What funding can a small business in Ontario get?
83 verified funding programs are open to Ontario small businesses right now: 45 grants and rebates, 35 loans and financing programs, and 3 other supports. They range from Canada-wide federal programs to Ontario-specific ones, including grants from individual cities. Every record shows what it's worth, who qualifies, the official source, and the date we last checked it. Verified as recently as July 3, 2026.
- 83
- open right now
- 13
- Canada-wide
- 15
- Ontario-wide
- 36
- city & municipal
- 19
- for specific owner groups
Ontario-wide
Ontario-wide and regional programs
Some serve one region or sector; each card says who it's for.
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 Opportunities Investment Tax Credit
Up to $45,000
Boost your bottom line by claiming a 10% refundable corporate income tax credit on eligible commercial or industrial building expenditures in…
Last verified July 2, 2026
INVEST North Program — Innovation Stream
Up to $500,000
This matching grant from the Northern Ontario Heritage Fund Corporation helps you cover technical labour, prototyping, and testing for new products…
Last verified July 2, 2026
INVEST North Program — Investment — Launch Stream
Up to $200,000
INVEST North helps you build your new Northern Ontario business by reimbursing half of your eligible project costs. It is a matching grant that pays…
Last verified July 2, 2026
INVEST North Program — Investment — Grow Stream
Up to $400,000
This competitive program supports product-based and B2B businesses in Northern Ontario with a 20% cost-share contribution and an optional 30% term…
Last verified July 2, 2026
INVEST North Program — Investment — Locate Stream
Up to $5,000,000
INVEST North helps non-retail businesses bring new economic value to Northern Ontario by funding major capital projects. You can receive a…
Last verified July 2, 2026
Step Forward Entrepreneurs Program
Up to $10,000
Accelerate your growth with a matching grant that covers 50% of eligible costs for innovative products or services. You can access funding twice,…
Last verified July 2, 2026
Digital Modernization and Adoption Plan
Up to $15,000
Ontario B2B product companies can get 50% back, up to $15,000, on a Digital Modernization and Adoption Plan built with an approved consultant: an…
Last verified July 3, 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
Retrofit Program
Up to 50% of costs
The Retrofit Program helps Ontario businesses lower operating costs by covering up to 50% of eligible energy-efficiency upgrades like lighting, HVAC,…
Last verified July 2, 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
Retail Modernization Project Grant (RMPG)
Up to $5,000
Ontario shops can get 50% back, up to $5,000, on modern store technology: POS systems, inventory tracking, self-checkout kiosks, CRM and more. You…
Last verified July 3, 2026
Technology Demonstration Program (TDP)
Up to $50,000
Finished your DMAP? This Ontario program reimburses 50% of implementing it, up to $50,000: the platforms, software, integration work and one-time…
Last verified July 3, 2026
Canada-wide
Federal programs Ontario businesses can use
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
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
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
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
Northern Isolated Community Initiatives Fund
This funding stream under the Northern Isolated Community Initiatives Fund helps Northern agriculture and food businesses build a strong territorial…
Last verified July 2, 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
City & municipal
City programs in Ontario
Address-specific: designated areas and local rules decide, and many require approval before you spend.
