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COVID-19 Programs and Measures – Startups | SMEs

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Federal government

  • Agriculture and Food Business Solutions Fund 

    ​Farm Credit Canada
    If your agribusiness or agri-food company (including those involved in primary production, agri-tech, manufacturing, packaging and distribution) has been negatively affected by COVID-19, you could get convertible debt investments or other flexible financing solutions up to a maximum of $10 million to help you return to a sound financial footing.

  • BDC Co-Lending Program (BCAP) 

    ​Business Development Bank of Canada
    If your business has been affected by COVID-19, you could get up to $12.5 million to support your operational cash flow, co-financed by BDC and your primary lending institution.

  • BDC Mid-Market Financing Program 

    ​Business Development Bank of Canada
    If you’re a medium-sized business and need additional funding, beyond what is currently available through BCAP, you could get a commercial loan between $12.5 million and $60 million.

  • BDC – COVID-19 Working Capital loans 

    ​Business Development Bank of Canada
    If your business has been affected by COVID-19, and you are unable to secure financing from your bank, you could qualify to postpone your payments and/or get working capital loans of up to $2 million with flexible terms for a period of up to 6 months, as well as reduced rates on new eligible loans.

  • Boosted support from Farm Credit Canada 

    Farm Credit Canada
    Get a line of credit up to $500,000 to be used for working capital, operating expenses and purchases of land and equipment.

  • COVID-19 Support: Futurpreneur Canada 

    ​Futurpreneur Canada
    If you received a start-up loan from Futurpreneur prior to April 1, 2020, your payments will be covered from March 25 through to September 24, 2020. If you do not qualify for the Canadian Emergency Business Account, you can top up your loan to a maximum of $10,000, interest-free, with one year of deferred repayment, to help cover operating costs during this challenging period.

  • COVID-19 — Canada Seafood Stabilization Fund — CED for Quebec regions 

    ​Canada Economic Development for Quebec Regions
    If you are a Quebec business working in fish, seafood or aquaculture processing or packaging, you can get financial help to find storage solutions, invest in equipment for plant operations, and respond to new market demands.

  • COVID-19: Support for tourism operators (Parks Canada) 

    ​Government of Canada
    If you’re operating within the tourism industry in a Canadian national park, historic site, or marine conservation area, you could defer your payments on commercial leases or licences of occupation until September 1, 2020.

  • Calling all manufacturers to support COVID-19 efforts 

    ​Government of Canada
    If you are a Canadian manufacturer or a business that can help Canada meet the need for medical supplies, we need your help.

  • Canada Emergency Rent Subsidy (CERS) 

    ​Canada Revenue Agency
    If your business has been impacted by COVID-19, you could get a retroactive rent subsidy that covers up to 65% of eligible expenses to a maximum of $75,000 per business location, and $300,000 in total for all locations, with additional amounts for temporary closures. 

  • Canada Emergency Wage Subsidy (CEWS) 

    ​Canada Revenue Agency
    Get a temporary subsidy to cover a percentage of your employees’ wages until Novembre 4, 2021.

  • EDC — Loan Guarantee (BCAP) 

    Export Development Canada
    Get operating credit and cash flow term loans of up to $6.25 million through your financial institution, with 80% guaranteed by EDC.

  • EDC — Mid-Market Guarantee and Financing Program 

    ​Export Development Canada
    If you’re a mid-sized exporter, international investor or business selling your products or services within Canada, you can get a guarantee up to 75% on new operating credit and cash-flow loans ranging in size from $16.75 million to $300 million. More details will be made available soon.

  • EDC-BDC — Purchase Order Financing 

    Export Development Canada / Business Development Bank of Canada
    Get financing to cover up to 90% of the purchase order amount of contracts with international buyers. The funds are disbursed directly to you, allowing you to pay your suppliers on time and fulfill contracts as promised. You can pay the loan back as you get paid by the buyer.

  • Emissions Reduction Fund 

    ​Natural Resources Canada
    You could get a loan for your conventional or offshore oil or gas firm to help keep your workers in the field during COVID-19, and to support your investments to reduce greenhouse gas emissions in order to comply with provincial requirements or federal methane regulations.

  • FCC Advancer Loan 

    Farm Credit Canada.
    Are your operations expanding? Do you need additional funds? The FCC Advancer could be of interest.

  • FCC Credit Line 

    Farm Credit Canada
    ​Receive a pre-approved, renewable loan to help you meet your cash flow requirements and give you the working capital to pursue your activities.

  • Fish Harvester Grant 

    ​Service Canada
    If your fish harvesting business isn’t eligible for the Canada Emergency Business Account, you could get the equivalent in funding up to $10,000 to cover non-deferrable business costs.

  • ISC — COVID 19 - Reducing Airborne Hazards 

    ​Innovative Solutions Canada
    ​Get up to $150,000 to cover project expenses for up to 4 months in Phase 1 of this program. The challenge is to develop retrofit solutions that reduce airborne hazards and improve air quality within the enclosed spaces encountered by bus and rail travelers in order to improve the resilience to airborne infectious diseases. 

  • Indigenous Community Business Fund — Stream 2 

    ​Indigenous Services Canada
    Get a non-repayable contribution to cover eligible operating costs if your Indigenous business has experienced a significant reduction in revenues due to COVID-19.

