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به شما اطلاعات مهمی راجع به چگونگی انتخاب یک متخصص مهاجرت دارای صلاحیت ارائه می کند.  

مهاجرت هرگز آسان نیست و تعاملی پیچیده از منطق و احساس است. تصویری است از رویای زندگی بهتر از ورای هزارتوی پر پیچ وخم تصمیمات واقعی و چالش برانگیز. مهاجرت بسیار فراتر از تنها به آنجا رسیدن است بلکه گذری مخاطره آمیز است از آنچه تا کنون ساخته اید به سمت آنچه می خواهید بسازید. بنابراین مهاجرت هرگز هدف نیست ، بلکه وسیله ای است برای رویا های شما. اگر آنها  نادرست ، ساده لوحانه و خلاف واقع تعریف شده باشند ریسک شما برای رسیدن بی ثمر خواهد بود. بنابراین ، بسیار مهم است که قبل از جست و جو برای یک متخصص مهاجرت، به خوبی راجع به اهدافتان فکر کنید. 

وکیل شما می تواند، قبل از اینکه بخواهید دست به اقدامی بزنید، نقش بسیار مهم و سازنده ای در کمک به شما در تأیید و ارزیابی دقیق اهدافتان داشته باشد. از طرف دیگر ، نماینده شما می تواند با توسل به احساسات شما نقش مخربی بازی کرده و امیدهایی واهی را برای شما به قصد عقد قرارداد و انتفاع مالی، ترسیم و ارائه کند. پیدا کردن نماینده ای که واقعاً برای شما اهمیت قائل شود و پشتیابانی و حمایتی به شما ارائه کند که شایسته اش هستید، بسیار دشوار است. بهترین راه این است که قبل از تصمیم گیری، بیشترین افراد دارای صلاحیتی را که می توانید ملاقات کنید تا بتوانید بهترین را از میانشان انتخاب کنید. اما با وجود هزاران نفر متخصصین مهاجرت در کانادا شما به یک استراتژی برای تهیه یک لیست کوتاه از افراد مد نظر نیاز دارید. سپس می بایست از صلاحیت ها و مجوز های آن افراد اطمینان حاصل کنید: 

نمایندگان مجاز 

فقط تعداد معدودی از افراد هستند که می توانند شما را به صورت قانونی در پرونده های مهاجرتی نمایندگی کنند: 

  1. وکیل و یا پارالیگالی که عضو رسمی کانون وکلای یکی از استان ها و یا مناطق کانادا باشد؛ 
  2. مشاورین مهاجرت (RCIC) که عضو رسمی ICCRC باشند؛

اختلافات زیادی بین یک وکیل ، پارالیگال و مشاور مهاجرتی وجود دارد. مهمترین آنها عبارتند از:

  1. وکلا و پارالیگال ها (در انتاریو) توسط کانون وکلای استان مدیریت شده و می بایست از استاندارد های بسیار بالای اخلاقی و حرفه ای تبعیت کنند. کانون های وکلا در اجرای این استاندارها بسیار سخت گیرتر و موثر تر از ICCRC است که مسئولیت مدیریت مشاورین مهاجرت را بر عهده دارد؛   
  2. برای دریافت مجوز ، وکلا به 7 سال تحصیلات پس از دوره متوسطه از جمله سه سال در دانشکده حقوق نیاز دارند و باید در آزمون کانون وکلا قبول شوند. پارالیگال ها به 1 تا 2 سال تحصیلات بعد از دوره متوسطه نیاز دارند و باید در آزمون لایسنسینگ قبول شوند. مشاوران مهاجرت می بایست برنامه تحصیلی ای که مورد تایید ICCRC باشد (3 تا 6 ماه) را گذرانده و در آزمون لایسنسینگ قبول شوند؛
  3. فقط وکلا می توانند موکلین خود را در دادگاه فدرال نمایندگی کنند؛

تایید صلاحیت نماینده مورد نظر

همیشه می بایست از صلاحیت های فردی که برای نمایندگی انتخاب می کنید، اطمینان حاصل کنید: 

  • برای وکلا، می بایست نام آنها را در سایت کانون وکلای استانی که در آن فعالیت می کنند جست و جو کنید. مثلا برای اونتاریو می بایست اینجا را ببینید؛
  • برای مشاورین مهاجرت می بایست نام آنها را در سایت ICCRC در این آدرس جست و جو کنید؛ 
  • پارالیگال ها تنها در استان اونتاریو می بایست عضو کانون وکلا باشند و در این صورت می توانید نام آنها را اینجا جست و جو کنید؛

اگر نام مورد نظر شما در این جست و جو پیدا نشد، از کار کردن با آن فرد صرف نظر کنید چون اداره مهاجرت پرونده شما را قبول نخواهد کرد.

 

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به شما دیدگاهی در مورد آنچه کانادا را به یک مقصد برتر در رونق و شکوفایی کسب و کار تبدیل می کند، ارائه میکند.

به قول نخست وزیر کانادا، جاستین ترودو:

 […]”چه کسب و کار خود را در کانادا بنا نهاده باشید چه در حال بررسی کانادا برای این امر باشید – اطمینان دارم که سرمایه گذاری در کانادا یکی از بهترین تصمیماتی خواهد بود که امسال برای گسترش کسب و کار خود خواهید گرفت.”

به این ادعا، مثل ادعای هر سیاستمدار شایسته دیگری، نباید بدون راستی آزمایی اعتماد کرد:

استعداد در کانادا

یکی از ملاحظات اساسی برای هر کسب و کار، دسترسی به نیروی کار با استعداد است. براساس اعلام OECD ، کانادا دارای بیشترین قشر تحصیلکرده در جهان است. همه ساله کانادا باهوشترین افراد را به دانشگاه های برجسته و ممتاز خود جلب میکند. موسسات آموزشی و دانشگاههای کانادا شاهد افزایش 25 درصدی برنامههای بینالمللی در سال 2019 بودند و کانادا در حال حاضر چهارمین مقصد محبوب جهان برای دانشجویان بین المللی است. کانادا به عنوان پیشگام جهانی در تحقیقات دانشگاهی، سایر کشورهای G7  را ترغیب به سرمایه گذاری در بخش آموزش عالی میکند.

نیروی کار کانادا نیز تنوعی بالغ بر 200 زبان مختلف دارد و این تعداد هر ساله در حال افزایش است. کانادا با ارائه چندین برنامه دولتی برای سهولت در انتقال، از دانشجویان و استعدادهای بین المللی استقبال میکند. دانشجویان انتقالی 22٪ از جمعیت کانادا را تشکیل میدهند، و بخش اصلی کارگران ماهر را تشکیل میدهند و نیمی از کل مشاغل مرتبط با علوم، فناوری و مهندسی در کانادا را به خود اختصاص میدهند.

کانادا برنامه استراتژی مهارتهای جهانی(Global Skills Strategy) را برای آسانتر و سریعتر کردن روند برای کسب و کارها در جذب استعدادهای مورد نیاز خود ارائه کرده است. کارگران خارجی واجد شرایط با درخواستهای تایید شده توسط کارفرمایان می توانند مجوز کار را ظرف دو هفته دریافت کنند. علاوه بر سرعت، کارفرمایان از طریق یک تیم اختصاصی و آگاه از افسران آموزش دیده مهاجرت که چشم انداز شرکتهای جدید در عرصه جهانی را درک می کنند، حمایت می شوند. 

این سیستم کارا و موثر به این معناست که کانادا طبق امتیازات سالانه استعدادهای درخشان CBRE ، در جذب استعداد (مغزها) رده بندی بالایی را بدست آورده است. شهرهای تورنتو، ونکوور، مونترال و اتاوا در سال 2017 در مجموع بیش از 65000 کارگر ماهر جذب کردند. این میزان جذب استعداد فنی در مقایسه با سان فرانسیسکو (بیش از 46،592) و سیاتل (بیش از 10 هزار و 118) بسیار قابل توجه است.

فناوری و نوآوری در کانادا

کانادا در حال حاضر  “Silicon Valley of North”  لقب گرفته است و در حالی که تنها 38 میلیون نفر جمعیت دارد، در بخش نوآوری بسیار موفق عمل کرده است. برخی حتی کانادا را “مرکز رشد فناوری جهان” میدانند. اکوسیستم نوآوری کانادا توسط دانشجویان در حوزه علوم، فناوری، مهندسی و علوم ریاضی که روزانه به نیروی کار متنوع و ماهر کانادا میپیوندند، به شدت تقویت میشود. دانشگاه های کانادا، جزو بهترینها در جهان هستند و نقش مهمی در ایجاد نوآوری و کسب و کارهای جدید دارند. مراکز رشد مستقر در دانشگاههای کانادایی همواره در بین 10 دانشگاه برتر جهان قرار میگیرند و از این بین DMZ در دانشگاه Ryerson در رده 1 جهانی قرار دارد. دانشگاهها و کالج های کانادا اکنون پیشتاز جهانی در صنعت آموزش تعاونی هستند که مطالعات دانشگاهی را با تجربیات دنیای واقعی ادغام میکنند. به همین دلیل است که فارغ التحصیلان کانادایی مهارت و دانش لازم را برای پیشبرد برنامه نوآوری کانادا و ایجاد کسب و کارهای ملموس دارای نتایج واقعی به ارمغان می آورند.

تقاضای جهانی برای تحصیل در کانادا با افزایش 154 درصدی دانشجویان بینالمللی بین سالهای 2010 و 2018 در حال افزایش است. در سال 2019 به بیش از 721،000 دانشجو مجوز تحصیل در کانادا داده شد. پیشبینی میشود این آمار و ارقام همچنان در آینده افزایش یابد، زیرا کانادا همواره در بین مطلوب ترین مقصدها برای دانشجویان بین المللی برای ادامه تحصیل قرار میگیرد. دلایل این امر 1) کیفیت سیستم آموزش کانادا، 2) شهرت کانادا به عنوان یک جامعه آزادمنش و به دور از تبعیض و 3) شهرت کانادا به عنوان یک کشور امن، است.

کانادا جایگاه ششم جهان در عملکرد علمی و آموزشی در ریاضیات، علوم و مطالعه را به خود اختصاص داده است. دانشگاههای این کشور 1 میلیارد دلار در زمینه تحقیق در مورد کسب و کارها و کمک به اصلاح مزیت رقابتی آنها هزینه میکنند. هم اکنون بیش از 42 انکوباتور در کانادا وابسته به 96 دانشگاه کانادایی وجود دارد.

کانادا در طراحی برنامه های مهاجرتی که به طور خاص استعدادهایی را هدف قرار میدهند که میتوانند مقاصد نوآورانه کانادا را پیش ببرند، نیز پیشگام است. برنامه ویزای استارت آپ شاید مهمترین این برنامه ها باشد. این برنامه امکان مهاجرت 5 نفر از بنیانگذاران استارتاپ به همراه خانواده های خود به کانادا برای شروع و توسعه کسب و کار نوآورانه خود را میدهد.