Ottawa Centretown Heritage Façade Improvement Program
75% · up to $75,000
Bring new life to your designated heritage building on Bank Street or in Somerset Village. This program helps cover the costs of façade upgrades,…
Last verified July 2, 2026
Hamilton Commercial District Revitalization Grant (CDRG)
Up to $10,000
Hamilton helps you upgrade your exterior with a 50% match for façade, signage, awnings, and lighting. This funding makes your business stand out…
Last verified July 2, 2026
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 Vacant Commercial Space Fit-Out Grant
50% · up to $50,000
Transform an empty London storefront into a thriving business with up to $50,000 in support. The City of London covers 50% of eligible interior…
Last verified July 3, 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
Windsor Downtown Façade Improvement Program
Up to $20,000
This City of Windsor program helps you modernize your downtown exterior by reimbursing half the cost of approved façade and signage improvements, up…
Last verified July 2, 2026
Windsor Retail Reinvestment Grant
50% · up to $15,000
Refresh your downtown retail space with City of Windsor support that matches 50% of your interior renovation costs, up to $15,000, helping you…
Last verified July 3, 2026
Windsor Main Streets Façade Improvement Program
50% · up to $30,000
The City of Windsor matches 50% of your exterior improvement costs, helping you modernize your storefront on traditional Main Streets outside…
Last verified July 2, 2026
Kitchener Façade Grant Program
50% · up to $10,000
The City of Kitchener covers up to half the cost of exterior improvements, helping you modernize your shop front with rolling applications for…
Last verified July 2, 2026
Brampton Façade Improvement Program
50% · up to $20,000
Make your business stand out with a modern, inviting exterior. This program helps cover half the cost of façade and signage improvements, giving you…
Last verified July 3, 2026
Kingston Heritage Property Grant Program
50% · up to $50,000
Kingston helps you preserve and upgrade your heritage-designated building by covering 50% of approved conservation costs. It is a straightforward way…
Last verified July 2, 2026
Greater Sudbury Façade Improvement Program
50% · up to $20,000
This program helps you modernize your main street-facing façade and signage, covering half the cost up to $20,000. It is a straightforward way to…
Last verified July 3, 2026
Thunder Bay Commercial Façade Improvement Grant
50% · up to $10,000
Refresh your business presence with city support for exterior improvements like signs, awnings, and lighting. This program covers 50% of eligible…
Last verified July 2, 2026
St. Catharines Façade Improvement Program
50% · up to $10,000
This cost-share program reimburses 50% of eligible façade and signage costs for commercial buildings in St. Catharines, up to $10,000 per building…
Last verified July 3, 2026
Waterloo Commercial / Façade Improvement Grant (Uptown CIP)
Up to $10,000
Waterloo helps you upgrade your commercial space by covering 50% of eligible façade and storefront work. Corner properties can get up to $15,000,…
Last verified July 2, 2026
Peterborough Central Area Façade Improvement Grant
Up to $15,000
Peterborough helps you modernize your building's exterior by covering half the cost of façade, signage, or awning work. Corner properties can access…
Last verified July 3, 2026
Sarnia Building Façade Improvement Grant (CIP)
50% · up to $10,000
Refresh your commercial property in Sarnia's Downtown or Mitton Village areas with this cost-share program. It reimburses half of your eligible…
Last verified July 3, 2026
Richmond Hill Façade, Landscaping and Signage Improvement Grant
Up to $25,000
This cost-share program helps Richmond Hill business owners and tenants modernize their exterior appeal. You cover the upfront costs for façade,…
Last verified July 2, 2026
Oshawa Façade & Accessibility Improvement Grant
Up to $10,000
Boost your curb appeal and accessibility in downtown Oshawa with this city grant. It reimburses half of eligible construction costs, helping you…
Last verified July 2, 2026
Brantford Downtown Façade & Safety Improvement Grant
50% · up to $15,000
Refresh your commercial building's exterior with Brantford's Downtown Façade & Safety Improvement Grant. This program helps cover half the cost of…
Last verified July 3, 2026
Welland Downtown & Health Wellness Cluster Façade Improvement Grant
Up to $12,500
Welland’s Downtown and Health Wellness Cluster program helps you modernize your façade and signage. You receive a 50% match on eligible costs, with…
Last verified July 3, 2026
Chatham-Kent Façade Improvement Grant (CIP)
Up to 50% of costs
This Chatham-Kent grant helps you modernize your exterior by reimbursing half of your eligible façade and signage expenses. It is a cost-share…
Last verified July 2, 2026
Downtown Whitby & Brooklin CIP Facade Improvement Grant
Up to $10,000
Get matching funds to upgrade your building facade or signage in Downtown Whitby or Brooklin. You pay upfront for the improvements, then receive…
Last verified July 3, 2026
Historic Downtown Newmarket CIP — Facade Improvement & Restoration Program
Up to $15,000
Upgrade your building's exterior with matching grants and optional interest-free loans designed for heritage properties in Historic Downtown…
Last verified July 3, 2026
Aurora Promenade CIP — Facade & Signage Improvement Grant Program
Up to $15,000
