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Loans and cash advances

Examine various borrowing possibilities for your new or existing business.

• Loan guarantees
  
  http://www.canadabusiness.ca/eng/guide/1140/
  Having trouble securing a loan for your business? A government-backed loan guarantee could help you attract creditors.
• Aboriginal Business Development Fund (Ulnooweg Loan)
  
  http://www.canadabusiness.ca/eng/summary/1228/
  Applies to: New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador
  Funding for Aboriginal people in Atlantic Canada to start, buy, grow or refinance a business.
• Advance Payments Program
  
  http://www.canadabusiness.ca/eng/summary/964/
  Applies to: All of Canada
  You can apply for a cash advance of up to $400,000 for your agricultural business.
• Agricultural Development Loans
  
  http://www.canadabusiness.ca/eng/summary/2300/
  Applies to: Saskatchewan
  Access loans for your Aboriginal agriculture business. Agricultural loans are available to First Nations individuals, bands, tribal councils and First Nation owned corporations.
• Agriculture Financial Services Corporation Lending
  
  http://www.canadabusiness.ca/eng/summary/2819/
  Applies to: Alberta
  Access loans and services to start or grow farm, agribusiness or other small business.
• AgriProcessing Initiative
  
  http://www.canadabusiness.ca/eng/summary/4219/
  Applies to: All of Canada
  If you are a Canadian processor of agricultural products, you could receive money for new machinery to help you update your manufacturing processes.
• Alberta Indian Investment Corporation
  
  http://www.canadabusiness.ca/eng/summary/2451/
  Applies to: Alberta
  If you are an Aboriginal entrepreneur seeking financing and business support, learn about loans, equity investments and services available to you.
• NextStep to Success
  
  http://www.canadabusiness.ca/eng/summary/2483/
  Applies to: Alberta
  You could access loans of up to $150,000 if you are an Aboriginal woman in Alberta who owns a business or who would like to start one.
• Apeetogosan Métis Development Inc.
  
  http://www.canadabusiness.ca/eng/summary/2448/
  Applies to: Alberta
  Are you an established or budding Métis entrepreneur seeking financing and business support services? If so, learn about direct business loans, equity investments and business services.
• Aquaculture Loans and Loan Guarantees
  
  http://www.canadabusiness.ca/eng/summary/2003/
  Applies to: New Brunswick
  Obtain direct loans to finance viable projects for the purchase or construction of various aquaculture capital costs such as equipment and buildings.
• Aquaculture Loan Program
  
  http://www.canadabusiness.ca/eng/summary/2382/
  Applies to: Nova Scotia
  Apply for a loan to establish, maintain or expand your aquaculture business.
• ATB Financial
  
  http://www.canadabusiness.ca/eng/summary/2478/
  Applies to: Alberta
  Access business loans and other banking services from your local Alberta branch.
• Atuqtuarvik Corporation — Loan Services
  
  http://www.canadabusiness.ca/eng/summary/2956/
  Applies to: Nunavut
  If you are Inuit and live in Nunavut, you can get money to start, buy or grow a business.
• BDC Growth Capital for Aboriginal Business
  
  http://www.canadabusiness.ca/eng/summary/937/
  Applies to: All of Canada
  Find out how you could get money to help start or grow your Aboriginal business.
• BDC Market Xpansion Loan
  
  http://www.canadabusiness.ca/eng/summary/1052/
  Applies to: All of Canada
  Get financing to help you explore new domestic or foreign market opportunities.
• BDC Subordinate Financing
  
  http://www.canadabusiness.ca/eng/summary/1207/
  Applies to: All of Canada
  An alternative way to finance the growth of your profitable business
• BDC Financing
  
  http://www.canadabusiness.ca/eng/summary/1049/
  Applies to: All of Canada
  You could get money to help you start or grow your business.
• Black Business Initiative — Financial Support
  
  http://www.canadabusiness.ca/eng/summary/4809/
  Applies to: Nova Scotia
  Access a business loan as an African Nova Scotian entrepreneur.
• Business Attraction Fund
  
  http://www.canadabusiness.ca/eng/summary/3286/
  Applies to: Newfoundland and Labrador
  Get a loan or equity investment to establish your company in Newfoundland and Labrador.
• Business Development Program
  
  http://www.canadabusiness.ca/eng/summary/943/
  Applies to: New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island
  Access funds to start, expand or improve your business in Atlantic Canada.
• Business Financing Program
  
  http://www.canadabusiness.ca/eng/summary/2075/
  Applies to: Nova Scotia
  Access loans and guarantees for your new or expanding business.
• Buying a business
  
  http://www.canadabusiness.ca/eng/summary/7295/
  Applies to: All of Canada
  Find out how you may get financing to buy an existing business.
• Canada Media Fund
  
  http://www.canadabusiness.ca/eng/summary/5388/
  Applies to: All of Canada
  If you are a Canadian television or digital media producer, you could get financial assistance to produce television shows and interactive games.
• Canadian Agricultural Loans Act program
  
  http://www.canadabusiness.ca/eng/summary/2207/
  Applies to: All of Canada
  Find out how you could use this loan guarantee program to secure credit for your farming business.
• Capitalization of Social Economy Companies
  
