Small Business Loans & Financing across Canada
102 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 program shows amounts, the official source, and the date we last checked it. Verified as recently as .
- 102
- verified programs
- 102
- 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.
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Access to Capital
From $150,000
Access to Capital provides repayable financing through Community Futures Ontario. It helps small businesses and social enterprises that need money to…
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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.
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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.
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BDC: Business Purchase or Transfer Loan
A BDC loan to help you buy an existing Canadian business. It can fund buying a competitor or supplier, a management or employee buyout, taking over a…
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ACOA Business Development Program: Commercial Component
Up to 50% of costs
Interest-free repayable contributions from the Atlantic Canada Opportunities Agency (ACOA) to start, modernize, or expand a business.
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Community Futures Network of Canada
Community Futures has 267 non-profit offices across Canada. They provide small business loans, training and local support to entrepreneurs in rural…
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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.
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CED Business Scale-up and Productivity (REGI for SMEs)
Up to 50% of costs
Interest-free repayable funding for Quebec SMEs with productivity and innovation projects. It covers up to half of your authorized costs to buy new…
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BDC: Purchase Order Financing
Up to 90% of costs
A short-term BDC loan that helps Canadian businesses pay suppliers and production costs so they can fill a confirmed customer order when cash flow is…
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BDC Financing: Certified Green Building Loan
Up to 100% of costs
A BDC loan to buy, build or renovate a business property that you plan to get green certified, for example LEED or Zero Carbon.
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Canada Small Business Financing Program
Up to $1,150,000
This program makes it easier to get a business loan by having the government share the lending risk with your bank or credit union.
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BDC Financing: Small Business Loan
Up to $350,000
An online loan of up to $350,000 from BDC, Canada's federal Crown corporation bank. Use it for inventory, hiring and training, marketing, product…
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BDC Financing: Commercial Real Estate Loan
This BDC commercial real estate loan helps established Canadian businesses acquire, expand, or renovate their premises.
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BDC Financing: Start-up
Up to $150,000
A BDC loan of up to $150,000 for businesses that have operated at least 12 months. Use it to buy assets, pay start-up fees, buy a franchise, or pay…
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BDC Financing: Working Capital Term Loan
A BDC term loan for inventory, supplier payments, hiring and other working capital needs. You can pay interest only for up to 24 months at the start.
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BDC Financing: Equipment Purchase Loan
Up to 125% of costs
A BDC loan to buy new or used machinery, vehicles or technology for your business. BDC offers flexible loan terms, including interest-only periods…
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Technology Equipment Loan (BDC)
A BDC loan for IT equipment, software, cybersecurity and digital infrastructure. You pay interest only for the first 24 months and can take up to 8…
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Réseau des SADC et CAE: Loans
Up to $300,000
Local SADC and CAE offices across Quebec offer loans and practical business help to small businesses, youth entrepreneurs, and community projects.
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Community Futures Saskatchewan: Business Loans, Advice and Training
Loans for business owners in rural Saskatchewan who want to start, expand or buy a business.
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Micro-Loan Program
Up to $15,000
This provincial loan program offers working capital and equipment funding for new or expanding businesses on Prince Edward Island.
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Entrepreneur Loan Program
Up to $100,000
Finance PEI offers loans of up to $100,000 to start, improve or expand a business in Prince Edward Island.
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Community Futures Program Northwest Territories
Up to $200,000
Community Futures offices in the Northwest Territories offer loans, loan guarantees, wage subsidies and business counselling to help you start or…
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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.
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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…
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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…
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Fonds locaux d'investissement (FLI)
Up to $150,000
Your local MRC (regional county municipality) offers government-backed loans or loan guarantees for startup, expansion, transformation, or succession…
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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.
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Baffin Business Development: Financial Assistance
The Baffin Business Development Corporation (BBDC) lends money for commercially viable projects.
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Prosper NWT: Term Loans
Up to $5,000,000
Prosper NWT offers term loans to Northwest Territories businesses to expand, buy assets, or start new projects.
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Community Futures British Columbia
Up to $1,000,000
Community Futures offices offer flexible loans to startups, existing businesses and non-profits in British Columbia.