میزان سرمایهگذاری در استارتآپ با سرعت بیسابقهای در حال افزایش است. ارقام سال 2019 نشان میدهد که رقم سرمایه گذاری صندوقهای سرمایه گذاری خطرپذیر در کانادا در این سال به رکورد جدید 2/6 میلیارد دلار رسیده است. این میزان، افزایش 69٪ نسبت به سال 2018 را نشان میدهد. همچنین ارزش قراردادها افزایش نویدبخشی نسبت به سالهای گذشته نشان میدهد که نشان دهنده افزایش نرخ scaling استارت آپ در کانادا است. متوسط ​​ارزش قراردادها در سال 2019 دو برابر متوسط دوره 5 ساله قبلی شد و به رقم 6/11 میلیون دلار رسید.

برای اطلاعات بیشتر در مورد بازار سرمایه گذاری خطرپذیر کانادا، “فتح قله های جدید توسط سرمایه گذاری VC کانادا در سال 2019” را بخوانید.

یکی دیگر از مزایای کانادا در نوآوری جهانی، نقطه قوت آن در بخش تحقیق و توسعه است. کانادا به عنوان پیشگام در زمینه تحقیق و توسعه در عرصه جهانی، سرمایهگذاران را برای مشارکت تجاری در مقیاس بزرگ تشویق (جذب) میکند و از این طریق آنها را به چالش میکشد تا سرمایه گذاران در زمینه طرح های بلندپروازانه و بازارمحور برای ارتقاء اکوسیستمهای نوآوری با یکدیگر همکاری کنند. این رویکرد حمایت کارآمدتری را به کسب و کار و کارآفرینان ارائه می دهد و سرمایهگذاری در کانادا را تسهیل میکند.

سرمایه گذاران امکان دسترسی به طیف ارزنده ای از برنامه ها مانند برنامه تحقیقات علمی و توسعه تجربی (SR&ED) را خواهند داشت که میلیاردها دلار اعتبار مالیاتی و مشوق های و انگیزه های لازم برای کسب و کارها از جمله تحقیق و توسعه در کانادا را فراهم می آورد. این برنامه منحصر به فرد به سرمایه گذاران امکان می دهد تا هزینه های تحقیق و توسعه مانند حقوق، هزینه قراردادها، هزینه های سربار و حتی هزینه مواد را مطالبه کنند. SR&ED مشوق بسیار مهمی برای سرمایه گذارانی است که هزینه آزمایشات و توسعه محصول بیشترین بخش هزینه ها در مرحله توسعه کسب و کارشان را در بر میگیرد.

کانادا در حال حاضر بیش از دو میلیون شرکت کوچک و متوسط (SME) دارد که نقش اساسی در اقتصاد کانادا دارند. شورای ملی تحقیقات کانادا (NRC) برنامه کمک به تحقیقات صنعتی (IRAP) را از طریق شبکه صدها مشاور خود در سراسر کانادا ارائه میدهد. IRAP به SME های واجد شرایطی که در حال فعالیت در پروژه های نوآورانه و مبتنی بر فناوری هستند، حمایت مالی (حداکثر 5 میلیون دلار) ارائه میدهد.

برای اطلاعات بیشتر درباره حمایت مالی استارتاپ مراحل سرمایه گذاری در کانادا. را بخوانید.

برای اطلاعات بیشتر درباره سایر حمایتهای مالی دولت کانادا : لیست صندوق های دولت فدرال و استانی برای حمایت از کسب و کار ها در کانادا. را بخوانید.

برای اطلاعات بیشتر درباره اکوسیستم استارت آپ در کانادا چرا کانادا برای استارت‌آپ؟ را بخوانید.

ارتباطات جهانی کانادا

کانادا در موقعیت مناسبی به عنوان مرکز اصلی تجارت جهانی واقع شده است. بنادر ساحلی این کشور امکان دسترسی مستقیم دریایی به آسیا، آمریکای جنوبی و اروپا را فراهم میکند، در حالی که Great Lakes  دسترسی آسان به چندین ایالت ایالات متحده را فراهم میکند. در مرز جنوبی کانادا، بزرگترین بازار مصرف جهان با 330 میلیون نفر جمعیت قرار دارد.

کانادا تنها کشور عضو G7 است که با انعقاد 14 معاهده تجاری به سرمایه گذاران امکان دسترسی ترجیحی به بازار با بیش از 50 کشور جهان و بیش از 5/1 میلیارد مصرف کننده و 50 میلیارد دلار GDP را میدهد. به روز رسانی (مدرنیزه کردن) توافقنامه کانادا – ایالات متحده و مکزیک (USMCA) و توافقنامه جامع اقتصادی و تجاری کانادا-اتحادیه اروپا (CETA)  دسترسی بازار به اتحادیه اروپا و آمریکای شمالی را تضمین میکند. هیچ یک از دیگر مقاصد سرمایه گذاری برتر در قاره آمریکا نمی تواند دسترسی به همه 28 کشور عضو اتحادیه اروپا را فراهم کند. پس از اجرای کامل، پیمان تجاری اقیانوس آرام یا شراکت ترنس-پسیفیک (CPTPP) به شرکتهای فعال در کانادا امکان دسترسی به یکی از بزرگترین گروههای تجاری جهان و بازارهای اصلی آسیا داده خواهد شد.

همه موارد فوق بخشی از دلایل افزایش سرمایه گذاری مستقیم خارجی (FDI) در کانادا است که از رقم 551 میلیارد دلار در سال 2008 به 824 میلیارد دلار در سال 2017 افزایش یافته و ورود پول از طریق FDI در بخش تولید در سال 2018 با 76/61٪ افزایش چشمگیر نسبت به سال گذشته بوده است. کانادا تنها یکی از مدعیان بازار نیست بلکه در سه سال گذشته پیشرو رشد اقتصادی در کشورهای G7 نیز بوده است.

آسانی کسب و کار در کانادا

براساس گزارش بانک جهانی، کانادا از منظر سهولت شروع کسب و کار در رتبه سوم جهانی و بالاتر از آلمان، ژاپن و ایالات متحده قرار دارد. در مطالعه ای که پتانسیل یک کشور برای سرمایه گذاری و رشد در زیرساختهای اقتصادی را اندازهگیری میکند، کانادا رتبه اول در بین کشورهای عضو G7 را دارد. چهار مرکز از 10 مرکز مالی برتر آمریکای شمالی کانادایی هستند: تورنتو، مونترال، ونکوور و کلگری. کانادا از منظر حمایت از سرمایه گذاران اقلیت(minority protection) همواره در بین 10 کشور برتر جهان قرار دارد (رتبه هفتم طبق WBG).

کانادا کم هزینه ترین کشور عضو G7 در بخشهای تولیدی و خدمات شرکتی است. کانادا همچنین کمترین هزینه کسب و کار را در بخشهای دیجیتال و تحقیق و توسعه دارد. به عنوان مثال، شرکتها می توانند تا 100٪ از هزینه های ماشین آلات و تجهیزات جدید و تجهیزات انرژی پاک را برای کاهش مالیات اعلام کنند. همه کسب و کارها نیز میتوانند بخش زیادی از هزینه داراییهای تازه خریداری شده، از جمله داراییهای طولانی مدت مانند ساختمانها و داراییهای نامحسوس مانند حق ثبت اختراع و IP را برای کاهش مالیات اعلام کنند. برای اطلاعات بیشتر در مورد این برنامه های تشویقی ادامه مطلب را بخوانید.

این اجماع جهانی وجود دارد که سیستم بانکی کانادا امن ترین سیستم بانکی در جهان است و طبق گزارشهای مجمع جهانی اقتصاد، سیستم بانکی کانادا امن ترین سیستم بانکی جهان برای ششمین سال متوالی است. کانادا در رده دوم کشورها در کشورهای G7 و G20 و در رده چهاردهم در بین 149 کشور برای رفاه عمومی (طبق شاخص رفاه Legatum) قرار دارد. این رتبه بندی براساس کیفیت اقتصاد کانادا، محیط کسب و کار، حاکمیت، آموزش، بهداشت، ایمنی و امنیت، آزادی فردی، سرمایه اجتماعی و محیط طبیعی است.

کیفیت زندگی در کانادا

کسب و کارهای موفق ارزش واقعی فعالیت در محیطی را که برای عموم افراد و به خصوص کارمندان آنها جذاب است، میدانند. کانادا برای سومین سال متوالی، در ایجاد کیفیت خوب زندگی (در میان 80 کشور و بر اساس 75 معیار مختلف از جمله ثبات سیاسی، بازار کار قوی، محیط امن، سیستم آموزش عمومی خوب) در رتبه اول قرار دارد. کانادا در رفاه، امنیت فردی، مسکن، وضعیت بهداشتی، ارتباطات اجتماعی، کیفیت محیط، شغل، درآمد، تحصیلات و مهارتهای عملی بسیار بالاتر از حد متوسط ​​است.

جامعه ای با عملکرد های معقول، موجب ایجاد اعتماد و مشارکت عمومی و ثبات سیاسی خواهد شد و با حفظ حاکمیت قانون می تواند از روابط مثبت با سایر کشورها برخوردار شود. رسانههای آزاد و مستقل در کانادا باعث آگاهی بیشتر شهروندان و ایجاد گفتمان عمومی می شود که خود منجر به صراحت، همکاری و تصمیم گیری بهتر در سطح کلان میشود.

نظام آموزش و نظام بهداشت پایه های اساسی هر جامعه ای هستند. در کانادا، هم مراقبتهای بهداشتی و هم آموزش (ابتدایی و متوسطه) همگانی و فراگیر است و در دسترس کلیه شهروندان کانادایی، مقیمان دائم و برخی از غیر کانادایی هایی که به طور موقت در کانادا ساکن هستند، قرار میگیرد. نه تنها این خدمات ضروری در کانادا بصورت رایگان ارائه می شوند، بلکه از نظر کیفیت نیز همواره در زمره بهترین های جهانی می باشند. کانادا در سرانه هزینه های بهداشتی و درمانی در رتبه چهارم جهانی جای دارد و این هزینه ها نتایج خوبی را به همراه داشته است: بر اساس شاخص رفاه موسسه Legatum، کانادا بهترین سیستم مراقبتهای بهداشتی را در بین 149 کشور جهان دارد. کانادا از میانگین OECD کمی بیشتر برای نظام آموزشی هزینه می کند اما شاخص های کیفیت نظام آموزشی آن بسیار بالاتر از میانگین OECD است. در حقیقت، کانادا یکی از بهترین سیستمهای آموزش ابتدایی، متوسطه و دانشگاهی در جهان را دارد.

