Small-business loans & financing across Canada
100 verified programs currently help Canadian small businesses pay for equipment, leaseholds, working capital and growth: all of them loans or financing you repay, across 13 provinces and territories. Every record shows amounts, the official source, and the date we last checked it. Verified as recently as July 5, 2026.
- 100
- verified programs
- 100
- loans & financing
- 13
- provinces & territories
Beyond one city
Canada-wide and province-wide programs
Targeted Manufacturing Initiative for Northern Ontario – Productivity Improvements
Up to 33% of costs
This Federal Economic Development Agency for Northern Ontario program helps established manufacturers in Northern Ontario invest in productivity. It…
Last verified July 2, 2026
Access to Capital
From $150,000
Access to Capital provides substantial, repayable funding through Community Futures Ontario. It helps small businesses and social enterprises secure…
Last verified July 2, 2026
Business Scale-up and Productivity (BSP) Stream
Up to $500,000
The Business Scale-up and Productivity Stream helps established Northern Ontario businesses modernize and expand. You can access up to $500,000 per…
Last verified July 2, 2026
Regional Artificial Intelligence Initiative (RAII) for Northern Ontario
Up to 50% of costs
This Federal Economic Development Agency for Northern Ontario program helps for-profit and not-for-profit organizations build or adopt AI. You…
Last verified July 2, 2026
ACOA — Business Development Program — Commercial Component
Up to 50% of costs
Launch, modernize, or expand your business with interest-free support from the Atlantic Canada Opportunities Agency. This program provides repayable…
Last verified July 3, 2026
Community Futures Network of Canada
Tap into a network of 267 non-profit offices across Canada that provide small business loans, training, and local support to help rural and remote…
Last verified July 2, 2026
ACOA — Regional Economic Growth through Innovation — Business Scale-up and Productivity
ACOA provides interest-free repayable contributions to help Atlantic Canadian businesses expand operations and adopt new technology. It is designed…
Last verified July 3, 2026
CED — Business Scale-up and Productivity — REGI for SMEs
Up to 50% of costs
Boost your Quebec SME with interest-free repayable funding for productivity and innovation projects. This program covers up to half your authorized…
Last verified July 3, 2026
BDC Financing — Certified Green Building Loan
Up to 100% of costs
Secure the capital you need to buy, build, or renovate a property with the goal of earning top-tier environmental certifications like LEED or Zero…
Last verified July 2, 2026
Canada Small Business Financing Program
Up to $1,000,000
This program makes it easier to get a business loan by having the government share the lending risk with your bank or credit union. You apply…
Last verified July 2, 2026
BDC Financing — Small Business Loan
Up to $350,000
Access flexible online financing from Canada's federal Crown corporation bank. Use these funds to scale operations, hire staff, or upgrade equipment…
Last verified July 2, 2026
BDC Financing — Commercial Real Estate Loan
This BDC commercial real estate loan helps established Canadian businesses acquire, expand, or renovate their premises. It also provides working…
Last verified July 2, 2026
BDC Financing — Start-up
Up to $150,000
BDC Start-up Financing provides the capital you need to turn your business plan into reality. Use these funds to purchase essential assets, cover…
Last verified July 2, 2026
BDC Financing — Working Capital Term Loan
Secure the cash you need for inventory, hiring, or daily operations without draining your current funds. This BDC term loan offers flexible repayment…
Last verified July 2, 2026
BDC Financing — Equipment Purchase Loan
Up to 125% of costs
Secure the machinery, vehicles, or tech you need to scale operations. BDC offers flexible loan terms including interest-only periods and long…
Last verified July 2, 2026
Technology Equipment Loan (BDC)
Secure the capital you need for digital infrastructure, IT equipment, and cybersecurity upgrades. This BDC loan supports your modernization efforts…
Last verified July 3, 2026
Réseau des SADC et CAE — Loans
Up to $300,000
Access locally managed financing and hands-on technical support for small businesses, youth entrepreneurs, and community projects across Quebec.
Last verified July 3, 2026
Community Futures Saskatchewan — Business Loans, Advice and Training
Flexible, affordable financing designed specifically for rural Saskatchewan entrepreneurs looking to launch, grow, or acquire a business.
Last verified July 3, 2026
Micro-Loan Program
Up to $15,000
This provincial loan program provides essential working capital and equipment funding for new or expanding businesses on Prince Edward Island.
