a mandatory waiting period.

applicant guide available here.

Some conditions apply.

Learn more Form(s)

Work sharing program – Temporary special measures in response to the slowdown of activities in the forestry sector due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers in the forestry sector are in effect July 30, 2017 to March 28, 2020.

Eligibility:

Your company has been directly or indirectly affected by the slowdown in the forestry sector and you have:

Signed a work sharing agreement that ended between October 30, 2016 and July 29, 2017;
Entered into a work sharing agreement that was or will be signed between July 30, 2017 and March 28, 2020 (the date of the start of the agreement should be no later than March 29, 2020); or
Entered into a work sharing agreement that will start or end between July 30, 2017 and March 28, 2020.

Applicant guide available here.

Some conditions apply.

Learn more Form(s)

Work sharing program – Temporary special measures in response to the slowdown of activities in the steel and aluminium sector due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers in the steel and aluminium sector are in effect August 19, 2018 to March 27, 2021.

Eligibility:

Your company has been directly or indirectly affected by the slowdown in the steel and aluminium sector and you have:

Signed a work sharing agreement that ended between November 25, 2017 and August 18, 2018;
Entered into a work sharing agreement that was or will be signed between August 19, 2018 and March 27, 2021 (the date of the start of the agreement should be no later than March 28, 2021); or
Entered into a work sharing agreement that will start or end between August 19, 2018 and March 27, 2021.

Applicant guide available here.

Some conditions apply.

Learn more Form(s)

Working Capital Loan

Business Development Bank of Canada

Increase inventory to meet demand, take advantage of discounts from your suppliers or add to your line of credit, without jeopardizing your cash flow.

Benefits for your company:

Flexible repayment terms to protect your cash flow;
Limited personal risk;
Peace of mind.

Conditions apply.

Federal measures

More time to pay income taxes

Deferral of Sales Tax Remittance and Customs Duty Payments until June

CED: repayments due in July, August and September are being deferred

Travel restrictions and exemptions

Canada Council for the Arts – Important Information related to COVID-19

Canada Post – Emergency Mail Forwarding for business customers who need it is offered free of charge online as of April 3

Canada-U.S. border restrictions prohibiting all non-essential travel across the border extended to July 21, 2020

Expansion of support for workers and small businesses: the program will now be available to a greater number of businesses that are sole proprietors receiving income directly from their businesses, businesses that rely on contractors, and family-owned corporations that pay employees through dividends rather than payroll.

Canada Summer Jobs 2020 temporary flexibilities for employers

Enhancement of the Youth Employment and Skills Program to help create new positions for youth in the agriculture sector

Updated measures for cruise ships and passenger vessels in Canadian waters up to October 31, 2020

Canada-U.S. border closure to be extended beyond June 21 (in French only)

Government of Canada announces additional support for Indigenous businesses and the Indigenous tourism industry

More small businesses can soon access the Canada Emergency Business Account

$30 million to help businesses and organizations in Québec's tourism sector adapt to new economic circumstances

Relief measures for Indigenous businesses during the COVID-19 outbreak

Prime Minister announces support for students serving their communities and opportunities to gain paid work experience

Federal Landlords align with core CECRA program criteria

Extension to the end of July of the Canada Emergency Commercial Rent Assistance (CECRA)

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2. Provincial government

CALQ emergency aid for artists and organizations

The CALQ has made available special support drawn from existing program budgets to address situations in the short term, such as cash flow problems to deliver essential services for the next month and difficulties faced by artists abroad who are incurring additional expenses to return to Quebec.

Emergency aid for artists supported by the CALQ

Download the form
Send an email

Emergency aid for organizations supported by the CALQ

Download the form (French only)
Send an email

Some conditions apply.

Learn more (in French only)

Concerted Temporary Action Program for Businesses (CTAPB)

Ministère de l'Économie et de l'Innovation

Eligible businesses, including cooperatives, non-profit organizations and social economy businesses engaged in commercial activities, could benefit from financial support of at least $50,000 in a loan and loan guarantee to make up for cash flow shortages related to COVID-19 due to:

a supply problem for raw materials or products;
the inability to deliver or a reduction in delivery capacity for products and services.

The main terms and processes for receiving this aid are presented on the Investissement Québec website.

Eligible companies that want more information or to avail themselves of this funding can call 1 844 474-6367 or the phone number for their regional office.

Some conditions apply.

Emergency aid for small and medium-sized businesses (COVID-19)

Ministère de l'Économie et de l'Innovation

SMEs affected by COVID-19 that need under $50,000 in cash can benefit from this aid introduced by the Government of Quebec.

Non-exhaustive eligibility criteria:

Be operating in Quebec for at least one year;
Be temporarily closed, likely to close or show the warning signs of closing;
Be maintaining, consolidating or resuming activities.

The lack of cash flow must be caused by:

an inability or substantial reduction in the ability to deliver products or merchandise;
a procurement problem for raw materials or products.

Some conditions apply.

Financial aid program for festivals and tourist events – component 1: major festivals and tourist events

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The first component of financial aid for festivals and tourist events is for organizers of major festivals and tourist events.

Non-exhaustive eligibility criteria:

Attract a significant number of tourists;
Have a proven economic impact;
Have eligible costs of $6 million or more.

Financial aid forms (annual or three-year agreement):

Financial aid for performance;
Financial aid for growth.

Some of the eligible costs:

Administration;
Programming;
Site management;
Promotion.

Registration period:

Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires on March 31, 2022.

Some conditions apply.

Financial aid program for festivals and tourist events – component 2: tourist festivals and events

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The first component of financial aid for festivals and tourist events is for organizers of major festivals and tourist events.

Non-exhaustive eligibility criteria:

Attract a significant number of tourists;
Have a proven economic impact;
Have eligible costs of $6 million or more.

Financial aid forms (annual or three-year agreement):

Financial aid for performance;
Financial aid for growth.

Some of the eligible costs:

Administration;
Programming;
Site management;
Promotion.

Registration period:

Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires on March 31, 2022.

Some conditions apply.

Financial aid program for festivals and tourist events – component 3: innovation and opportunity

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The third component of financial aid for festivals and tourist events is for organizers of innovative festivals and events that offer promising opportunities for promoting Quebec.

Non-exhaustive eligibility criteria:

Be developing the product;
Demonstrate the exceptional character of the project;
Be holding a one-time, non-recurring event;
Have eligible costs of $1 million or more.

Characteristics of the financial aid:

One-time, non-recurring;
Not exceed 25% of the cost of the project (maximum of $500,000).

Some of the eligible costs:

Administration;
Programming;
Site management;
Promotion.

Registration period:

Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires March 31, 2022.

Some conditions apply.