کانادا با داشتن بیش از 200 زبان به عنوان زبان مادری، یکی از چندزبانه ترین جوامع در جهان به حساب می آید. کانادا صلح طلب است و توسط دولتی اداره می شود که حامی جدی صلح جهانی است که نظم، تفاوت و برابری را ترویج میکند. تقریبا طبق همه مطالعات جهانی، کانادا اکنون یکی از امن ترین کشورها در جهان است. یک محیط صلح آمیز جایی است که پتانسیلهای انسان ظهور و پرورش مییابد. بدون شک سرمایه انسانی مهمترین عامل محرک رونق اقتصادی است.

مشوقها و محرکهای کسب و کار در کانادا

تحقیقات علمی و توسعه تجربی (SR&ED) : این طرح بزرگترین برنامه تحقیق و توسعه کاناداست که در آن بیش از 3 میلیارد دلار در دسترس است. هر شرکتی با هر اندازه ای که در بخش R&D در کانادا سرمایهگذاری کند میتواند از این برنامه تشویقی مالیاتی استفاده کند. برنامه تشویقی SR&ED به دو شکل ارائه می شود: کسر مالیات بر درآمد یا اعتبار مالیاتی در قبال سرمایه گذاری. برای واجد شرایط بودن برای برنامه SR&ED  پروژه ها باید ویژگیهای زیر را داشته باشند:

  • پرداختن به یک ابهام فنی یا علمی 
  • پرداختن، یا تلاش برای پرداختن به یک پیشرفت تکنولوژیک 
  • استفاده از تحقیقات و بررسیهای سیستماتیک 

شرکتهای خارجی می توانند به طور غیر مستقیم و با ثبت یک شرکت تابعه کانادایی برای انجام کارهای تحقیق و توسعه واجد شرایط SR&ED شوند. شرکت تابعه کانادایی می تواند برای SR&ED درخواست دهد و هزینه ها را کسر کند و 15٪ اعتبار مالیاتی غیر قابل استرداد مطالبه کند. این اعتبار میتواند در قبال مالیاتهای فدرال قابل پرداخت مورد استفاده قرار گیرد.

اگر شرکت خارجی علاقه مند به اجرای تحقیق و توسعه در کانادا هستید، برای اطلاعات بیشتر با ما تماس بگیرید.

مشوق شتابی سرمایه گذاری: این  در واقع یک برنامه کسر مالیاتی است که به سرمایه گذاران اجازه می دهد تا 100% از هزینه های خرید ماشین آلات و تجهیزات مربوط به سال اول خود را برای تولید و فرآوری و تجهیزات انرژی پاک کسر کنند. 

اگر شرکت خارجی علاقهمند به سرمایهگذاری یا توسعه کسب و کار خود در کانادا هستید، برای اطلاعات بیشتر با ما تماس بگیرید.

صندوق نوآوری استراتژیک: این صندوق دارای بیش از 2/1 میلیارد دلاری مشوق سرمایه گذاری در کانادا از طریق 5 جریان است:

  • جریان 1: تشویق به تحقیق و توسعه (R&D) که سرعت انتقال فناوری و تجاری سازی محصولات، فرایندها و خدمات نوآورانه را تسریع میکند.
  • جریان 2: تسهیل رشد و گسترش شرکتها و کارخانجات در کانادا
  • جریان 3: جذب و حفظ سرمایه گذاریهای کلان در کانادا
  • شرکتهای انتفاعی کانادایی که مشغول کسب و کار در کانادا می باشد واجد شرایط این جریانات هستند و میزان مشارکت SIF براساس نرخ اشتراکی است که از 50٪ هزینه های مربوط به فعالیتهای قابل قبول تجاوز نمیکند.
  • جریان 4: تحقیقات پیشرفته صنعتی، توسعه و ظهور فناوری از طریق همکاری بین بخش خصوصی، محققان و سازمانهای غیر انتفاعی.
  • کنسرسیوم هایی که ممکن است دانشگاهها، کالجها، موسسات تحقیقاتی، شرکتهای انتفاعی و/یا نهادهای غیر انتفاعی کانادایی را شامل شوند، واجد شرایط این جریان هستند. متقاضی اصلی باید کانادایی باشد و مشغول کسب و کار در کانادا باشد. سهم مشارکت SIF قابل بازپرداخت خواهد بود و مبلغ آن از 50٪ از کل قابل قبول تجاوز نخواهد کرد (به استثناء مؤسسات و شبکههای آکادمیک که در اینصورت سهم مشارکت ممکن است 100٪ از هزینه های قابل قبول را پوشش دهد)
  • جریان 5: حمایت از اکوسیستمهای ملی نوآوری در مقیاس بزرگ از طریق مشارکت های کلان در سراسر کانادا
  • شبکه ها (متقاضی اصلی باید یک سازمان غیرانتفاعی یا انتفاعی باشد در کانادا) واجد شرایط این جریان هستند. سهم مشارکت SIF قابل بازپرداخت خواهد بود و مبلغ آن از 50٪ از کل هزینه های مشمول تجاوز نخواهد کرد (به استثناء مؤسسات و شبکههای دانشگاهی که در این صورت که سهم مشارکت ممکن است 100٪ از هزینه های قابل قبول را پوشش دهد)

پروژه های SIF بر اساس پتانسیل آنها برای منتفی کردن کانادا بصورت زیر ارزیابی می شوند:

  • ایجاد و تجاری سازی مالکیت معنوی جدید در کانادا؛
  • توسعه محصولات، خدمات یا فرایندهای جدید و بهبود یافته؛
  • همکاری بین موسسات دانشگاهی، سازمانهای غیردولتی، NGO ها و سایر شرکتهای بخش خصوصی.
  • ایجاد فناوری قابل توجه تحقیق و توسعه با پتانسیل ایجاد اختلال در بازار.

هزینه های قابل قبول تحت SIF محدود به هزینه های غیر تکراری است که به طور خاص به پروژه مربوط می شوند، از جمله: هزینه های مستقیم انسانی، هزینه های سربار، هزینه های پیمانکاران فرعی و مشاوران، هزینه مواد و تجهیزات مستقیم، سایر هزینه های مستقیم، هزینه زمین و ساختمان.

کمکهای SIF به دو صورت قابل پرداخت و غیر قابل بازپرداخت است. در صورت قابل پرداخت بودن، بازپرداخت مبتنی بر عملکرد و مطابق با رویکرد تقسیم ریسک خواهد بود.

اگر شرکت خارجی علاقمند به سرمایه گذاری یا گسترش کسب و کار خود در کانادا هستید، برای اطلاعات بیشتر با ما تماس بگیرید.

 استراتژی هوش مصنوعی پان کانادایی: با توجه به اینکه کانادا یکی از پیشگامان جهانی در زمینه هوش مصنوعی و یادگیری ماشین است، استراتژی هوش مصنوعی پان کانادایی در سال 2017 به منظور اطمینان از حفظ جایگاه پیشتاز کانادا راهاندازی شد. کانادا اولین کشوری است که استراتژی ملی هوش مصنوعی را منتشر کرد. این طرح در حال حاضر بیش از 125 میلیون دلار سرمایه گذاری در بیش از 54 مشارکت صنعتی دارد. اهداف این استراتژی پیشبرد بیشتر اکوسیستم فعلی هوش مصنوعی در کانادا از طریق زیر است:

  • افزایش تعداد محققان و فارغ التحصیلان متخصص.
  • افزایش ظرفیت تحقیقات و اکتشافات.
  • ابراز و اثبات کانادا به عنوان پیشگام در عرصه جهانی از طریق پیامدهای اقتصادی، اخلاقی، سیاسی و حقوقی حاصل از پیشرفت در حوزه فناوریهای هوش مصنوعی؛
  • حمایت از یک جامعه تحقیقاتی ملی در زمینه هوش مصنوعی؛

شرکتهای خارجی که با تکنولوژی هوش مصنوعی و یادگیری ماشین مشغول به کار هستند و کانادا را برای توسعه کسب و کارشان در نظر میگیرند، میتوانند در بستر در حال رشد هوش مصنوعی، ظرفیتهای تحقیقاتی ملی هوش مصنوعی و مشارکت با موسسات تحقیقاتی هوش مصنوعی پیشرو در زمینه فناوری جدید همکاری کنند.

طرح نوآوری Superclusters : Superclusters مناطق متراکم فعالیتهای تجاری هستند که دارای تعداد زیادی از شرکتها، موسسات دانشگاهی و موسسات تحقیقاتی است. طرح نوآوری Superclusters  در کانادا، گروههای فناوری را در سراسر کشور به کنسرسیومهای تحت رهبری صنعت گرد هم می آورد. هر Superclusters بر روی نوآوری فناوری در یکی از زمینه های زیر متمرکز است: علوم اقیانوس شناسی، هوش مصنوعی، روشهای پیشرفته تولید ، صنعت محصولات پروتئینی و فناوری دیجیتال.

هدف از این نوآوری حل چالشهای پیچیده، ایجاد رشد اقتصادی، توسعه و جذب استعدادهای برتر و پیشبرد تحقیقات و نوآوری در بهترین سطح جهانی است. پیش بینی می شود ظرف ده سال آینده این نوآوری رقمی بالغ بر 2 میلیارد دلار به سیستم اقتصاد وارد کند و تولید ناخالص داخلی را 50 میلیارد دلار رشد دهد.

 اعضای بخش خصوصی در هر یک از supercluster  ها میتوانند:

  • پروژه تعریف کنند و یا به پروژه ای بپیوندند. 
  • به راهکارهای فناوری توسعه یافته در supercluster دسترسی پیدا کنند؛
  • ملاقات با شرکای صنعتی، عمومی و دولتی؛
  • دسترسی به سرمایه برای پروژه؛

سخن پایانی

طبق مطالب ذکر شده، صحت ادعای نخست وزیر فعلی کانادا مبنی بر این که “… سرمایه گذاری در کانادا یکی از بهترین تصمیماتی است که میتوانید بگیرید” تایید میشود. کانادا کشور فوق العاده ای است که فرصتها، انتخابها و مشوقها در آن فراوان است. در واقع موقعیت کانادا برای موفقیت در هر کسب و کار مناسب است، اما استفاده از تمام پتانسیلهای کانادا چالش برانگیز است. SILAW در استفاده هر چه بیشتر از رونق و شکوفایی کانادا به شما کمک کند. با ما در تماس باشید تا در کنار هم در این مسیر قدم برداریم.

 

 

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Read This Post Because

It will provide you with a complete list of both the federal government and provincial governments funds available for businesses and entrepreneurs.

Please be advised that some funds target specific demographic groups and industry sectors, and others are available to a wider audience. They include grants and contributions (which generally do not have to be repaid), loans, and loan guarantees (which generally do have to be repaid). This list is current as of May 2020 but you should follow the links to each fund’s dedicated page for more and current details.

FEDERAL

BDC Business Loans

 For launching a business or expanding and growing an existing one. This loan can help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms. You may need to provide credit references and to have invested money in your business. Other conditions apply.

You can find out more about this funding program here.

