Financial Support, Loans, and Credit


CEBA (Canada Emergency Business Account)
Interest-free loans for small businesses and not-for-profits

CERS (Canada Emergency Rent Subsidy)
Rent and mortgage support for qualifying organizations affected by COVID‑19

CEWS (Canada Emergency Wage Subsidy)
Help for businesses to keep or rehire employees

BCAP (Business Credit Availability Program)
Credit to help cover operating costs due to COVID‑19

RRRF (Regional Relief and Recovery Funds)
Help for businesses unable to access other support measures. Apply through your Regional Development AgencyFind your Regional Development Agency

BEP (Black Entrepreneurship Program)
The Black Entrepreneurship Knowledge Hub has issued a call for applications

Support for Indigenous businesses
Short-term, interest-free loans and non-repayable contributions

Large Employer Emergency Financing Facility
Bridge financing for Canada's largest employers facing financial challenges



Effective March 15, 2020 to March 14, 2021, and not limited to one specific sector or industry, the Government of Canada is introducing temporary special measures to the Work-Sharing Program:

  • Extension of the maximum possible duration of an agreement from 38 weeks to 76 weeks.
  • Mandatory cooling off period has been waived for employers who have already used the Work-Sharing program so that eligible employers may immediately enter into a new agreement.
  • Reduce the previous requirements for a Recovery Plan to a single line of text in the application form.
  • Reduce the requirement and expand eligibility to employers affected by accepting business who have been in business for only 1 year rather than 2, and eliminate the burden of having to provide sales/production figures at the same time.
  • Expand eligibility for staff who are essential to recovery, Government Business Enterprises (GBEs) and non-for-profit organization employers.