Last verified July 2, 2026
Entrepreneur Loan Program
Up to $100,000
Secure the capital you need to start, improve, or expand your Prince Edward Island business with a flexible loan of up to $100,000 designed for real…
Last verified July 3, 2026
Community Futures Program Northwest Territories
Up to $200,000
Access community-backed capital and expert counseling to launch or expand your enterprise in the Northwest Territories. Local non-profits deliver…
Last verified July 2, 2026
Small Business Loan Guarantee Program
Up to $500,000
Access flexible term loans, working capital, or lines of credit to fund your start-up, purchase, or expansion. The province guarantees the loan to…
Last verified July 2, 2026
MicroEntreprendre
$2,000–$20,000
Access up to $20,000 in microcredit and hands-on support through a network of 20 Quebec organizations designed for entrepreneurs who cannot access…
Last verified July 2, 2026
Yukon Venture Loan Guarantee Program
Up to $100,000
This program helps Yukon startups and growing businesses access venture loans from participating financial institutions by reducing lender risk…
Last verified July 3, 2026
Fonds locaux d'investissement (FLI)
Up to $150,000
Partner with your local MRC to secure capital for startup, expansion, transformation, or succession projects. This program provides flexible…
Last verified July 2, 2026
Rise — Small Business Lending
$500–$10,000
Rise offers flexible micro-loans to help you build your business when traditional financing is out of reach. It provides the capital you need with…
Last verified July 2, 2026
Baffin Business Development — Financial Assistance
Secure financing for your commercially viable project through the Baffin Business Development Corporation. This loan supports start-ups, expansion,…
Last verified July 2, 2026
Prosper NWT — Term Loans
Up to $5,000,000
Secure the capital you need to expand, buy assets, or launch new projects in the Northwest Territories with flexible term loans tailored to your…
Last verified July 2, 2026
Community Futures British Columbia
Up to $1,000,000
Secure flexible loan financing for your startup, existing business, or non-profit in British Columbia. This program supports everything from initial…
Last verified July 2, 2026
Community Futures Alberta — Financial Supports
Up to $150,000
Secure the capital you need to grow your rural Alberta business with flexible loans designed for entrepreneurs. Enjoy transparent terms with no…
Last verified July 3, 2026
Evol — Conventional loan
$20,000–$450,000
Secure the capital you need for expansion, acquisition, or succession with a conventional loan tailored for businesses committed to social or…
Last verified July 3, 2026
Evol — Conventional start-up loan
$20,000–$100,000
Fuel your green or social-impact startup with flexible financing. This loan supports early-stage businesses aligned with UN Sustainable Development…
Last verified July 3, 2026
Food and Beverage Industry Financing (FCC)
Access tailored financing from Farm Credit Canada to build, expand, or equip your food and beverage operation anywhere in Canada. This loan supports…
Last verified July 2, 2026
CBDC Innovation Loan
Up to $150,000
Boost your productivity and grow your rural Atlantic Canadian business by financing new technology, products, or services. This loan helps you adopt…
Last verified July 2, 2026
CBDC General Business Loan
Up to $150,000
This flexible loan helps you grow or take over a business when standard financing is out of reach. It provides the capital you need for expansion or…
Last verified July 2, 2026
CBDC First-time Entrepreneur Loan
Up to $150,000
Turn your business idea into a thriving venture with up to $150,000 in flexible financing. This program pairs capital with expert counselling and…
Last verified July 2, 2026
Manufacturing and Processing Assistance — Operating Loan (Finance PEI)
Secure the working capital or equipment you need to scale your manufacturing or processing business in Prince Edward Island. Finance PEI provides…
Last verified July 3, 2026
Tourism Financing Assistance — Long-Term Loan (Finance PEI)
Finance PEI provides tailored lending for licensed tourism operators on Prince Edward Island, offering long-term capital loans for growth and…
Last verified July 3, 2026
PME MTL Investment Funds
Up to $300,000
Access flexible loan financing through PME MTL funds to launch or expand your private business, social enterprise, or cooperative in Montreal. These…
Last verified July 2, 2026
Impact Loan Program (CBDC)
Up to $50,000