BDC Buying a Business

For buying an existing business. this loan will help you:

  • Buy an existing business
  • Acquire a competitor’s or supplier’s business
  • Purchase the business that you already manage
  • Pay for a consultant to help evaluate the business and integrate its processes

The type of loan you could get will depend on whether or not you already own land, shares in a business, or other assets.

 You can find out more about this funding program here.

BDC Capital

 Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

You can find out more about this funding program here.

BDC New Canadian Entrepreneur Loan

For immigrant entrepreneur(s) to get a repayable loan of up to $50,000 to start a new business.

To be eligible, you must:

  • Have immigrated to Canada less than 3 years ago
  • Be a Canadian citizen or have permanent residence status
  • Have a viable business plan
  • Have no established or little credit history to easily access financing

The terms are flexible, with a repayment period of up to 6 years. You would not need to make any capital payments for up to 12 months. Other conditions apply.

 You can find out more about this funding program here.

BDC Small Business Loan

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

You can find out more about this funding program here.

BDC Start-up financing

Do you need a loan to start or buy a business, or to pay for property and equipment to set up your business? Financing may be available to entrepreneurs who demonstrate:

  • Market and sales potential
  • Competence in the management team
  • Investment in their business
  • Expertise in a chosen field

Other conditions apply.

You can find out more about this funding program here.

Canada Small Business Financing Program

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

  • Purchase or improve land or buildings
  • Purchase leasehold improvements or improve leased property
  • Purchase new or used equipment
  • Eligible small businesses should have annual gross revenues of no more than $10 million.

 You can find out more about this funding program here.

Canadian Agricultural Loans Act Program

 If you are an agricultural producer, this program could help you get a loan from a bank, a credit union or a caisse populaire.

Eligibility:

  • Existing farmers
  • Beginning or start-up farmers
  • Farmers taking over the family farm
  • Agricultural co-operatives

Loans are limited to a maximum of:

  • $500,000 for land and construction
  • $350,000 for all other loan purposes
  • Apply directly through your lending institution.

You can find out more about this funding program here.

FACTOR funding for the sound recording industry

As a Canadian recording artist, song writer, artist manager, record label owner, music publisher, distributor, or event producer of English language content, you could qualify for funding.

Eligible activities include:

  • Sound recording
  • Business development
  • Marketing and promotion
  • Business travel and tours
  • Creation of a music video
  • Workshops for songwriters

Depending on the program, the funding:

  • Comes in the form of grants, or a combination of loans and grants
  • Provides maximum amounts that range from $750 to $200,000
  • Generally, covers up to 50% of the cost of eligible activities

Other conditions apply.

You can find out more about this funding program here.

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

You can find out more about this funding program here.

Futurpreneur Canada Newcomer Program

Are you a newcomer to Canada between the ages of 18 and 39, with a limited credit history? If so, you could apply for a $12,500 repayable loan to start a business.

This amount could be matched with a repayable loan from the BDC for a potential total of $12,500.

To qualify, you must:

  • Be a citizen or a permanent resident of Canada
  • Have lived in Canada for no longer than 5 years
  • Agree to work with a mentor

Other conditions apply.

You can find out more about this funding program here.

Futurpreneur Canada Start-up

 If you are between the ages of 18 and 39, you could get a loan of $20,000 to start or buy a business.

To be eligible, you will need to:

  • Create a business plan for a business that will employ you full time
  • Work with a mentor for two years
  • You cannot use the funds to pay existing debts. You need to repay the loan and pay administrative fees.

If you qualify, you can also apply for an extra $40,000 through the Futurpreneur Canada-BDC Start-Up Program.

Other conditions apply.

You can find out more about this funding program here.

Prince’s Charities Canada

 Are you a transitioning Canadian Armed Forces member, veteran, reservist, or a family member looking to establish yourself as an entrepreneur? Or do you already have a business?

This national bilingual program offers:

  •     One-day workshops and seven-day business boot camps
  •     Tools and resources to guide business planning and growth
  •     Networking opportunities and introductions to local community support resources
  •     Access to free corporate law legal advice and information from a national law firm
  •     Short-term one-on-one business coaching for program participants
  •     The Canadian Veteran Business Directory, a free online listing of military-owned businesses in Canada

You can find out more about this funding program here.

ALBERTA

 

ATB Financial

If you are thinking of starting or already have a small business in Alberta, you could benefit from the following financial services from this crown corporation:

  • Operating loans
  • Term loans
  • Government guarantee loans
  • Letters of credit
  • Mastercard

You can find out more about this funding program here.

Agriculture Financial Services Corporation Lending

As an Alberta producer, agribusiness or small business owner, you may be able to get loans for the development or expansion of your agriculture, agribusiness, value-added enterprise, or commercial operation.

Products for businesses:

  • Commercial loans
  • Value-Added and Agribusiness Program

Products for agricultural producers:

  • Alberta Farm Loan
  • Revolving Loan
  • AgriStability

 You can find out more about this funding program here.

Alberta Foundation for the Arts funding

As an artist or organization within the arts and culture community, you could benefit from grants, prizes and other competitions, and profit from additional resources. Artistic areas may include visual, performing and literary arts, and cultural industries.

 You can find out more about this funding program here.

Alberta Women Entrepreneurs

If you are a woman in Alberta, you can access this organization’s services to start, grow, and advance your business.

You can access:

  • Loans of up to $150,000
  • Training, workshops and conferences
  • Mentorship
  • Networking opportunities
  • Help with market expansion
  • Programs for Aboriginal Women

 You can find out more about this funding program here.

ATB BoostR

Your local Alberta business could get funding from supporters and everyday people who recognize the value of your small business by using this crowdfunding platform. You get to tell your story, set funding goals, and offer rewards to prospective customers who fund your campaign.

With ATB BoostR you can:

  • Raise funds and build awareness for your business or enterprising non-profit
    •    Validate/test your business, product or marketing idea
  • Gain exposure and meaningful feedback
    •    Grow your presence and crowd of customers, fans and supporters

You can also access services throughout your crowdfunding campaign, including:
•    Supportive advisors you can reach out to for crowdfunding coaching or business banking expertise
•    Coaching and guidance through monthly Crowdfunding 101 workshops in Calgary and Edmonton
•    Opportunities for exposure and networking through BoostR Stage live pitch events and ATB’s marketing channels
•    Helpful online learning resources

You can find out more about this funding program here.

Community Futures Alberta — Small business loans

If you live in rural Alberta and have not been able to secure appropriate financing from a bank, you may be eligible for a loan to start, buy or grow a small business.

You need to:

  1. Have a viable business plan
  2. Invest some of your money in the project
  3. Be involved in day-to-day operations
  4. Be of legal age and a resident of Canada
  5. Other conditions apply.

Flexible criteria and terms may be available if you have a disability.

Services like business training and counselling may also be available.

You can find out more about this funding program here.

Community Futures Treaty Seven — Business development

Are you a Treaty Seven member wishing to start or grow your business? You may be eligible for a business loan of up to $25,000.

You can also access business services, such as business plan review and entrepreneurial training.

You can find out more about this funding program here.

Entrepreneurs with Disabilities Program (Manitoba, Saskatchewan, Alberta & British Columbia)

If you have a disability, you could get help to start or grow your business. You can apply for mentoring, business training, and counselling. In some locations, you could also get a business loan.

You need to:

  • Live in Western Canada
  • Be unable to get a loan from a bank
  • Have a workable business plan
  • Require help with some business activities due to your disability

Apply at your regional Community Futures office, if you live in a rural area, or at select organizations, if you live in a major western city.

You can find out more about this funding program here.

Self-Employment Program (Alberta)

If you are unemployed, you could get self-employment training, continue to receive benefits, and get additional assistance for training and living expenses for up to 26 weeks.

To qualify, you should:

  • Have an idea for starting a business or for taking over an existing business
  • Demonstrate personal commitment toward the business
  • Be able to develop and implement a business plan

You could get:

  • Instruction in business plan development
  • Business counselling
  • Coaching, guidance and follow-up services

You can find out more about this funding program here.

BRITISH COLUMBIA

 Community Futures British Columbia — Financing programs for entrepreneurs

If you live in rural British Columbia, you could get a loan of up to $150,000 to start or grow a small business. You need to:

  • Have a viable business idea
  • Create a business plan
  • Invest some of your money in the project, in most cases
  • Other conditions apply.

For the Self-Employment Program, you need to be receiving Employment Insurance or to have received it within the last few years.

Other services like business training and counselling may also be available.

You can find out more about this funding program here.

Community Futures Self Employment Program

If you live in BC, you can access business support and income support to help you start a business. To be eligible, you must:

  • Be on EI, or have recently made claims through EI
  • Be underemployed or unemployed
  • Be entitled to work in Canada
  • Have completed the program orientation and plan to work full-time in your business

Other conditions apply. For more information, contact your local Community Futures Office.

You can find out more about this funding program here.

Entrepreneurs with Disabilities Program (Manitoba, Saskatchewan, Alberta & British Columbia)

If you have a disability, you could get help to start or grow your business. You can apply for mentoring, business training, and counselling. In some locations, you could also get a business loan.

You need to:

  • Live in Western Canada
  • Be unable to get a loan from a bank
  • Have a workable business plan
  • Require help with some business activities due to your disability

Apply at your regional Community Futures office, if you live in a rural area, or at select organizations, if you live in a major western city.

You can find out more about this funding program here.

Women’s Enterprise Centre (British Columbia)

Are you a woman living in British Columbia who is looking for financing to start a business? Do you want to grow your business or buy a business?

You could access:

  1. Loans of up to $150,000
  2. Advisory services
  3. Business training
  4. Networking opportunities with other businesswomen and business service providers

You need to have a viable business plan, and your business must be registered and located in British Columbia and be at least 51% owned or controlled by a woman.

Other conditions apply.

You can find out more about this funding program here.

 

MANITOBA

Business Start Program

Are you a Manitoba entrepreneur ready to begin your business journey? This program offers a loan guarantee as well as an education component.

Loan Guarantee: Loans provided through participating financial institutions and guaranteed by the Government of Manitoba. The 5-year term loan is a $30,000 maximum amount with an interest rate of prime plus one percent and a one-year deferral of principal repayment.

Educational Component: The 3-day Business Planning Workshop covers topics which include business plans, financing options, financial statements, taxation, marketing strategies and much more. Registration fee: $95.00 plus GST.

You can find out more about this funding program here.

Community Futures Manitoba

You could get a loan of up to $150,000 to start and grow your business in rural and northern Manitoba. The Community Futures office can also provide assistance with:

  • Preparing and assessing your business plan
  • Providing business and market information
  • Helping your existing business grow

You can find out more about this funding program here.

Entrepreneurs with Disabilities Program (Manitoba, Saskatchewan, Alberta & British Columbia)

If you have a disability, you could get help to start or grow your business. You can apply for mentoring, business training, and counselling. In some locations, you could also get a business loan.

