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Directory

COVID-19 Programs and Measures – Self-employed workers | Employees

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Consult this updated directory of key programs intended for self-employed workers and employees to help them through the COVID-19 pandemic.

  1. Federal government
  2. Provincial government
  3. Municipal government (Montréal)
  4. Private sector
  5. Other resources

1. Federal government

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 Response Benefit (CERB)

Government of Canada

PLEASE NOTE!

  1. The Canada Emergency Response Benefit replaces the previously announced Emergency Care Benefit and Emergency Support Benefit.
  2. To help more Canadians benefit from the CERB, the government is announcing changes to the eligibility rules to:
  • Allow people to earn up to $1,000 per month while collecting the CERB.
  • Extend the CERB to seasonal workers who have exhausted their EI regular benefits and are unable to undertake their regular seasonal work as a result of the COVID-19 outbreak.
  • Extend the CERB to workers who have recently exhausted their EI regular benefits and are unable to find a job or return to work because of COVID-19. 

*These changes will be retroactive to March 15, 2020 . More details will be posted on the portal shortly.

The Canada Emergency Response Benefit (CERB) offers Canadian workers who lose their income because of the COVID‑19 pandemic a taxable benefit of $2000  for up to four weeks ($500 per week).

Eligible workers include:

  • those who have stopped working because of COVID‑19;
  • those who have COVID‑19 or are caring for someone with the virus;
  • parents who must stay at home with no salary.

The CERB applies to contract and self-employed workers who would not otherwise be eligible for Employment Insurance.

A backgrounder is available here.

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:

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 Emergency Loan Program for Canadians Abroad

Government of Canada

The COVID-19 Emergency Loan Program for Canadians Abroad was introduced to help Canadians with no source of financing to come home.

Canadians and some Canadian permanent residents abroad who are directly affected by the impact of the COVID-19 can request a repayable emergency loan to help them return to Canada. To apply, contact:

or

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.

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.

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.

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.

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

  • The Canada Emergency Response Benefit (CERB) is extended by 8 weeks

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

Emergency aid for organizations supported by the CALQ

  • Download the form (French only)
  • Send an email

Some conditions apply.

COVID-19: $40 million budget from Fondaction for Quebec SMEs in the agri-food sector

Fondaction

Over the next year, Fondaction will make available to Quebec SMEs in the agri-food sector $40 million in funding to ensure their vitality.

Main eligibility criteria:

  • Profitability before the crisis
  • Strong prospects for growth
  • Solid management team

Business that would like to benefit from this funding should complete a form.They will be contacted by Fondaction’s investment experts who will evaluate their application and discuss flexible, personalized solutions.

Some conditions apply.

Financing from the Caisse de dépôt et placement du Québec

The CDPQ is making available to Quebec companies affected by measures to limit the spread of COVID-19 additional financial aid of $4 billion.

To be eligible, businesses must meet the following criteria:

  • have been profitable before the start of the COVID-19 crisis;
  • have a promising outlook for growth in their sector;
  • be seeking financing of over $5 million.

Some conditions apply.

Incentive Program to Retain Essential Workers (IPREW)

Ministère de l'Économie et de l'Innovation

Eligible essential workers during the pandemic could benefit from the IPREW to make up the difference between their salary and the Canada Emergency Response Benefit (CERB).

The application for aid can be completed online starting May 19, and the first payment is planned for May 27, 2020.

Non-exhaustive eligibility criteria:

  • Earn a gross salary of $550 or less per week;
  • Have annual employment income of at least $5,000 and total annual income of $28,600 or less;
  • Be at least 15 years old when you apply for IPREW benefits.

Some conditions apply.

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

  • Capital expenditures
  • Technology acquisition
  • Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Programme actions concertées pour le maintien en emploi (PACME–COVID-19) (joint action program for employee retention)

Ministère du Travail, de l'Emploi et de la Solidarité sociale

Please note that the program components Entreprises and Promoteurs collectifs have reached their maximum budgetary capacity. You can still check the possibility of joining a training project accepted under the Promoteurs collectifs component.

The PACME offers direct financial support to promote the training and management of employees of companies affected by the COVID-19 pandemic.

Reimbursement of eligible expenses for corporate training programs:

  • 100% of expenses of $100,000 or less;
  • 50% of expenses between $100,000 and $500,000.

Projects are accepted until September 30, 2020 or until the funding envelope of $100 million runs out.

Businesses and self-employed workers should contact a business advisor for their region.

Some conditions apply.

Temporary Aid for Workers Program (PATT COVID-19)

Ministère de l'Économie et de l'Innovation

WARNING!!

THE PROGRAM ENDED ON APRIL 10, 2020 TO PREVENT PROGRAM DUPLICATION (WITH THE CERB).

  • IF YOU REGISTERED OR SUBMITTED AN APPLICATION BEFOR 4:00 PM ON APRIL 10, 2020
    • YOUR FILE WILL BE PROCESSED AS USUAL.

If you are a Quebec worker who has been ordered into isolation by the Government of Canada, the Government of Quebec or another authority, you could receive $573 per week, for a period of at least 14 days of isolation.

To be eligible, you need to:

  • Be in isolation for one of the following reasons:
    • You have contracted the virus or have symptoms;
    • You have been in contact with an infected person;
    • You have returned from abroad.
  • Receive no compensation from your employer;
  • Have no private insurance;
  • Not be covered by government programs.

Some conditions apply.

Provincial measures

3. Municipal government (Montréal)

Free support to merchants to make a rapid digital shift - Lachine

City of Montreal

The Ville de Montréal offers small businesses and merchants free personalized support from experts.

These professionals can guide local merchants in developing a crisis action plan, choosing suppliers, implementing an e-commerce platform and more.

Some conditions apply.

Municipal measures (Montréal)

4. Private sector

Aid to Canadian manufacturers from the NGen Supercluster

Next Generation Manufacturing Canada (NGen) will invest up to $50 million in next-generation manufacturing projects by Canadian companies.

To be eligible, projects must target the production of technology, equipment and medical materials critical in the fight against COVID-19.

For projects that will have an immediate impact between April and the end of June 2020, up to 100% of eligible costs could be reimbursed. For projects that will have an impact after June 30, up to 50% of eligible costs could be covered.

For details, consult the presentation and project guides here and this descriptive document.

Some conditions apply.

MTL Resto Relief Fund

If you work at a Montréal restaurant, bar or café and you need monetary support to meet your urgent financial obligations, you can apply to the MTL Resto Relief Fund.

Some conditions apply.

Shopify Capital Funding

Shopify has launched a program for loans of up to $500,000 to support small businesses during the COVID-19 crisis.

This program is solely for Shopify clients.

Loans will be reimbursed from future sales.

For more information, connect to your Shopify account.

Some conditions apply.

SOCAN emergency aid program

The SOCAN has put in place a $2 million emergency aid program to help its members.

The financial aid is intended primarily for songwriters and screen composers affected by the crisis, particularly those whose shows have been cancelled or TV and film productions suspended.

The program takes the form of emergency advances on royalties.

Members who would like to submit an application can do so at

  • 1-866-307-6226

or

Some conditions apply.

Private sector measures

5. Other resources

You can also consult our other directories of programs not related to COVID-19.

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