Secure flexible financing to build your business in urban Atlantic Canada. This program offers low-interest loans through local Community Business…
Last verified July 3, 2026
Futurpreneur Canada Side Hustle
Up to $25,000
Launch or scale your side business while keeping your day job. You get access to capital, expert mentoring, and planning tools to build your venture…
Last verified July 2, 2026
Kivalliq Business Development Centre
Up to $150,000
KBDC provides essential financing and expert business counselling to help new and existing enterprises thrive across the Kivalliq region. It is…
Last verified July 5, 2026
CED — Targeted Support for Quebec's Economically Vulnerable RCMs (REGI)
Up to 75% of costs
This CED initiative under the REGI program offers flexible funding to help SMEs in eight specific Quebec RCMs grow their businesses. It provides…
Last verified July 3, 2026
Student Entrepreneurship
Up to $3,000
This program helps New Brunswick students turn their entrepreneurial ideas into real summer businesses. You get access to interest-free capital, with…
Last verified July 3, 2026
REGI — Business Scale-up and Productivity
Up to $500,000
Accelerate your growth by adopting new technology or expanding capacity with FedNor's REGI program. We provide repayable contributions to help…
Last verified July 2, 2026
Business Investment Program — Term Loan
This term loan helps SMEs in strategic sectors or with export potential bridge the gap when conventional funding falls short. It provides the capital…
Last verified July 2, 2026
Project Financing
Access a flexible suite of financing solutions designed to help Quebec businesses at any growth stage realize their projects, whether through debt,…
Last verified July 3, 2026
Manufacturing and Processing Assistance - Capital Loan
Secure the capital you need to modernize your operations with a flexible loan from Finance PEI. This program supports PEI manufacturers and…
Last verified July 3, 2026
Nunavut Business Credit Corporation
Access a full suite of credit facilities including term loans, construction financing, and guarantees designed to help Nunavut businesses secure the…
Last verified July 2, 2026
Columbia Basin Trust — Impact Investment Fund
Secure the capital you need to expand operations, buy equipment, or take over an existing business. The Columbia Basin Trust provides direct…
Last verified July 3, 2026
City programs
Ontario: 2 city programs
London Façade Improvement Loan
50% · up to $50,000
This interest-free City of London loan helps you modernize your exterior by covering half the cost of façade, signage, and window upgrades. You repay…
Last verified July 2, 2026
London Upgrade to Building Code Loan
50% · up to $200,000
Bring your commercial interior up to code with plumbing, electrical, HVAC, or fire protection upgrades. The City of London lends you 50% of the cost,…
Last verified July 2, 2026
Specific owner groups
For specific owner groups
These 47 programs are open only to specific owner groups, like women, Indigenous, young or newcomer founders. Worth a look if that's you.
BDC Financing — Newcomer Entrepreneur Loan
Up to $50,000
Designed for new immigrants, this BDC loan helps you build your business and establish credit in Canada, even if you lack a strong local credit…
Last verified July 2, 2026
BDC Financing — Inclusive Entrepreneurship Loan
Up to $350,000
Access flexible capital for equipment, technology, or expansion with a loan tailored to diverse leaders. Enjoy preferential rates and terms while…
Last verified July 2, 2026
BDC Financing — Indigenous Entrepreneur Loan
Up to $350,000
Access flexible financing from Canada's federal Crown-corporation bank to help you scale operations or modernize your business. This program is…
Last verified July 2, 2026
Youth Strategy
Up to $25,000
This loan program helps young Quebec entrepreneurs start or acquire a business with flexible repayment terms, including an interest holiday and a…
Last verified July 2, 2026
AWE — Loan Programs
Up to $150,000
Secure the capital you need to launch or expand your Alberta business with flexible loans designed specifically for women entrepreneurs. Access up to…
Last verified July 2, 2026
WeMB — Loans
$5,000–$150,000
Secure flexible financing for startup, expansion, or working capital needs. WeMB offers tailored loan structures for women-owned businesses in…
Last verified July 2, 2026
Community Futures Treaty Seven — Lending Services
Up to $25,000
Community Futures Treaty Seven offers accessible lending to help eligible members establish or expand their businesses when traditional banks say no.