You need to:

  • Live in Western Canada
  • Be unable to get a loan from a bank
  • Have a workable business plan
  • Require help with some business activities due to your disability

Apply at your regional Community Futures office, if you live in a rural area, or at select organizations, if you live in a major western city.

You can find out more about this funding program here.

Self Employment Program (Manitoba)

Are you collecting Employment and Income Assistance? Are you ready to be your own boss?

The Self Employment program allows you to keep earning benefits while receiving training and support to start a business. Support is available for:

  • Business planning
  • Self employment/entrepreneurial skills training (includes classroom instruction)
  • Individual consulting

You can find out more about this funding program here.

Women’s Enterprise Centre (Manitoba)

If you are a woman in Manitoba, you could improve your skills and acquire financing so you can start, expand or purchase an existing business.

You could access:

  • Repayable loans of up to $150,000
  • Advisory services
  • Business and marketing training
  • The WEC-Tech program — to help in the use of and adoption of technology

You need to have a viable business plan and your business must be at least 50% owned or controlled by a woman.

Other conditions apply.

You can find out more about this funding program here.

Young Entrepreneurs Program

If you are between 18-29 years old with a business idea, you could be eligible for a grant which will cover 50% of your start-up costs up to $4,000.

To apply, you must:

  • Have a full-time year-round venture in Manitoba to propose
  • Submit an application before the venture is operational
  • Provide a business plan showing the viability of the venture

Other conditions apply.

You can find out more about this funding program here.

NEW BRUNSWICK

 

Advancing Agri-Food Processing

Are you looking to develop your agricultural products or enhance efficiency and competitiveness of your operations in the value-added agriculture and agri-food sector? If so, you could get funding for your small or medium-sized business.

Eligible applicants include:

  • Agri-business owners
  • Indigenous people or organizations
  • Agricultural producers and related associations
  • Academic or research institutions
  • Other individuals or groups capable of achieving objectives

Other conditions may apply.

 You can find out more about this funding program here.

Atlantic Association of Community Business Development Corporations

If you live in a rural area of Atlantic Canada, you could access support to start or grow a business:

  • Help to develop your business plan
  • Business counselling
  • Training
  • Loans up to $150,000

The loan programs could help you:

  • Start or purchase a business
  • Increase your working capital
  • Adopt, develop or commercialize technology

You can find out more about this funding program here.

Business Development Program

If your business is located in Atlantic Canada, you could access interest-free loans to finance viable projects that benefit the region.

Loans cover:

  • Up to 50% of costs related to start-up, growth, construction or acquisition of a building, machinery, equipment, infrastructure, and intangible assets.
  • Up to 75% of the cost of marketing, training, productivity/quality improvement, innovation, consultation, and bidding.

Ineligible sectors include:

  • Retail/wholesale
  • Real estate
  • Personal/social services

You can find out more about this funding program here.

CBDC First-time Entrepreneur Loan

You could get up to $150,000 to start a business, if you are a first-time entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Help you buy an existing business or start a new one
  • Run either a year-round or seasonal business
  • Finance purchases or make leasehold improvements

Other conditions apply.

You can find out more about this funding program here.

CBDC General Business Loan

You could get up to $150,000 to grow your business, if you are an entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Expand an existing business
  • Tap into new market opportunities
  • Purchase a new or existing business
  • Run either a year-round or seasonal business
  • Upgrade facilities or buildings

Other conditions apply.

You can find out more about this funding program here.

CBDC Youth Loan

If you are between the ages of 18 and 34, and living in Atlantic Canada, you could get up to $150,000 to start, grow or modernize your business.

You can use this loan to:

  • Acquire the assets of a previous business
  • Apply to start-up costs, fixed assets and/or working capital
  • Run either a year-round or seasonal business
  • Eligible borrowers may be sole proprietorships, limited companies or partnerships.

Other conditions apply.

You can find out more about this funding program here.

Community Business Development Corporations — Social Enterprise Loan

You could get up to $150,000 for your non-profit social enterprise or cooperative in rural Atlantic Canada.

You can use this loan to:

  • Start, renovate or grow your social enterprise
  • Purchase assets to continue your business activities

Other conditions apply.

You can find out more about this funding program here.

Centre for Entrepreneurship Education Development — Financing

You could be eligible for loan options ranging between $3,000 and $45,000 to start or expand your business in Halifax, Dartmouth or Bedford.

To be eligible, you must:

  • Either be starting up, or have been in operation for less than 12 months
  • Be at least 18 years old
  • Own at least 51% of a full-time, year-round business

Other conditions and requirements are in place depending on the financing for which you apply.

You can find out more about this funding program here.

Craft business development

As a new or existing craft entrepreneur in Cape Breton or Mulgrave, you can get training and funding to develop your business skills and help grow your enterprise.

Apply for:

  • Consulting services up to $5,000 for help with business assessment, planning, lean manufacturing and international trade development
  • New website development up to $5,000 or $2,000 to upgrade
  • Trade mission and trade show costs up to 75%
  • Branding development up to $2,000
  • Succession planning up to $2,500

Conditions apply.

You can find out more about this funding program here.

Direct Equity Tax Credit Program

If you or your arm’s length corporation invests, as a shareholder, in an eligible small business, you can receive a provincial income tax credit of 35% (outside the North East Avalon) or 20% (within the North East Avalon).

The invested funds can be used to finance the start-up, modernization, expansion or growth of an eligible small business, but cannot be used to pay off existing debts in a company, nor for the purchase or refinancing of an existing business operation.

Find out more here.

Fisheries Loan Guarantee Program

If you are certified by the Professional Fish Harvesters Certification Board and eligible to hold a commercial fishing licence, you could get a loan guarantee of up to $3 million.

Eligible activities include:

  • Purchasing, refitting or building a vessel
  • Combining enterprises and licence acquisitions
  • Refinancing loans owed to fish processors

Other conditions apply.

Find out more here.

Grants for registered family child care homes

Thinking of starting a registered family child care home in Newfoundland and Labrador? You could be eligible for start-up grants and yearly supplements.

You could get:

  • A $200 stimulus grant per month per infant
  • An equipment grant
  • An annual Early Learning and Child Care Supplement

Find out more here.

Impact: more than a start-up loan

If you are between 19 and 39 years of age and live in one of the following cities, you could get a loan of up to $25,000 to start, grow or improve a small business:

  • St. John’s
  • Halifax
  • Moncton
  • Saint John
  • Fredericton
  • Charlottetown

Find out more here.

Newfoundland and Labrador

 

Investment Attraction Fund

You could get a loan or equity investment to establish your company in Newfoundland and Labrador.

To be eligible for funding, your incorporated business must locate its operations in the Province, be a result of inward investment, and be in good standing with the Province. You must also submit a detailed business plan that demonstrates a viable, sustainable opportunity and job creation/economic benefits for the Province.

Find out more here.

Junior Exploration Assistance Program

If you have a junior exploration company or are a local prospector, you can apply for a non-repayable grant to conduct advanced exploration in the province and carry mineral prospects to a more advanced stage.

You can receive 50% to 75% of eligible costs for up to $150,000 per project in Newfoundland and up to $225,000 per project in Labrador.

Find out more here.

Prospectors Assistance

If you are a prospector that is at least 19 years old and are involved in independent mineral exploration activities, you could obtain a grant of up to $6,000 for traditional, grass-roots prospecting on Crown land. An extra $6,000 is also available for air (float plane or helicopter) support to remote areas.

If you need training, you can participate in a two-week comprehensive training course in basic prospecting skills.

Find out more here.

Self-Employment Assistance

If you are an unemployed individual or had an EI benefit period which ended within the last 5 years, you may be eligible to access financial and entrepreneurial assistance to help you start a business.

Support includes:

  • Business coaching and advice
  • Business plan guidance
  • Business training

Financial support is offered for a maximum period of 52 weeks or 78 weeks for persons with a disability.

Other conditions apply.

Find out more here.

Town of Conception Bay South Business Incentive Programs

Your business may be approved for a tax reduction if deemed minimally detrimental to existing businesses. This reduction applies to business taxes only and does not apply to home offices or home occupations.

The incentive is phased in over a three-year period as follows:

  • Year 1: 75% reduction
  • Year 2: 50% reduction
  • Year 3: 25% reduction, thereafter, the normal tax applies.

To apply, you must provide:

  • A letter outlining your business proposal
  • A business plan
  • Financial statements

Other conditions apply.

Find out more here.

 

NORTHWEST TERRITORIES

Community Futures Program (NWT)

If you operate a business in the Northwest Territories you could be eligible to receive assistance in various forms, such as:

  • Business loans and loan guarantees up to a maximum of $150,000
  • Counselling and business assistance with starting or expanding your business
  • Wage subsidies if you are unemployed and wish to start a business
  • Access to other business information services

Find out more here.

Entrepreneurship and Business Development Fund

f you are Aboriginal and live in the Canadian North, you could get financing to start or grow a business.

You need to:

  • Be able to put in some of your own money
  • Have experience in the type of business for which you’re seeking funding
  • Manage the business yourself

To apply, you need to be Status or Non-status Indian, Métis or Inuit; if not, at least 51% of the business needs to be owned by Aboriginal people.

Find out more here.

Financial programs

If you are unable to get financing through traditional sources, this program may be able to help you through a variety of credit products including:

  • Term loans:
    • Reduced rate and variable interest rate loans
    • Loans to deal with seasonal issues, such as seasonal production and re-supply financing for communities with no all-season access.
  • Venture investments: Investment in your company in return for preferred shares carrying annual dividends.
  • Contributions: Receive up to $10,000 for level I communities and $20,000 for level II communities for feasibility assessments, project start-ups, research projects and occasional short-term projects that create jobs.
  • Stand-by letters of credit: Provided for contract bids, performance security on contracts, or to pay for goods and services.

Find out more here.

Self Employment options

You could get help and advice while you still receive your Employment Insurance benefits. To be eligible, you should:

  • Be receiving Employment Insurance benefits (EI) or have had an EI claim in the past 3 to 5 years
  • Have had no participation in this program within the past 5 years
  • Create and provide a business plan after being referred to the service
  • Be starting or taking over a new business
  • Agree to work full-time hours (at least 30 hours) to develop business
  • Be eligible to attend business information sessions
  • Be able to contribute personal equity to the business

Find out more here.

Support for Entrepreneurs and Economic Development

If your business operates in the Northwest Territories you could get funding for various business expenses:

  • Entrepreneur support
    • Up to $25,000 towards start-up expenses, asset acquisition, market and product development or operational support.
  • Sector support
    • NWT businesses are eligible for up to $15,000 to fund capital expansion, or $25,000 to support sector-specific research.
  • Micro business
    • Up to $5,000 over 5 years towards traditional harvesting activities or commercial arts and crafts production.
  • Business intelligence and networking
    • Up to $3,000 in funding towards travel to attend conferences or trade-shows about new technologies or business opportunities.

Find out more here.