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Community Futures Alberta: Financial Supports
Up to $150,000
Community Futures Alberta offers loans to entrepreneurs with businesses in rural Alberta. The loans use simple interest, and the official page says…
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Evol: Conventional loan
$20,000–$450,000
Evol offers conventional loans for expansion, acquisition or succession projects to businesses with social or environmental goals.
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Evol: Conventional start-up loan
$20,000–$100,000
Evol lends to green and social-impact start-ups. This loan supports early-stage businesses aligned with UN Sustainable Development Goals and can pay…
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Food and Beverage Industry Financing (FCC)
Farm Credit Canada offers loans to food and beverage businesses anywhere in Canada to build, expand, or equip their operations.
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CBDC Innovation Loan
Up to $150,000
A loan for rural Atlantic Canadian businesses to pay for new technology, products, or services.
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CBDC General Business Loan
Up to $150,000
A loan to grow or take over a business when standard bank financing is hard to get. You can use it for expansion or working capital, with competitive…
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CBDC First-time Entrepreneur Loan
Up to $150,000
A loan of up to $150,000 for first-time entrepreneurs in rural Atlantic Canada. Local CBDCs also offer counselling and training with the loan.
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Manufacturing and Processing Assistance: Operating Loan (Finance PEI)
Up to 100% of costs
Finance PEI offers term loans to manufacturing and processing businesses in Prince Edward Island for inventory, day-to-day operating costs, and…
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Tourism Financing Assistance: Long-Term Loan (Finance PEI)
Up to 80% of costs
Finance PEI lends to licensed tourism operators on Prince Edward Island. It offers long-term loans for growth and construction, and operating loans…
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PME MTL Investment Funds
Up to $300,000
PME MTL funds offer loans to start or expand a private business, social enterprise, or cooperative in Montreal.
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Impact Loan Program (CBDC)
Up to $50,000
This program offers low-interest loans to businesses in urban Atlantic Canada through local Community Business Development Corporations (CBDCs).
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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…
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Kivalliq Business Development Centre
Up to $150,000
KBDC offers loans and business counselling to new and existing businesses across the Kivalliq region.
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CED: Targeted Support for Quebec's Economically Vulnerable RCMs (REGI)
Up to 75% of costs
This CED program under REGI helps SMEs in eight specific Quebec RCMs grow their businesses.
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Student Entrepreneurship
Up to $3,000
This program gives New Brunswick students an interest-free loan of up to $3,000 to start a summer business.
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REGI: Business Scale-up and Productivity
Up to $500,000
FedNor's REGI program provides repayable contributions to help Northern Ontario SMEs adopt new technology, expand capacity, and improve productivity.
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Business Investment Program: Term Loan
This term loan is for small and medium-sized businesses in strategic sectors or with export potential, when regular bank financing is not enough.
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Project Financing
Investissement Québec offers loans, investments, and government programs to help Quebec businesses at any growth stage carry out their projects.
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Manufacturing and Processing Assistance - Capital Loan
Finance PEI lends to manufacturers and processors in Prince Edward Island to buy or refurbish capital assets such as land, buildings and specialized…
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Nunavut Business Credit Corporation
The Nunavut Business Credit Corporation offers term loans, construction financing, loan guarantees and other credit to help Nunavut businesses…
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Columbia Basin Trust: Impact Investment Fund
The Columbia Basin Trust offers direct commercial loans for growth, succession and construction projects in the Columbia Basin.
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City programs
Ontario: 2 city programs
London Facade Improvement Loan
Up to $50,000
This interest-free City of London loan covers half the cost of facade, signage, and window improvements. You repay the loan over 10 years.
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London Upgrade to Building Code Loan
Up to $200,000
Bring your commercial interior up to code with plumbing, electrical, HVAC, or fire protection improvements.
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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…
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BDC Financing: Inclusive Entrepreneurship Loan
Up to $350,000
A BDC loan for businesses owned and led by women, Indigenous or Black entrepreneurs. Use it for equipment, technology or growth projects, at…
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BDC Financing: Indigenous Entrepreneur Loan
Up to $350,000
A loan from BDC, Canada's federal Crown corporation bank, for Indigenous entrepreneurs who want to grow or modernize their business.
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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…
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AWE: Loan Programs
Up to $150,000
Alberta Women Entrepreneurs offers flexible loans for women entrepreneurs who want to start or expand a business in Alberta.
