Canada Small Business Financing Program


Annual Revenue:

  • Less than $10,000,000 in the application year

Time in Business:


  • Personal guarantee required starting at 25% of the loan
  • Business is for profit and is not a farm, charity, or religious enterprise
  • The assets purchased or improved must be used in your business

Typical Range

Up to $1,000,000


Payment Schedule: – Choice of the following:

  • Floating rate principal plus interest
  • Floating rate principal including interest (blended payments)
  • Fixed rate principal plus interest rate
  • Fixed rate principal including interest (blended payments)

Timeliness to Fund:

  • Varies significantly – if needing to prove eligibility an online application is submitted for review/ potential interview.

Origination & Interaction Model:

  • Apply online. In person interview required

Other Features:

  • Purchases made within the past six months are eligible for financing
  • Equipment loans up to a 10-year amortization
  • Leasehold improvements up to a 7-year amortization
  • Real property loans/ immovable up to 15-year amortization