Last verified July 2, 2026
WESK — Financing
Up to $150,000
Secure the capital you need to launch or expand your venture with WESK loans. You can access up to $150,000 directly, with potential for an extra…
Last verified July 2, 2026
Afro-Entrepreneurs Fund
$50,000–$500,000
Secure the capital you need to scale your manufacturing, retail, or service business in Quebec through this dedicated loan program for Black…
Last verified July 2, 2026
Two Rivers General Business Loan
Up to $1,250,000
This Indigenous financing program combines loans with contributions to support your startup, expansion, or acquisition goals, tailored for…
Last verified July 2, 2026
TACC First Citizens Fund (FCF) Loan
Up to $76,125
Access flexible, government-backed financing tailored for Aboriginal entrepreneurs in the Coast Salish Territory. Choose between the FCF Loan with…
Last verified July 2, 2026
WeBC — Business Loans for Women
Up to $150,000
Secure the capital you need to start, buy, or expand your market-ready business in British Columbia. This program pairs flexible financing with…
Last verified July 2, 2026
TACC Conventional Loan
Up to $76,125
Secure flexible, government-backed loans tailored for Aboriginal entrepreneurs in the Coast Salish Territory. Choose between high-limit conventional…
Last verified July 3, 2026
SMEDCO Loan Programs
Secure flexible financing packages designed to help Métis entrepreneurs in Saskatchewan launch new ventures, expand existing operations, or purchase…
Last verified July 2, 2026
Black Entrepreneurship Program – Black Entrepreneurship Loan Fund
$25,000–$250,000
This federal loan program provides essential financing to help Black entrepreneurs scale their operations, modernize their tools, and capture new…
Last verified July 3, 2026
WeBC — Business Loans for Youth
Up to $70,000
Partner with WeBC and Futurpreneur Canada to access unsecured funding that helps young women entrepreneurs scale their operations without needing…
Last verified July 3, 2026
First Peoples Economic Growth Fund — Entrepreneur Loan Program
Up to $200,000
Secure the capital you need to start, expand, or acquire a business with a subordinated interest-free loan designed specifically for Manitoba First…
Last verified July 2, 2026
Ulnooweg Women and Youth Business Loans
8% · up to $25,000
Ulnooweg's Women and Youth Lending offers Indigenous women and young entrepreneurs in the Atlantic provinces business loans of up to $25,000 at 8%…
Last verified July 3, 2026
Futurpreneur Canada Indigenous Startup Program (IESP)
Up to $75,000
Secure the funding and guidance you need to turn your vision into a thriving business. This program provides up to $75,000 in financing alongside up…
Last verified July 2, 2026
Micro Lending Program
Up to $5,000
Access flexible financing and non-repayable contributions through the Atlantic Indigenous Business Fund to start, expand, or acquire your business in…
Last verified July 3, 2026
SOCCA — Term loan for Indigenous businesses
Up to 70% of costs
Secure competitive financing for tangible assets like buildings and equipment. This program supports eligible Indigenous entrepreneurs in Quebec with…
Last verified July 2, 2026
WeMB — WEOC Loans
Up to $50,000
Access growth capital through the WEOC National Loan Fund, delivered by WeMB. This program provides flexible financing to help women-owned businesses…
Last verified July 2, 2026
Young Entrepreneur Loan (Farm Credit Canada)
Up to $2,000,000
Secure the capital you need to launch or expand your agricultural or food-related venture with a flexible loan tailored for young entrepreneurs.
Last verified July 2, 2026
Tecumseh — Loan Program
Secure flexible financing for start-up costs, expansion, or equipment purchases through the Tecumseh Community Development Corporation. This program…
Last verified July 2, 2026
WeBC — WEOC National Loan Fund
Up to $50,000
Access flexible financing to start, scale, or maintain your business. This national loan program is delivered in BC by WeBC to help women and…
Last verified July 2, 2026
WeMB — WeGreen Loans
$5,000–$150,000
Invest in sustainable assets like solar panels or energy-efficient equipment with a dedicated loan for women-led businesses in Manitoba, backed by…
Last verified July 2, 2026
WeMB — WeWork Loans
$5,000–$25,000
Secure short-term financing for working capital or expansion. WeMB offers flexible loan terms for women-owned businesses ready to scale their…
Last verified July 2, 2026
Women Entrepreneur Program (Farm Credit Canada)
Access lower-cost capital and valuable skill development resources designed specifically for women in agriculture, agribusiness, and food. It…
Last verified July 2, 2026
Waubetek — Indigenous Women Entrepreneur Loan Fund
Up to $50,000
Secure the capital you need to start or expand your business through Waubetek’s dedicated loan fund. This program provides structured financing and…
Last verified July 2, 2026
WeMB — WeMicro Loans
$5,000–$25,000