  • Investing in Canada Infrastructure Program — COVID-19 Resilience stream 

    ​Infrastructure Canada
    Get funding in varying amounts to cover eligible costs up to $10 million for quick-start projects such as retrofits, repairs, upgrades and disaster mitigation in response to COVID-19.

  • NRC Pandemic Response Challenge Program 

    National Research Council
    If your organization offers its capabilities and expertise to help fight against COVID-19, you could get financing to cover the costs of collaborative R&D projects. The program is focused on 3 main research areas: rapid detection and diagnosis, therapeutics and vaccine development, and digital health.

  • NRC-IRAP Innovation Assistance Program 

    National Research Council Canada
    If your incorporated, early-stage business has fewer than 500 employees, is pursuing technology-driven innovation and is not eligible for the Canada Emergency Wage Subsidy, you can get a wage subsidy for your employees for up to 12 weeks during COVID-19.

  • Short-term compensation fund for Canadian audiovisual productions (in French only)

    ​Telefilm Canada
    Get funding to cover eligible expenses if you've had to interrupt production of more than one day of filming, or abandon production prior to the end of filming, due to a diagnosis or outbreak of COVID-19 on the set.

  • Strategic Innovation Fund — Funding to advance countermeasures in the fight against COVID-19 

    National Research Council Canada
    Get a non-repayable contribution to develop, adopt or adapt new or improved technologies at any stage of innovation.

  • Support for Indigenous SMEs and AFIs 

    ​Government of Canada
    If you operate a small or medium-sized Indigenous business that has been negatively affected by COVID-19, you could get a short-term, interest-free loan up to $30,000 or a non-repayable contribution up to $10,000 through an Aboriginal Financial Institution.

  • Support for the publishing and news sectors (in French only)

    ​Canadian Heritage
    Get support for your publishing or news organization to ensure that Canadians continue to get reliable information throughout the COVID-19 pandemic. Support measures include a simplified application and approval process for the Canada Book Fund and Canada Periodical Fund in 2020-21, as well as the establishment of a new advisory board to help determine your organization’s eligibility regarding new journalism tax measures. More details to come.

  • Temporary Wage Subsidy for Employers 

    ​Canada Revenue Agency
    Get a wage subsidy of up to $25,000 to cover 10% of the remuneration you paid from March 18, 2020 to June 19, 2020, up to $1,375 per eligible employee.

  • Tourism Relief Fund - Quebec 

    ​Canada Economic Development for Quebec Regions
    ​Do you own a business or organization involved in tourism in Canada? You may be eligible for financial assistance to adapt your operations to meet public health requirements and to develop or improve your services.

Federal measures

Provincial government

Provincial measures

Municipal government (Montréal)

Municipal measures (Montréal)

Private sector

  • BDC Co-Lending Program (BCAP) 

    ​Business Development Bank of Canada
    If your business has been affected by COVID-19, you could get up to $12.5 million to support your operational cash flow, co-financed by BDC and your primary lending institution.

  • Business assistance – Temporary support for working capital – COVID-19 (in French only)

    Société de développement des entreprises culturelles (SODEC)
    Do you own a Quebec company that operates in one of SODEC’s areas of activity and whose future is uncertain due to the COVID-19 pandemic? You could receive financial assistance to weather these difficult times.

  • Canada’s Digital Technology Supercluster’s COVID-19 Program 

    Canada's digital technology supercluster
    ​Do you own a company in the digital technology sector that could help mitigate the effects of COVID-19? Your project could be financed by Canada’s Digital Technology Supercluster.

  • Community Futures Network of Canada 

    ​Community Futures
    If your business is located in a rural community, and doesn’t qualify for the federal wage subsidy or other supports, you may be eligible for financial assistance through your Community Futures Network Canada to help continue your operations, including paying your employees, and to prepare for a successful recovery from the effects of COVID-19.

  • DEL's COVID-19 Loan 

    Développement économique de l'agglomération de Longueuil
    Is your business struggling with a lack of funds due to the pandemic? Get up to $100,000 to cover your working capital.

  • GoodSpark Fund 

    ​Desjardins
    ​Are you working on a project in education, environment, employment or entrepreneurship? You can bring it to life thanks to access to grants from a $150-million fund.

  • Invest-AI (in French only)

    ​Vooban
    Have you started your digital transformation and have one or more projects with an AI component? You could receive a grant to cover up to 50% of your activities.

  • MTL Resto Relief Fund 

    ​MTL Resto Relief Fund
    ​Do you work in a restaurant, café or bar and want to receive financial aid after losing your job? The MTL Resto Relief Fund can help.

  • Momentum Fund – Desjardins 

    ​Desjardins
    Are you working on a high-quality growth or job creation project? You can bring it to life thanks to grants from a $10-million fund.

  • Shopify Capital Funding 

    ​Shopify Capital
    ​Are you a Shopify merchant? If you are, you could receive a loan of up to $500,000 from Shopify.

  • Transformation numérique program (in French only)

    ​CIETECH
    ​Are you a merchant who wants to initiate a digital transformation in your business? You could receive 15 hours of support for a low price.

Private sector measures

Other resources

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

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