 

NOVA SCOTIA

Atlantic Association of Community Business Development Corporations

If you live in a rural area of Atlantic Canada, you could access support to start or grow a business:

  • Help to develop your business plan
  • Business counselling
  • Training
  • Loans up to $150,000

The loan programs could help you:

  • Start or purchase a business
  • Increase your working capital
  • Adopt, develop or commercialize technology

You can find out more about this funding program here.

Business Development Program

If your business is located in Atlantic Canada, you could access interest-free loans to finance viable projects that benefit the region.

Loans cover:

  • Up to 50% of costs related to start-up, growth, construction or acquisition of a building, machinery, equipment, infrastructure, and intangible assets.
  • Up to 75% of the cost of marketing, training, productivity/quality improvement, innovation, consultation, and bidding.

Ineligible sectors include:

  • Retail/wholesale
  • Real estate
  • Personal/social services

You can find out more about this funding program here.

CBDC First-time Entrepreneur Loan

You could get up to $150,000 to start a business, if you are a first-time entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Help you buy an existing business or start a new one
  • Run either a year-round or seasonal business
  • Finance purchases or make leasehold improvements

Other conditions apply.

You can find out more about this funding program here.

CBDC General Business Loan

You could get up to $150,000 to grow your business, if you are an entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Expand an existing business
  • Tap into new market opportunities
  • Purchase a new or existing business
  • Run either a year-round or seasonal business
  • Upgrade facilities or buildings

Other conditions apply.

You can find out more about this funding program here.

CBDC Youth Loan

If you are between the ages of 18 and 34, and living in Atlantic Canada, you could get up to $150,000 to start, grow or modernize your business.

You can use this loan to:

  • Acquire the assets of a previous business
  • Apply to start-up costs, fixed assets and/or working capital
  • Run either a year-round or seasonal business
  • Eligible borrowers may be sole proprietorships, limited companies or partnerships.

Other conditions apply.

You can find out more about this funding program here.

Community Business Development Corporations — Social Enterprise Loan

You could get up to $150,000 for your non-profit social enterprise or cooperative in rural Atlantic Canada.

You can use this loan to:

Start, renovate or grow your social enterprise

Purchase assets to continue your business activities

Other conditions apply.

You can find out more about this funding program here.

Centre for Entrepreneurship Education Development — Financing

You could be eligible for loan options ranging between $3,000 and $45,000 to start or expand your business in Halifax, Dartmouth or Bedford.

To be eligible, you must:

  • Either be starting up, or have been in operation for less than 12 months
  • Be at least 18 years old
  • Own at least 51% of a full-time, year-round business

Other conditions and requirements are in place depending on the financing for which you apply.

You can find out more about this funding program here.

Craft Business Development

 As a new or existing craft entrepreneur in Cape Breton or Mulgrave, you can get training and funding to develop your business skills and help grow your enterprise.

Apply for:

  • Consulting services up to $5,000 for help with business assessment, planning, lean manufacturing and international trade development
  • New website development up to $5,000 or $2,000 to upgrade
  • Trade mission and trade show costs up to 75%
  • Branding development up to $2,000
  • Succession planning up to $2,500

Conditions apply.

Find out more here.

Fishing Licence Loan Program

To enter or re-enter the commercial fishery or diversify to a new species, you can apply for a loan to buy a licence and associated gear, or to use as a deposit on a licence package.

To apply you must:

  • Be a Canadian citizen or a registered Nova Scotia business in good standing
  • Have a Fishing Masters Class certificate or five years’ captain experience
  • Meet Department of Fisheries and Oceans eligibility requirements as a new entrant

A five-year business plan and a deposit are required when you apply.

Find out more here.

Impact: more than a start-up loan

If you are between 19 and 39 years of age and live in one of the following cities, you could get a loan of up to $25,000 to start, grow or improve a small business:

  • St. John’s
  • Halifax
  • Moncton
  • Saint John
  • Fredericton
  • Charlottetown

Find out more here.

New Small Business Tax Deduction

Your new small business may be eligible for an exemption from paying Nova Scotia corporate income tax for your first 3 years of incorporation if:

  • You have at least 2 employees, one of which is full-time and unrelated to any shareholder.
  • This is a completely new type of business activity for you.
  • The business is independent of any other corporations
  • It is not a previous business with the same or related owners.

Some professional practices are not eligible, and other conditions also apply.

 Find out more here.

Nova Scotia farm loans

If you are starting or growing an agricultural business in rural Nova Scotia, you can apply for a variety of lending products to help improve your farm operations.

They include:

  • Fixed and term farm mortgages
  • Quota loans
  • Working capital
  • Equipment financing
  • Debt consolidation

Eligible projects include:

  • Land purchases
  • Farm acquisitions
  • Farm building construction and improvement
  • Rural agri-business development

Other conditions apply.

Find out more here.

Self-Employment Program (Nova Scotia)

 If you are unemployed and are receiving or have recently received Employment Insurance benefits, you could get support and training to start a business while still receiving Employment Insurance benefits.

You can get:

  • Help with business plan development
  • Business counseling and mentoring
  • Help with living expenses if you are not currently receiving EI benefits

You need to:

  • Have a good idea for starting or buying a business
  • Show proof of personal financial investment in the business
  • Devote 35 hours per week to your plan

Other eligibility criteria and benefit details apply.

Find out more here.

Small Business Loan Guarantee Program

As a Nova Scotia resident, you could borrow up to $500,000 from a credit union in the form of a loan, line of credit or working capital to start or grow a business.

Conditions include:

  • Up to 75% guarantee on regular lines of credit, or 90% for immigrant entrepreneurs, social enterprise, forestry and high-risk sectors
  • Up to 90% guarantee on term loans
  • A repayment term of up to 10 years
  • Annual fee charged of 1% of the loan value

Eligibility is based on your business plan, viability, and character.

Find out more here.

Vessel Loan Program

If you are a Canadian citizen over 19 years old, or operate a registered Nova Scotia business in good standing, you can apply for a secured loan to:

  • Buy or build a fishing vessel
  • Buy and install engines, equipment and/or electronics for your vessel
  • Make technical modifications to your vessel

To apply you must have:

  • All necessary Department of Fisheries and Oceans licences
  • A Fishing Master Class IV certificate, or
  • Five years’ experience as captain

Only vessels 22′ in length and over will be considered. Other conditions apply.

Find out more here.

 

NUNAVUT

 Funding programs for Nunavut filmmakers

Incentives are available for production or versioning in an Inuit language.

You may also be eligible for assistance in the following:

  • Attendance at markets and festivals
  • Creative content development
  • Industrial development and training
  • Entry-level workshops
  • Short film production

Non-resident filmmakers may also be eligible.

Find out more here.

Nunavut Business Credit Corporation

You can apply for a loan of up to $1 million to start or grow a business in Nunavut.

You need to:

  • Contribute towards economic development and employment in Nunavut
  • Guarantee that you can pay back the loan
  • Create a business plan
  • Have a business licence
  • Get a Workers Safety and Compensation Commission Certificate

Find out more here.

Sivummut Grants to Small Businesses

If you live in the Baffin (Qikiqtaaluk) region, you could get up to $25,000 to start or grow a business. You could use this grant to develop a business plan and to pay for licences, renovations, machinery, tools, or office equipment.

You need to:

  • Be Inuk or in a partnership that is at least 51% Inuit owned and controlled
  • Be registered as an Inuit firm with Nunavut Tunngavik Inc., if you are a corporation
  • Possess a municipal Business Licence
  • Contribute at least 10% of the costs

Other conditions apply.

Find out more here.

Small Business Support Program

If you are a Nunavut resident, or if your business is majority owned by Nunavut residents, you can apply to get financial support to help you:

  • Start or expand a business
  • Develop a marketing plan
  • Launch a pilot project or wind down your business
  • Develop business skills
  • Get training in bookkeeping, business start-up, tourism safety, and risk management
  • Purchase tools and minor capital items
  • Overcome immediate legal or bookkeeping problem

Find out more here.

Strategic Investments Program

You could qualify for funding to start or grow a business or to help build Nunavut’s economy under 2 streams.

  • Businesses: You could get between $25,000 and $250,000 to invest in your business if it operates in sectors such as manufacturing, mining, tourism, fishery development, or cultural industries. You must:
    • Match the investment you receive
    • Have management experience
    • Create long-term jobs
  • Not-for-profit corporations or societies: You could get between $50,000 and $250,000 to build community economies and support economic development in the territory. Eligible projects include:
    • Events
    • Professional development
    • Education and training
    • Infrastructure

Other conditions apply.

Find out more here.

 

ONTARIO

 AC Jump Start

 If you own a technology startup and are looking to establish and grow your business in Southern Ontario, you may be eligible for:

  • Up to $30,000 in seed capital (must be matched by recipient firms)
  • Up to $10,000 worth of in-kind mentorship by the Accelerator Centre (AC) team of experts
  • Access to market research and connections to investors

Conditions apply.

Find out more here.

Community Futures Ontario

You may be eligible for financing of up to $150,000 to start or grow your business in rural Ontario.

Repayable financing is available through loans, loan guarantees or equity investments.

You can also access services like business training and business planning support.

The financing and services offered by each centre may vary to meet local needs.

Northern Ontario is supported by FedNor and Eastern and Southern Ontario supported by FedDev Ontario.

Eastern Ontario Development Program

If you live in rural Eastern Ontario, you could be eligible for a non-repayable contribution of up to $100,000 to start or grow a business.

Eligible projects for new businesses:

  • Training and mentoring
  • Starting up

Eligible projects for existing businesses:

  • Productivity improvements
  • Market diversification
  • Innovation and product development
  • Succession planning

To qualify, you must be able to fund 50% of the project. Other conditions apply.

This program is delivered by the 15 Community Futures Development Corporations of eastern Ontario.

Find out more here.

Economic Development Initiative (Southern Ontario)

If you provide programs or services in French to a Francophone community in southern Ontario, your business could qualify for a non-repayable contribution for business development activities.

Francophone or bilingual organizations located in southern Ontario could qualify for:

  • Private sector: up to $100,000, for no more than 50% of eligible costs
  • Not-for-profits: up to $1 million for no more than 66 ⅔% of eligible costs

Eligible activities include providing support for:

  • Business start-up
  • Business development
  • Export market expansion
  • Innovation and applied R&D
  • Francophone internships

Other conditions apply.

Find out more here.

Impact Loan Program

If you are starting or expanding your business and you are unable to obtain traditional bank financing, you may be eligible for a loan of up to $5,000. Those who apply will be guided through a process for developing a business plan, as well as being offered other supports such as mentoring and networking.

To be eligible, you need to:

  • Reside in London/Middlesex
  • Demonstrate a financial need (have a low income)
  • Complete the application form
  • Submit a business plan

Other conditions apply.

SmartStart Seed Fund

You could be eligible for a grant of up to $70,000 to move your tech or innovation-based business through its validation stage. You could also receive $7,500 towards the costs of business training and other professional support services.