  http://www.canadabusiness.ca/eng/summary/4578/
  Applies to: Quebec
  You could obtain a capitalization loan or benefit from the purchase of preferred shares for your social economy company.
• Clarence Campeau Development Fund
  
  http://www.canadabusiness.ca/eng/summary/2424/
  Applies to: Saskatchewan
  If you are Métis, you could get money to help you start a business or grow the one you have.
• Commercial loans
  
  http://www.canadabusiness.ca/eng/summary/2425/
  Applies to: Saskatchewan
  Learn about commercial loans for your Aboriginal business in Saskatchewan.
• Community Business Development Corporations Business Loans Programs — Atlantic Provinces
  
  http://www.canadabusiness.ca/eng/summary/1063/
  Applies to: New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island
  You could get up to $150,000 to start or grow a business in rural areas of Atlantic Canada or to get new technology to modernize it.
• Community Futures Alberta — Small Business Loans
  
  http://www.canadabusiness.ca/eng/summary/1066/
  Applies to: Alberta
  You could get a loan to start or grow a business if you live in rural Alberta.
• Community Futures British Columbia — Financing Programs for Entrepreneurs
  
  http://www.canadabusiness.ca/eng/summary/6172/
  Applies to: British Columbia
  You could get money to start or grow a business if you live in a rural area of British Columbia.
• Community Futures Manitoba — Small Business Loans
  
  http://www.canadabusiness.ca/eng/summary/6175/
  Applies to: Manitoba
  You could get money to start or grow a business if you live in a rural area of Manitoba.
• Community Futures Saskatchewan — Loan Products for Small Businesses
  
  http://www.canadabusiness.ca/eng/summary/6178/
  Applies to: Saskatchewan
  You could get a loan to start or grow a business if you live in rural or northern Saskatchewan.
• Community Futures Program
  
  http://www.canadabusiness.ca/eng/summary/2938/
  Applies to: Northwest Territories
  If you are starting a new business or looking to grow your existing business in the Northwest Territories, you may be eligible for business assistance, funding or counselling.
• Community Futures Program — Ontario
  
  http://www.canadabusiness.ca/eng/summary/1069/
  Applies to: Ontario
  Get funding for starting or growing your business in Northern Ontario or rural areas of Southern Ontario.
• Community Futures Program — Quebec
  
  http://www.canadabusiness.ca/eng/summary/1072/
  Applies to: Quebec
  Get funding for starting or growing a business in a rural or disadvantaged area of the province of Quebec.
• Conseil de développement économique des municipalités bilingues du Manitoba: Financing
  
  http://www.canadabusiness.ca/eng/summary/1230/
  Applies to: Manitoba
  If you are a Francophone living in Manitoba, you may be able to get financing to start or grow a business.
• Conseil de la coopération de la Saskatchewan: Financing
  
  http://www.canadabusiness.ca/eng/summary/1229/
  Applies to: Saskatchewan
  If you are a Francophone living in Saskatchewan, you may be able to get financing to start or grow a business.
• CYBF Start-Up Program
  
  http://www.canadabusiness.ca/eng/summary/1216/
  Applies to: All of Canada
  Are you between 18 and 34 years old? If you are a Canadian resident with a good business idea, you could get $15,000 or more to start or run a business full-time.
• CYBF Newcomer Program
  
  http://www.canadabusiness.ca/eng/summary/1215/
  Applies to: All of Canada
  If you are a recent immigrant to Canada and are between the ages of 18 and 34 years old, you can apply for money to start a business.
• CYBF's Expansion Program
  
  http://www.canadabusiness.ca/eng/summary/1211/
  Applies to: All of Canada
  You could get $10,000 to grow your business if you received a start-up loan from the Canada Youth Business Foundation within the last three to five years.
• ECO-FINANCING
  
  http://www.canadabusiness.ca/eng/summary/6341/
  Applies to: Quebec
  You could obtain a loan, loan guarantee or quasi-equity funding to institute environmentally friendly business practices within your business.
• Emerging Technology Program (Northern Ontario)
  
  http://www.canadabusiness.ca/eng/summary/2804/
  Applies to: Ontario
  You may be eligible for funding to research and develop new technology if you operate an incorporated business in Northern Ontario.
• Energy Loan
  
  http://www.canadabusiness.ca/eng/summary/4495/
  Applies to: All of Canada
  Find financing to help your agricultural or agri-business produce its own renewable energy.
• Enterprise Cape Breton Corporation
  
  http://www.canadabusiness.ca/eng/summary/3031/
  Applies to: Nova Scotia
  Find out how Enterprise Cape Breton Corporation can help your business. Get help with financing, investment, business expansion and development for businesses in the Cape Breton and Mulgrave areas.
• Enterprises North Job Creation
  
  http://www.canadabusiness.ca/eng/summary/2822/
  Applies to: Ontario
  You may be eligible for funding up to $1 million to help expand your business or create jobs for Northern Ontario.
• Entrepreneurs With Disabilities Program
  