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WeMB: Loans
$5,000–$150,000
Loans for startup, expansion or working capital. WeMB offers several types of loans for women-owned businesses in Manitoba.
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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.
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WESK: Financing
Up to $150,000
WESK lends money to women entrepreneurs in Saskatchewan to start or grow a business. You can borrow up to $150,000 from WESK, and an extra $50,000…
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Afro-Entrepreneurs Fund
$50,000–$500,000
A loan program for Black entrepreneurs in Quebec who want to grow a manufacturing, retail, or service business.
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Two Rivers General Business Loan
Up to $1,250,000
This financing program for Indigenous entrepreneurs combines loans with contributions for start-ups, expansions and acquisitions.
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TACC First Citizens Fund (FCF) Loan
Up to $76,125
Government-backed loans for Aboriginal entrepreneurs in the Coast Salish Territory. You can choose the FCF Loan, which includes partial forgiveness,…
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WeBC: Business Loans for Women
Up to $150,000
WeBC lends money to women who want to start, buy, or expand a market-ready business in British Columbia. The loans come with free advisory services.
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TACC Conventional Loan
Up to $76,125
Government-backed loans for Aboriginal entrepreneurs in the Coast Salish Territory. You can choose a conventional loan of up to $3,000,000 or the FCF…
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SMEDCO Loan Programs
SMEDCO offers flexible financing packages to help Métis entrepreneurs in Saskatchewan start a new business, expand an existing one, or buy a business.
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Black Entrepreneurship Program – Black Entrepreneurship Loan Fund
$25,000–$250,000
A federal loan program for Black business owners across Canada. Loans range from $25,000 to $250,000 for business development and growth.
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WeBC: Business Loans for Youth
Up to $70,000
WeBC and Futurpreneur Canada together offer unsecured loans to young women entrepreneurs in BC who want to start, buy, or grow a business.
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First Peoples Economic Growth Fund: Entrepreneur Loan Program
Up to $200,000
This program offers subordinated, interest-free loans to Manitoba First Nation entrepreneurs who want to start, expand, or acquire a business.
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Ulnooweg Women and Youth Business Loans
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%…
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Futurpreneur Canada Indigenous Startup Program (IESP)
Up to $75,000
This program provides up to $75,000 in loan financing and up to two years of dedicated mentorship for young Indigenous founders.
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Micro Lending Program
Up to $5,000
The Atlantic Indigenous Business Fund offers loans and non-repayable contributions to Indigenous entrepreneurs who want to start, expand, or buy a…
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SOCCA: Term loan for Indigenous businesses
Up to 70% of costs
SOCCA offers term loans at competitive rates for buildings, land, equipment and inventory. The loans are for eligible Indigenous entrepreneurs in…
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WeMB: WEOC Loans
Up to $50,000
A loan from the WEOC National Loan Fund, delivered by WeMB, for women-owned businesses in Manitoba that want to grow.
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Young Entrepreneur Loan (Farm Credit Canada)
Up to $2,000,000
A Farm Credit Canada loan for young entrepreneurs who want to start or grow an agricultural or food-related business.
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Tecumseh: Loan Program
The Tecumseh Community Development Corporation offers loans for start-up costs, expansion, or equipment purchases.
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WeBC: WEOC National Loan Fund
Up to $50,000
A loan to start, grow or keep running your business. This national loan program is delivered in BC by WeBC for women and non-binary business owners.
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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…
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WeMB: WeWork Loans
$5,000–$25,000
Short-term loans for working capital or expansion. WeMB offers these loans to women-owned businesses in Manitoba.
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Women Entrepreneur Program (Farm Credit Canada)
Farm Credit Canada's Women Entrepreneur Program is for women in agriculture, agribusiness and food.
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Waubetek: Indigenous Women Entrepreneur Loan Fund
Up to $50,000
Waubetek's loan fund lends up to $50,000 to Indigenous women entrepreneurs in North-Eastern Ontario who want to start or expand a business.
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WeMB: WeMicro Loans
$5,000–$25,000
WeMB offers short-term loans for women-owned businesses in Manitoba to cover costs like inventory, payroll or equipment.