You need to:

  • Be a first-time applicant to this funder
  • Be a Canadian citizen or permanent resident
  • Meet the specific age requirements
  • Own an incorporated Ontario-based start-up
  • Own your intellectual property
  • Match the main funding 1:1
  • Obtain an endorsement

Other conditions apply.

Find out more here.

Starter Company Plus

If you are an Ontario resident aged 18 and over and not attending school full time, you may be eligible to apply for funding of up to $5,000 to start or expand your business. You could also receive:

  • One-on-one guidance from a business advisor
  • Mentoring from a local entrepreneur
  • Training through business workshops
  • Business experience that could help you obtain other traditional financing

You need to contribute 25% of the grant in cash or in kind. Other conditions apply.

Find out more here.

Summer Company

If you are between 15 and 29 years of age, you could get up to $3,000 to help you start and run a summer business.

You may be eligible if you are:

  • Proposing a new business
  • A current student returning to school in the fall
  • A resident of Ontario
  • A Canadian citizen or permanent resident
  • Committed to working an average of 35 hours per week
  • Not operating a business or working elsewhere for over 12 hours per week during the program
  • Not a past participant of Summer Company

Other conditions apply.

Find out more here.

Toronto Enterprise Fund

If you are planning, starting, or running a non-profit social enterprise, you can apply for funding through 3 streams:

  • Annual Business Plan Competition: seed funding for 1 year toward your non-profit social enterprise start-up in Toronto if you provide employment, or training leading to employment, for people who are socially marginalized
  • Operating grants: 3-year renewable funding agreements; business performance and social outcome goals are reviewed every year
  • Mixed Capital Fund: grant/loan hybrid of up to $30,000 for growth opportunities for your non-profit social enterprise in the Greater Toronto Hamilton area

Find out more here.

York Entrepreneurship Development Institute programs

You may be eligible to apply for free business training, certification, and mentoring for your small business or your established not-for-profit social enterprise. Depending on the program stream, you could:

  • Take a free, intensive 16-week business program
  • Qualify for up to $30,000 (includes matching contributions) in seed funding
  • Participate in entrepreneurship workshops
  • Develop your business model, plan and pitch

Other conditions apply.

Find out more here.

 

Prince Edward Island 

Atlantic Association of Community Business Development Corporations

If you live in a rural area of Atlantic Canada, you could access support to start or grow a business:

  • Help to develop your business plan
  • Business counselling
  • Training
  • Loans up to $150,000

The loan programs could help you:

  • Start or purchase a business
  • Increase your working capital
  • Adopt, develop or commercialize technology

You can find out more about this funding program here.

Business Development Program

If your business is located in Atlantic Canada, you could access interest-free loans to finance viable projects that benefit the region.

Loans cover:

  • Up to 50% of costs related to start-up, growth, construction or acquisition of a building, machinery, equipment, infrastructure, and intangible assets.
  • Up to 75% of the cost of marketing, training, productivity/quality improvement, innovation, consultation, and bidding.

Ineligible sectors include:

  • Retail/wholesale
  • Real estate
  • Personal/social services

You can find out more about this funding program here.

CBDC First-time Entrepreneur Loan

You could get up to $150,000 to start a business, if you are a first-time entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Help you buy an existing business or start a new one
  • Run either a year-round or seasonal business
  • Finance purchases or make leasehold improvements

Other conditions apply.

You can find out more about this funding program here.

CBDC General Business Loan

You could get up to $150,000 to grow your business, if you are an entrepreneur living in a rural area of Atlantic Canada.

You can use this loan to:

  • Expand an existing business
  • Tap into new market opportunities
  • Purchase a new or existing business
  • Run either a year-round or seasonal business
  • Upgrade facilities or buildings

Other conditions apply.

You can find out more about this funding program here.

CBDC Youth Loan

If you are between the ages of 18 and 34, and living in Atlantic Canada, you could get up to $150,000 to start, grow or modernize your business.

You can use this loan to:

  • Acquire the assets of a previous business
  • Apply to start-up costs, fixed assets and/or working capital
  • Run either a year-round or seasonal business
  • Eligible borrowers may be sole proprietorships, limited companies or partnerships.

Other conditions apply.

You can find out more about this funding program here.

Community Business Development Corporations — Social Enterprise Loan

You could get up to $150,000 for your non-profit social enterprise or cooperative in rural Atlantic Canada.

You can use this loan to:

  • Start, renovate or grow your social enterprise
  • Purchase assets to continue your business activities

Other conditions apply.

You can find out more about this funding program here.

Entrepreneur Loan Program

 As a PEI business owner/operator, you may be eligible to receive up to $100,000, sourced directly through Finance PEI with terms up to a maximum of 7 years.

To be eligible for the loan you must:

  • Be starting or expanding a business
  • Have available cash equity of 10% of loan amount
  • Know that working capital financing will not exceed $35,000
  • Be over the age of 18

Other conditions apply.

Find out more here.

Marketing Support Assistance

Your business may be eligible for financial assistance of up to $40,000 per year to help with the implementation of your marketing plan.

You should:

  • Have well-developed business and marketing plans
  • Be the manufacturer, processor or provider of an exportable service
  • Be in one of the strategic sectors covered by the fund

The fund covers between 25% and 40% of eligible costs for activities like research, advertising and promotion, and market investigation.

Find out more here.

Micro-Loan Program

You can apply to receive a loan up to $15,000 to start or expand your business in PEI. The funding can be used to help you with working capital requirements and is repayable up to 5 years.

Examples of eligible activities include:

  • Trades
  • Qualification recognition
  • Small-scale food production
  • Business start-up
  • Winter production financing

Other conditions may apply.

Find out more here.

Music PEI Funding Program

Are you a PEI resident or Music PEI member looking to find new opportunities for your craft? There are 3 levels of funding which focus on new artists, artists looking to export into new markets and artists looking to develop a career in the industry.

The 3 programs are:

  • Emerging Music Program (maximum of $1,000 per applicant)
  • Export Development Program (maximum of $2,200 per applicant)
  • Career Investment Program (maximum of $10,000 for a one year program)

Other conditions apply.

Find out more here.

New Business Growth Program

If you are an established musician in PEI, you can apply for this subsidized program designed to help you further develop your career, particularly the ability to create multiple revenue streams and improve your business management skills.

The program has 4 major components:

  • Registering your complete catalogue of music
  • Professionalizing your business
  • Marketing and promotion
  • Completion of a business course

To be eligible, you must:

  • Be a member of Music PEI
  • Qualify as an “Export Ready Artist” or “Exporting Artist”
  • Contribute 20% ($600) of the cost of the program

Other conditions apply.

Find out more here.

Self-Employ PEI

If you are unemployed and are considering starting your own business, you may be eligible to receive benefits to help you do so.

To qualify for the Labour Market Development Agreement component you must:

  • Be unemployed and legally authorized to work in Canada
  • Have a current claim for EI benefits
  • Be an unemployed and non-EI eligible member of one of the Labour Market Agreement priority groups

Other conditions may apply.

Find out more here.

Small Business Assistance

If you have a Prince Edward Island business with fewer than 100 employees and sales under $10 million, you can apply for a small business loan to purchase or expand a business, consolidate debt or undertake new construction.

This includes:

  • Intermediate-term loans — Should coincide with the life of the asset being financed, but will not exceed 10 years
  • Long-term loans — Can be used for debt restructuring, expansion, refurbishment, and the purchase of fixed assets. Maximum term is 20 years

Other conditions apply.

Find out more here.

Tourism Financing Assistance

You may be able to get a loan of up to 80% of the value of an expansion, debt consolidation, new construction, refurbishment of fixed assets or the purchase and/or acquisition of a business. To qualify, your business needs to:

  • Have a valid tourism establishment licence
  • Not be a bed and breakfast
  • Have at least 3 lodging units
  • Earn at least a 2½-star rating once the project is finished

You have a maximum of 20 years to repay the loan. You can also get up to 100% financing for pre-season preparation of your facility.

Other conditions may apply.

find out more here.

 

QUEBEC

SMBs and Large Corporations — Project Financing

You may be eligible for a loan, a loan guarantee, or funding in “quasi-equity” of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

Find out more here.

Community Futures Program (Quebec)

If you live in a rural area or in a region that doesn’t have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

Find out more here.

Cooperative Buyout Support Program

If you are a member partner of a cooperative, you may be eligible for funding between $100,000 and $2 million for the full or partial buyout of a business to ensure its succession.

Conditions include:

  • Repayment over a maximum period of 15 years
  • A fixed interest rate equivalent to Quebec Government bond yield plus 1.25%
  • A sliding scale of interest for the first 5 years
  • A moratorium on the principal repayment of up to 3 years for a full buyout

Other conditions apply.

Find out more here.

Development Capital

You could receive funding of $5 million or more in the form of a loan guarantee, a subordinate loan or equity participation for projects such as:

  • Share buybacksBusiness acquisition
  • Productivity improvement or growth (expansion, equipment upgrades)

All Quebec businesses are eligible, except for those working in the following sectors:

  • Agriculture
  • Finance and insurance
  • Real estate
  • Retail sales
  • Other sectors in which the client base is made up mainly of individuals, except for the tourism sector

Other conditions apply.

Find out more here.

ESSOR — Funding support for development projects

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

  • Business creation
  • Business expansion or modernization

The project must help maintain or create jobs.

Find out more here.

Femmessor — Réussir en affaires

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Find out more here.

FIJE Fund

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

Other conditions apply.

Financial support for aspiring farmers

If you are planning to take over an existing farm or start a new agriculture business, you could receive a grant of up to $50,000.

You could invest in activities that improve the productivity of your business, for example:

  • Land improvement
  • Equipment purchase

You must:

  • Be 18 to 40 years old
  • Have received recognized training
  • Hold at least 20% of the business’ shares
  • Have at least one year of relevant experience in agriculture

Other conditions apply.

Find out more here.

Fonds d’aide à l’économie de Lac-Mégantic

You could get financial assistance for eligible projects or activities carried out within the town of Lac-Mégantic, such as:

  • Assessment projects
  • Market development
  • Hiring strategic personnel
  • Business start-ups supporting economic and tourism development
  • Installation or improvement of public infrastructures

The fund will contribute up to:

  • 90% for studies
  • 80% for other activities and projects

Eligible support projects must follow sustainable development principles.

Other conditions apply.

Find out more here.

Fonds d’appui au rayonnement des régions

You could receive financial assistance of up to $1 million for your organization if it contributes to business development or the enhancement of the appeal of living environments.

The project must:

  • Be carried out within an administrative region of Quebec, except for the regions of Montreal and the Capitale-Nationale
  • Be in line with a regional priority
  • Have regional scope
  • Obtain sectoral funding when a government program exists and an envelope is available

Other conditions apply.

Find out more here.

Fonds d’investissement en agroalimentaire Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

Other conditions apply.

Find out more here.