WeMB provides flexible short-term financing for women-owned businesses in Manitoba, helping you cover essential costs like inventory, payroll, or…
Last verified July 2, 2026
CDEM Investment Fund
Access risk capital through the CDEM Investment Fund to fuel your business growth. This program supports Manitoba businesses owned by Francophones in…
Last verified July 2, 2026
Alberta Indian Investment Corporation
AIIC provides interest-bearing loans to First Nation entrepreneurs to establish, acquire, diversify, or expand their businesses. In some cases,…
Last verified July 2, 2026
CBDC Youth Loan
Secure the capital you need to launch or grow your business in rural Atlantic Canada. This program provides flexible financing options with…
Last verified July 2, 2026
Kakivak Association — Makigiaqvik Loans
Up to $50,000
Makigiaqvik Loans provide reliable financing for Inuit-owned businesses in the Qikiqtani Region to establish or expand operations, with support from…
Last verified July 2, 2026
FIJE Fund
Up to $50,000
The FIJE Fund provides accessible financing to help women, immigrants, and young entrepreneurs in the Haute-Yamaska region build and expand their…
Last verified July 2, 2026
First Citizens Fund — Business Loan Program
Access flexible debt financing through Aboriginal Capital Corporations to help you sustain or expand your operations. This program is designed…
Last verified July 2, 2026
Commercial/Agriculture Loans
Access flexible financing for your First Nation-owned business in Saskatchewan. SIEF offers capital, operating, and participation loans to help you…
Last verified July 2, 2026
NADF Financing Solutions
Up to $500,000
Access flexible capital through NADF’s business loans and microloans, designed specifically to help Indigenous entrepreneurs in Northern Ontario…
Last verified July 3, 2026
First Peoples Economic Growth Fund — Community Economic Expansion Program
Up to $300,000
This program provides interest-free financing to help Manitoba First Nation-owned businesses launch, expand, or acquire assets. You get the capital…
Last verified July 2, 2026
CBDC Immigrant Loan program — Pilot Project
Up to $20,000
This CBDC pilot program provides accessible financing and advisory support to help temporary residents start or run a business. It welcomes seasonal…
Last verified July 2, 2026
NADF Indigenous Women in Business Program
Partner with NADF to access tailored financing and hands-on business training designed specifically for Indigenous women entrepreneurs. This program…
Last verified July 2, 2026
CBDC Newcomer Loan Program
Up to $20,000
This program provides essential capital to newcomers in Newfoundland and Labrador who are ineligible for standard support because of their residency…
Last verified July 2, 2026
Futurpreneur Canada Core Entrepreneur Startup Program for Students
Up to $75,000
Futurpreneur Canada helps young entrepreneurs aged 18 to 39 turn their ideas into reality with flexible financing and dedicated mentorship. You get…
Last verified July 2, 2026
Futurpreneur Canada Core Start-Up Program
Up to $75,000
Secure startup capital and expert guidance to turn your business idea into reality. This program pairs financing with mentorship to help young…
Last verified July 2, 2026
Futurpreneur Canada Newcomer Program
Up to $25,000
Get the capital and guidance you need to start a business in Canada. This program pairs up to $25,000 in financing with dedicated mentorship,…
Last verified July 2, 2026
Waubetek — Business loans
Up to $500,000
Secure the capital you need to start, expand, or buy a business in North Eastern Ontario. Waubetek offers flexible term and bridge loans designed…
Last verified July 2, 2026
Futurpreneur Canada Black Entrepreneur Startup Program
Up to $75,000
Secure equity-free funding and expert guidance to turn your vision into a thriving business. This program pairs flexible loan financing with hands-on…
Last verified July 3, 2026
Frequently asked questions
How many small-business loans are there in Canada right now?
100 verified programs are open as of our latest checks: all of them loans or financing you repay, across 13 provinces and territories. Programs open and close through the year, and every record shows the date we last verified it.
Are any of these grants?
No. Everything on this page is a loan or financing you repay: term loans, lines of credit, government-backed financing and repayable contributions. We keep loans and grants strictly separate so a repayable program never reads like free support. If you want money you don't repay, start from the main funding directory instead.
Who approves these applications?
Each program's administrator, usually the government body or organization that runs it, and never us. BBN Labs is an independent Canadian company, not a government agency. Applying through the official program site is always free.
Funding by upgrade
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Subject to program rules, available funding, and approval. Final decisions are made solely by each program administrator.