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CDEM Investment Fund
The CDEM Investment Fund offers risk capital to Manitoba businesses owned by Francophones. You can use it to start a new business or expand an…
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Alberta Indian Investment Corporation
AIIC provides interest-bearing loans to First Nation entrepreneurs to establish, acquire, diversify, or expand their businesses.
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CBDC Youth Loan
Up to $150,000
A loan for young entrepreneurs who want to start or grow a business in rural Atlantic Canada. You arrange the loan through your local CBDC.
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Kakivak Association: Makigiaqvik Loans
Up to $50,000
Makigiaqvik Loans offer financing to Inuit-owned businesses in the Qikiqtani Region that want to establish or expand.
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FIJE Fund
Up to $50,000
The FIJE Fund offers loans of up to $50,000 to women, immigrants, and young entrepreneurs in the Haute-Yamaska region who want to build and expand…
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First Citizens Fund: Business Loan Program
The First Citizens Fund offers business loans through Aboriginal Capital Corporations to help Indigenous entrepreneurs in British Columbia sustain or…
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Commercial/Agriculture Loans
SIEF lends to First Nation-owned businesses in Saskatchewan: capital, operating and participation loans to expand operations or invest in growth.
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NADF Financing Solutions
Up to $500,000
NADF offers business loans and microloans to Indigenous entrepreneurs in Northern Ontario who want to start, grow, or keep running a business.
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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.
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CBDC Immigrant Loan program: Pilot Project
Up to $20,000
This CBDC pilot offers loans and advice to help temporary residents start or run a business.
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NADF Indigenous Women in Business Program
NADF offers financing and business training to Indigenous women entrepreneurs. This program supports start-ups and expansions that may not qualify…
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CBDC Newcomer Loan Program
Up to $20,000
This program offers loans to newcomers in Newfoundland and Labrador who cannot get standard support because of their residency status.
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Futurpreneur Canada Core Entrepreneur Startup Program for Students
Up to $75,000
Futurpreneur Canada offers young entrepreneurs aged 18 to 39 flexible financing and dedicated mentorship.
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Futurpreneur Canada Core Start-Up Program
Up to $75,000
This program pairs startup financing with mentorship for young Canadian entrepreneurs.
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Futurpreneur Canada Newcomer Program
Up to $25,000
This program helps newcomers start a business in Canada. It pairs up to $25,000 in loan financing with dedicated mentorship, and it is designed for…
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Waubetek: Business loans
Up to $500,000
Waubetek offers term loans and bridge loans to Aboriginal entrepreneurs who want to start, expand, or buy a business in North Eastern Ontario.
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Futurpreneur Canada Black Entrepreneur Startup Program
Up to $75,000
This program pairs flexible loan financing with hands-on mentorship for young Black entrepreneurs across Canada.
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Frequently asked questions
How many small-business loans are there in Canada right now?
102 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 program shows the date we last checked 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. You pay back every program on this page. If you want money you don't repay, start from the main funding directory instead.
Who approves these applications?
Each program's administrator decides, usually the government body or organization that runs it, never us. BBN Labs is an independent Canadian company, not a government agency. Applying through the official program site is always free.
Guides
Read before you apply
Guides for the programs on this page: what they pay for, what is not covered, and how to apply.
Guide · updated
Loans to Buy a Business or Franchise in Canada (2026)
Loans to buy a business or franchise in Canada: BDC for loans over $350,000, the bank-backed CSBFP, community lenders and programs for…
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CSBFP loans: up to $500,000 for renovations and equipment
CSBFP loans run up to $1,000,000, including up to $500,000 for renovations and equipment.
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Business Development Loans in Atlantic Canada: $150K to $500K (2026)
Business development loans in NS, PEI, NB and NL: CBDC loans up to $150,000, the NS loan guarantee up to $500,000, PEI's entrepreneur loan…
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Small Business Loans in Yukon and the 65% Loan Guarantee
Yukon backs 65% of your bank loan, up to $100,000 of it. The territory also shares up to 75% of project costs, and the federal CSBFP backs…
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Small Business Grant Deadlines in Canada for 2026
How Canadian small-business grant deadlines work: fixed windows, year-round intakes, budgets that run out, and review rounds, with 2026…
Funding by what it pays for