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 yesterday.
- 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.
Checked yesterday
Access to Capital
From $150,000
Access to Capital provides substantial, repayable funding through Community Futures Ontario.
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
BDC Financing — Commercial Real Estate Loan
This BDC commercial real estate loan helps established Canadian businesses acquire, expand, or renovate their premises.
Checked yesterday
BDC Financing — Start-up
Up to $150,000
BDC Start-up Financing provides the capital you need to turn your business plan into reality.
Checked yesterday
BDC Financing — Working Capital Term Loan
Secure the cash you need for inventory, hiring, or daily operations without draining your current funds.
Checked yesterday
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…
Checked yesterday
Technology Equipment Loan (BDC)
Secure the capital you need for digital infrastructure, IT equipment, and cybersecurity upgrades.
Checked yesterday
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.
Checked yesterday
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.
Checked 5 weeks ago
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
Fonds locaux d'investissement (FLI)
Up to $150,000
Partner with your local MRC to secure capital for startup, expansion, transformation, or succession projects.
Checked yesterday
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.
Checked yesterday
Baffin Business Development — Financial Assistance
Secure financing for your commercially viable project through the Baffin Business Development Corporation.
Checked yesterday
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…
Checked yesterday
Community Futures British Columbia
Up to $1,000,000
Secure flexible loan financing for your startup, existing business, or non-profit in British Columbia.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
CBDC Innovation Loan
Up to $150,000
Boost your productivity and grow your rural Atlantic Canadian business by financing new technology, products, or services.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
Student Entrepreneurship
Up to $3,000
This program helps New Brunswick students turn their entrepreneurial ideas into real summer businesses.
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
Project Financing
Access a flexible suite of financing solutions designed to help Quebec businesses at any growth stage realize their projects, whether through debt,…
Checked yesterday
Manufacturing and Processing Assistance - Capital Loan
Secure the capital you need to modernize your operations with a flexible loan from Finance PEI.
Checked yesterday
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…
Checked yesterday
Columbia Basin Trust — Impact Investment Fund
Secure the capital you need to expand operations, buy equipment, or take over an existing business.
Checked yesterday
City programs
Ontario: 2 city programs
London Facade Improvement Loan
Up to $50,000
This interest-free City of London loan helps you modernize your exterior by covering half the cost of facade, signage, and window upgrades.
Checked yesterday
London Upgrade to Building Code Loan
Up to $200,000
Bring your commercial interior up to code with plumbing, electrical, HVAC, or fire protection upgrades.
Checked yesterday
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…
Checked yesterday
BDC Financing — Inclusive Entrepreneurship Loan
Up to $350,000
Access flexible capital for equipment, technology, or expansion with a loan tailored to diverse leaders.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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…
Checked 5 weeks ago
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…
Checked yesterday
TACC First Citizens Fund (FCF) Loan
Up to $76,125
Access flexible, government-backed financing tailored for Aboriginal entrepreneurs in the Coast Salish Territory.
Checked yesterday
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.
Checked yesterday
TACC Conventional Loan
Up to $76,125
Secure flexible, government-backed loans tailored for Aboriginal entrepreneurs in the Coast Salish Territory.
Checked yesterday
SMEDCO Loan Programs
Secure flexible financing packages designed to help Métis entrepreneurs in Saskatchewan launch new ventures, expand existing operations, or purchase…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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%…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
Tecumseh — Loan Program
Secure flexible financing for start-up costs, expansion, or equipment purchases through the Tecumseh Community Development Corporation.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
Women Entrepreneur Program (Farm Credit Canada)
Access lower-cost capital and valuable skill development resources designed specifically for women in agriculture, agribusiness, and food.
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
Alberta Indian Investment Corporation
AIIC provides interest-bearing loans to First Nation entrepreneurs to establish, acquire, diversify, or expand their businesses.
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
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…
Checked yesterday
First Citizens Fund — Business Loan Program
Access flexible debt financing through Aboriginal Capital Corporations to help you sustain or expand your operations.
Checked yesterday
Commercial/Agriculture Loans
Access flexible financing for your First Nation-owned business in Saskatchewan. SIEF offers capital, operating, and participation loans to help you…
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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.
Checked yesterday
NADF Indigenous Women in Business Program
Partner with NADF to access tailored financing and hands-on business training designed specifically for Indigenous women entrepreneurs.
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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…
Checked yesterday
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,…
Checked yesterday
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…
Checked yesterday
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.
Checked yesterday
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.
Guides
Read before you apply
Answer-first guides for the programs on this page: what pays, what's excluded, and how to apply without losing the funding.
Guide · updated
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.
Guide · updated
Business Development Loans 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 $100,000…
Guide · updated
Small Business Loans Yukon (2026): the 65% Loan Guarantee
Small business loans and funding in Yukon: the territory backs 65% of your bank loan, up to $100,000 of it, plus cost-share up to $100,000…
Guide · updated
Small Business Grant Deadlines in Canada: 2026 Close Dates
Canadian small-business grant deadlines explained: fixed windows, year-round intakes, budgets that run out, and review rounds, with real…
Funding by upgrade
Not sure which one fits?
Tell us about your business and what you have in mind. You'll see which of these programs may fit, free, plus an honest read on the rules.
Free No obligation About 2 minutes
Subject to program rules, available funding, and approval. Final decisions are made solely by each program administrator.