Fonds d’investissement pour la relève agricole

If you are an agricultural entrepreneur or on your way to becoming one, you could be eligible to receive assistance including:

  • A down payment loan of up to $250,000 to be used, for example, to purchase equipment, buildings, agricultural land, quotas, or an entire farm
  • The lease of land with option to repurchase at market value or with inflation protection of an annual maximum rate of 3.5%

To be eligible, you must:

  • Be between 18 and 39 years old
  • Have completed a recognized training/educational program
  • Hold at least 20% of the business’s shares

Other conditions apply.

Find out more here.

Fonds de développement économique de la région de la Capitale-Nationale

You could receive a non-repayable contribution to support your projects in the Capitale-Nationale region, such as:

  • The marketing of a product
  • Improvements to services and infrastructure
  • Conferences and cultural or sporting events
  • Opportunity and feasibility studies

The structuring effect of the project is evaluated according to its:

  • Economic benefits
  • Extra-regional outreach
  • Contribution to economic development

The retail and wholesale trades and accommodation and food services sectors are not eligible.

Find out more here.

Fonds de diversification économique de la MRC des Appalaches

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Find out more here.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Find out more here.

Fonds de diversification économique — MRC des Sources

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Find out more here.

Fonds Jeunes Entreprises

You could receive a non-repayable financial contribution of up to $15,000 to fund business projects such as:

  • Equipment purchase
  • Leasehold improvements
  • Marketing expenses
  • Working capital

You must:

  • Have your business and head office in Montreal
  • Operate a business that is less than 5 years old
  • Submit a business plan that demonstrates the viability of your project
  • Work full-time in the business

This grant must be matched with a loan from the MTL SME Fund.

Other conditions apply.

Find out more here.

FONDS MOSAÏQUE

If you are a member of one of Quebec’s cultural communities, you could receive a loan or loan guarantee ranging from $50,000 to $500,000 to start your own business or fund a project for your business that has been in operation for less than 5 years.

To be eligible, you must:

  • Be 18 years of age or older and a member of a cultural community
  • Provide a business plan for your for-profit project
  • Submit your financial forecasts or statements
  • Demonstrate training or experience relevant to the project

Other conditions apply.

Find out more here.

Fonds Tourisme PME

You could receive up to $250,000 in funding for your for-profit or social economy (not-for-profit or cooperative) business in the tourism sector.

The loan could be used to:

  • Finance facilities and equipment
  • Increase working capital

You must meet the following criteria:

  • Not be in a recovery process
  • Have a down payment of between 15% and 25% of the total cost of the project
  • Have relevant experience in the field
  • Demonstrate the potential for long-term sustainability of the project

Other conditions apply.

Find out more here.

Forestry Financing

If you are planning to manage a private wooded area of at least 60 hectares, you could receive a loan of up to $750,000 for projects such as:

  • Purchase of woodlots or forestry operations
  • Acquisition of machinery and equipment
  • Construction or renovation of buildings
  • Management of forestry work
  • Purchase or buy-back of shares

You must :

  • Be at least 18 years of age
  • Hold a forest  producer certificate or be in the process of obtaining one
  • Present a potentially profitable project

Other conditions apply.

Find out more here.

Jeunes entreprises collectives

If you operate a cooperative, you could receive funding of $23,000 or more, including a:

  • $3,000 grant from the Caisse d’économie solidaire Desjardins
  • $10,000 subsidy as part of the Fonds de développement de l’économie sociale
  • $10,000 loan from PME MTL, the Caisse d’économie solidaire Desjardins or another partner

You must:

  • Operate a new coperative on the Island of Montreal
  • Be a member, or agree to become a member, of the Caisse d’économie solidaire
  • Submit a viable business plan

Other conditions apply.

Find out more here.

Le Fonds ADM

Are you a Montreal entrepreneur aged 18 to 40? If so, you may receive a $7,500 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident
  • Have your head office in Montreal
  • Have met 100% of your crowdfunding objective of at least $7,500 on Quebec’s La Ruche platform since January 1, 2017
  • Demonstrate your project’s viability and profit potential

Other conditions apply.

Find out more here.

Local investment fund

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

  • Capital expenditures
  • Technology acquisition
  • Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Find out more here.

MicroEntreprendre

Are you unable to obtain traditional financing to start your business?

You could obtain a loan of $500 to $20,000 from this network, which will also give you technical assistance to structure a viable project.

Find out more here.

PME MTL Fund

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

Other conditions apply.

Find out more here.

Programme de soutien à la reprise collective

Do you want to sell your business? Do you own a co-operative and want to buy a business? If so, you may receive financial assistance for up to 70% of eligible expenses.

The program includes 2 streams.

Stream 1 — Feasibility study

  • Assess the investment potential of a group of workers
  • Assess the organizational culture

Stream 2 — Implementation support

  • Assess the value of the business and purchase price
  • Conduct due diligence
  • Complete a shareholder agreement or purchase contract

Find out more here.

Soutien à l’achat d’une première entreprise de pêche commerciale

Are you a young fisher looking to buy your first commercial fishing business? If so, you could receive funding up to a maximum of $25,000. Additional funding of up to $25,000 may be provided if you are a fisher less than 45 years of age.

You must:

  • Live in Quebec
  • Fish commercially
  • Be registered with the Bureau d’accréditation des pêcheurs et des aides-pêcheurs

Other conditions apply.

Find out more here.

Support for Québec Farm Business Development

You could benefit from an investment grant of up to $20,000 for development projects such as:

  • Increased production volume, performance, or profitability
  • Compliance with animal welfare and organic production standards
  • Start-up of a new agricultural or agri-food business

Your project should also involve:

  • Construction or renovation of a building, including necessary equipment
  • Land improvement works, such as drainage or reclamation of fallow land

Other conditions apply.

Find out more here.

Support for self-employment

You could get financial assistance and expert advice to start your own business or create your own job.

Eligible projects must:

  • Be viable
  • Meet a local need
  • Not create unfair competition

You may be eligible for assistance if one of the following situations apply:

  • You are receiving employment insurance benefits
  • You are receiving social assistance
  • You are unemployed and not receiving government income support
  • You are working, but your job is at risk

Other conditions apply

Find out more here.

Tourism development north of the 49th parallel

You could benefit from a non-repayable contribution to cover up to 90% of eligible costs if you have a tourism development project to be carried out north of the 49th parallel.

Projects must have the following objectives:

  • Increase accommodation capacity and quality
  • Diversify outfitters’ activities to attract new customers
  • Increase the number of tourist attractions and the amount of infrastructure
  • Extend the tourist season in the regions
  • Generate additional tourist spending and economic spinoffs

Other conditions apply.

Find out more here.

Volunteer Fund

If you are between 16 and 29 years old, you can leverage the expertise offered by local resources. Benefit from support monitoring and validation of your entrepreneurial skills, and reimbursement of costs associated with exploring a business project.

To qualify you must:

  • Have difficulty obtaining employment
  • Devote at least 20 hours per week to your project
  • Work no more than 20 hours per week at a job
  • Not be a full time student

Other conditions apply.

Find out more here.

 

SASKATCHEWAN

City of Saskatoon Business Development Incentive

If your business is located in Saskatoon, you may be eligible for a tax abatement. To be considered, you must:

  • Be a legally incorporated
  • Show that your business will create new full-time jobs
  • Be involved in one of the following industries:
    • Energy
    • Oil and Gas
    • Mining
    • Manufacturing
    • Processing
    • Telecommunications
    • Transportation and Logistics
    • Data processing
    • Technology

Other conditions apply.

Find out more here.

Community Futures Saskatchewan — Loans for small businesses

If you live in rural or northern Saskatchewan, you could get a loan of up to $150,000 to start, buy or grow a small business or to develop new products.

You need to:

  • Have a viable business plan
  • Invest some of your money in the project

If you are a young entrepreneur or if you have a disability, there are also loans designed specifically for you.

Loans have flexible repayment terms. Other conditions apply.

Services like business training and counselling may also be available.

Find out more here.

Creative Saskatchewan Investment Programs

If you are an artist or creative producer in Saskatchewan with a product ready to sell, you can apply to receive continuous or defined intake grants to support your efforts.

There are grants available under the following categories:

  • Music
  • Screen-based media
  • Visual arts and fine craft
  • Book publishing
  • Live performing arts
  • Digital media

Conditions apply.

Find out more here.

Elevate!

If you are a person with a disability looking to start a business in a rural, remote or northern community of Alberta, Saskatchewan or Manitoba, you may be eligible to receive support.

You could access:

  • Financial help with living, travel and childcare expenses
  • Business mentors
  • Accounting and bookkeeping support
  • Training and learning opportunities

Find out more here.

Entrepreneurs with Disabilities Program (Manitoba, Saskatchewan, Alberta & British Columbia)

If you have a disability, you could get help to start or grow your business. You can apply for mentoring, business training, and counselling. In some locations, you could also get a business loan.

You need to:

  • Live in Western Canada
  • Be unable to get a loan from a bank
  • Have a workable business plan
  • Require help with some business activities due to your disability

Apply at your regional Community Futures office, if you live in a rural area, or at select organizations, if you live in a major western city.

You can find out more about this funding program here.

Saskatchewan art and creative grants

If you live in Saskatchewan and are an artist or work in the arts industry, you can access a variety of funding programs and professional development services to help you or your organization develop and market your work.

The programs cover a variety of eligible activities, including:

  • Events
  • Research projects
  • Touring / Event travel
  • Cultural projects
  • Innovation
  • Production / presentation of works

Other conditions apply.

Find out more here.

Self-Employment Program (Saskatchewan)

If you are an unemployed resident of Saskatchewan, you may be able to get help starting or developing your business, if you:

  • Are unemployed
  • Are at least 18 years old and entitled to work in Canada
  • Have a viable  business idea
  • Have not participated in a Self-Employment Program funded by the Saskatchewan or federal government within the past 5 years

You may be eligible for income from Employment Insurance, the Skills Training Benefit, or from the Provincial Training Allowance.

Visit your regional Labour Market Service Office to learn if you are eligible.

Other conditions apply.

Find out more here.

Women Entrepreneurs of Saskatchewan Inc.

Are you a woman living in Saskatchewan and thinking of starting a business, purchasing a business or operating an existing business?

When you become a member, you could access:

  • Repayable loans of up to $150,000
  • Advisory services
  • Business development seminars
  • Mentoring and networking
  • Customized business coaching and support

You must be operating or about to operate a business in Saskatchewan that is at least 51% owned or controlled by a woman.

Other conditions apply.

Find out more here.

 

YUKON

 Entrepreneurship and Business Development Fund

If you are Aboriginal and live in the Canadian North, you could get financing to start or grow a business.

You need to:

  • Be able to put in some of your own money
  • Have experience in the type of business for which you’re seeking funding
  • Manage the business yourself

To apply, you need to be Status or Non-status Indian, Métis or Inuit; if not, at least 51% of the business needs to be owned by Aboriginal people.

Find out more here.

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