What grants and funding can a small business in Newfoundland and Labrador get?
Updated August 2026 · 41 programs verified
41 verified funding programs are open to Newfoundland and Labrador small businesses right now: 6 grants and rebates, 35 loans and financing programs. They range from Canada-wide federal programs to Newfoundland and Labrador-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 yesterday.
- 41
- open right now
- 13
- Canada-wide
- 9
- Newfoundland and Labrador-wide
- 1
- city & municipal
- 18
- for specific owner groups
Newfoundland and Labrador-wide
Newfoundland and Labrador-wide and regional programs
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
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
takeCHARGE Business Efficiency Program
Up to $100,000
TakeCHARGE helps commercial businesses in Newfoundland and Labrador reduce energy consumption through tailored efficiency projects.
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
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
Business Growth Program
Up to $200,000
This program provides non-repayable contributions to help you start, innovate, or scale your business.
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
Canada-wide
Federal programs Newfoundland and Labrador 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…
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
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
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
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…
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
City & municipal
City programs in Newfoundland and Labrador
Address-specific: designated areas and local rules decide, and many require approval before you spend.
Specific owner groups
Programs for women, Indigenous, young and newcomer founders
These 18 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…
Checked yesterday
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
Aboriginal Business Financing Program (ABFP)
Up to 75% of costs
The Aboriginal Business Financing Program provides non-repayable contributions to Indigenous entrepreneurs and community-owned businesses in the…
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
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
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
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
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
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
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
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
Decision guide
Which program should you start with?
- You want money you don't repay →
- Start with the 4 grants and rebates on this page — sorted by cap in the table above.
- You can repay and need bigger capital →
- 19 loans and financing programs serve Newfoundland and Labrador, up to $1,150,000 on record. A loan is never dressed up as a grant here.
- Your business has a street address in a program city →
- City programs (St johns) are address-specific — designated streets and districts decide, so check your city's record first.
- Not sure where to start →
- The free 2-minute fit check matches your business, city and project to this list and shows what may fit.
Deadlines
The application calendar
Verified intake deadlines, grouped by quarter. Deadlines move — the date on each record shows when we last checked it.
Q4 2026
- takeCHARGE Business Efficiency Program — closes December 31, 2026
22 open programs have no fixed deadline on record — those intakes can close whenever budgets run out.
Frequently asked questions
How many funding programs are open to Newfoundland and Labrador small businesses right now?
41 verified programs are open as of our latest checks: 13 Canada-wide, 9 Newfoundland and Labrador-wide, 1 city or municipal program and 18 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 41 open programs, 6 are grants or rebates you don't repay and 35 are loans or financing you do repay. 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.
Closed right now · re-checked weekly
Programs close and reopen on their own cycles. These Newfoundland and Labrador programs are closed at our last weekly check — each page shows what the program offered, what may replace it, and a reopen alert you can join.
Sources
Every record on this page links its official source. The programs above are verified with:
- 1. bdc.ca · 10 programs
- 2. cbdc.ca · 7 programs
- 3. futurpreneur.ca · 6 programs
- 4. fcc-fac.ca · 3 programs
- 5. ulnoowegdevelopmentgroup.ca · 3 programs
- 6. canada.ca · 2 programs
- 7. gov.nl.ca · 2 programs
- 8. communityfuturescanada.ca · 1 program
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
Startup Loans & Grants in Newfoundland & Labrador (2026)
Startup money in NL: a provincial grant normally covering 50% up to $200,000, term loans at Bank of Canada rate + 0.5%, ACOA financing and…
Guide · updated
Small business funding checklist: approval before you start
Most business funding programs can rule work started before approval ineligible. The readiness checklist: quotes, matching funds,…
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…
Guide · updated
Small Business Website Funding in Canada: What Grants Cover
Does your small business need a website in 2026? What a working site must do, the cost of skipping it, and which digital-adoption programs…
Guide · updated
CDAP Replacement 2026: Digital Adoption Grants Up to $50,000
CDAP closed in 2024. What exists in 2026: BDC's LIFT financing, Ontario's TDP (50% up to $50,000) and RMPG grants, and how to avoid 'new…
Starting a business here? See the startup funding map for every province →
Funding in other provinces & territories
Skip the reading
Tell us what you're upgrading and where in Newfoundland and Labrador you are. You'll see which of these programs may fit, free, in about 2 minutes.
Free No obligation About 2 minutes
Subject to program rules, available funding, and approval. Final decisions are made solely by each program administrator.