Refresh your storefront with a matching grant that covers half your eligible exterior improvement costs. This program supports property owners in the…
Last verified July 2, 2026
Belleville Façade Improvement Program
Up to $15,000
Make your business stand out with a fresh look. This program reimburses you for half of eligible façade and signage costs, helping you attract more…
Last verified July 3, 2026
Façade and Signage Improvement Grant (Heart of the City CIP)
50% · up to $10,000
Refresh your downtown presence with Cornwall's Heart of the City CIP. This program helps you modernize your building exterior and signage, making…
Last verified July 2, 2026
Growth CIP Façade Improvement Grant
Up to $15,000
This North Bay grant helps you modernize your street-facing appearance while preserving heritage character. The city reimburses up to half your…
Last verified July 2, 2026
Downtown CIP Façade Improvement Grant
50% · up to $15,000
The City of Timmins helps you boost curb appeal with a Façade Improvement Grant that covers up to 50% of eligible costs. Funds are limited and…
Last verified July 2, 2026
Downtown Tomorrow CIP Façade Improvement Grant
Up to $5,000
Refresh your storefront with Orillia's Downtown Tomorrow Façade Improvement Grant. The 2026 application portal is open for eligible commercial,…
Last verified July 2, 2026
Comprehensive Façade Improvement Grant
Up to $12,500
Make your business stand out with funding for façade and signage improvements in Orangeville's Central Business District. This grant helps you…
Last verified July 2, 2026
Downtown Area Facade Improvement Program
Up to $30,000
Boost your curb appeal and draw more customers with Woodstock's Downtown Area Facade Improvement Program. You can access a one-time grant and an…
Last verified July 2, 2026
Facade and Structural Improvement Program
Up to $7,500
This Community Improvement Plan grant helps you restore street-facing exteriors and structural elements in Owen Sound's River District and Harbour…
Last verified July 2, 2026
Commercial Facade Improvement Grant
Up to $40,000
Boost your curb appeal with funding for exterior improvements and new signage. Fort Erie supports local businesses through its Community Improvement…
Last verified July 2, 2026
Commercial/Mixed Use Building Facade Improvement Grant Program
Up to $12,500
Refresh your storefront with support from the Downtown Grimsby Community Improvement Plan. This grant covers half the cost of eligible exterior…
Last verified July 3, 2026
Pembroke Façade Improvement Grant
50% · up to $20,000
Make your business stand out with a modern look. This program helps Pembroke business owners cover half the cost of exterior improvements, paid out…
Last verified July 2, 2026
Specific owner groups
Programs for women, Indigenous, young and newcomer founders
These 19 programs are open only to specific owner groups, like women, Indigenous, young or newcomer founders. Worth a look if that's you.
Aboriginal Entrepreneurship Program — Access to Capital
Up to $99,999
Secure non-repayable equity funding to start, expand, or acquire your business. This federal program supports Indigenous entrepreneurs through local…
Last verified July 2, 2026
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
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
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
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
Waubetek — Aboriginal Business Financing Program
Up to $99,999
Waubetek provides conditional contributions to help Indigenous entrepreneurs and First Nation communities in North-East Ontario establish, expand, or…
Last verified July 3, 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
Waubetek — Indigenous Women’s Entrepreneur Micro-Loan
Up to $20,000
Waubetek provides tailored financing and mentorship for Indigenous women entrepreneurs in North-Eastern Ontario. Whether you need startup capital,…
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
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
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
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 funding programs are open to Ontario small businesses right now?
83 verified programs are open as of our latest checks: 13 Canada-wide, 15 Ontario-wide, 36 city and municipal programs and 19 open only to specific owner groups. Programs open and close through the year, so every record shows the date we last verified it.
Are these grants or loans?
Both, clearly labelled. Of the 83 open programs, 45 are grants or rebates you don't repay and 35 are loans or financing you do repay. The remaining 3 are tax credits and mixed grant-and-loan programs. A loan is never dressed up as a grant. Every card says which it is.
Do city programs apply to every business in the city?
Usually not. Most municipal programs are address-specific: designated main streets, downtown districts or community-improvement areas decide who qualifies, and many require approval before you spend. Each record lists the rules we found and links the official source to confirm your address.
Who decides whether my business gets approved?
Each program's administrator, never us. BBN Labs is an independent Canadian company, not a government agency. We verify and explain the programs, and applying through the official program site is always free.
Funding in other provinces & territories
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Subject to program rules, available funding, and approval. Final decisions are made solely by each program administrator.