  http://www.canadabusiness.ca/eng/summary/2702/
  Applies to: Alberta, British Columbia, Manitoba, Saskatchewan
  If you are an entrepreneur with a disability, there may be a business loan you could access to help your business reach its full potential.
• FACTOR Programs for the Recording Industry
  
  http://www.canadabusiness.ca/eng/summary/1284/
  Applies to: All of Canada
  If you have a recording business or if you are a song-writer, composer or musician and record in English, you could get money for your business.
• Farm Credit Canada Products and Services
  
  http://www.canadabusiness.ca/eng/summary/3705/
  Applies to: All of Canada
  Access capital for your farming or agri-business operation.
• Feature Film Distribution Assistance
  
  http://www.canadabusiness.ca/eng/summary/2074/
  Applies to: Nova Scotia
  Receive a repayable advance for the theatrical release costs of your film.
• FedNor Innovation Fund
  
  http://www.canadabusiness.ca/eng/summary/6676/
  Applies to: Ontario
  Find out how you could receive funding for adoption and commercialization of new technologies for your small or medium business.
• Fiducie du Chantier de l'économie sociale
  
  http://www.canadabusiness.ca/eng/summary/4576/
  Applies to: Quebec
  Do you need funding to start a business or develop new social economics projects?
• Film or Television Development Loans
  
  http://www.canadabusiness.ca/eng/summary/2394/
  Applies to: Nova Scotia
  Obtain an interest-free loan to support the development of your film or television project through its initial stages.
• Financial Assistance to Industry Program
  
  http://www.canadabusiness.ca/eng/summary/2005/
  Applies to: New Brunswick
  You could get a loan or loan guarantee to start, grow or maintain your business in New Brunswick.
• Financial Programs
  
  http://www.canadabusiness.ca/eng/summary/2939/
  Applies to: Northwest Territories
  Are you looking to obtain financing for your business? This program offers term loans, equity, contributions and letters of credit.
• Financing for an Equipment Purchase
  
  http://www.canadabusiness.ca/eng/summary/7235/
  Applies to: All of Canada
  Learn how to get financing to buy new or used equipment or commercial vehicles for your business.
• Financing for Land and Building Purchase
  
  http://www.canadabusiness.ca/eng/summary/7233/
  Applies to: All of Canada
  Find out how to get financing to buy land or commercial buildings or to build or expand your existing commercial facilities.
• Financing for working capital
  
  http://www.canadabusiness.ca/eng/summary/7269/
  Applies to: All of Canada
  Find out how you may get a loan to grow your business.
• First Nation Youth Livestock Program
  
  http://www.canadabusiness.ca/eng/summary/2427/
  Applies to: Saskatchewan
  If you are an Aboriginal youth interested in a livestock operation, this program can help you build equity by providing financing, training and support.
• Fisheries and aquaculture loans
  
  http://www.canadabusiness.ca/eng/summary/2973/
  Applies to: Prince Edward Island
  Your commercial fishery and/or aquaculture business may be eligible for funding.
• Fishing Vessel Loan Program
  
  http://www.canadabusiness.ca/eng/summary/2396/
  Applies to: Nova Scotia
  Apply for a loan to purchase, build or modify your fishing vessel in Nova Scotia.
• Fonds afro-entrepreneurs — Loans to Afro-Québécois businesspeople
  
  http://www.canadabusiness.ca/eng/summary/3694/
  Applies to: Quebec
  Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee for your business' needs.
• Fonds Bio-Innovation
  
  http://www.canadabusiness.ca/eng/summary/2855/
  Applies to: Quebec
  Do you need funding for your technological innovation development project?
• Group Entrepreneurship: Funding social economy enterprises
  
  http://www.canadabusiness.ca/eng/summary/4361/
  Applies to: Quebec
  You could obtain funding for your social economy enterprise.
• Indian Business Corporation
  
  http://www.canadabusiness.ca/eng/summary/2464/
  Applies to: Alberta
  Learn about direct business loans and business services for Aboriginal entrepreneurs.
• Information Technology, Aerospace, and Manufacturing and Processing Loans
  
  http://www.canadabusiness.ca/eng/summary/6832/
  Applies to: Prince Edward Island
  Find out about term financing and lines of credit for your information technology, aerospace, or manufacturing and processing business.
• Fisheries Loans
  
  http://www.canadabusiness.ca/eng/summary/1561/
  Applies to: New Brunswick
  Obtain direct loans for the construction, purchase or repairs of commercial fishing vessels, or replacement of motors and fishing equipment.
• Local Investment Fund
  
  http://www.canadabusiness.ca/eng/summary/2361/
  Applies to: Quebec
  Apply for financing to start or expand a business in Quebec.
• Manitoba Industrial Opportunities Program
  
  http://www.canadabusiness.ca/eng/summary/2964/
  Applies to: Manitoba
  Access funding for your small business to advance technology and create long term, high skilled jobs.
• MASC Lending Programs and Loan Guarantees
  
  http://www.canadabusiness.ca/eng/summary/2968/
  Applies to: Manitoba
  Tap into numerous programs tailored to meet your needs and access smart interest rates on loans and guarantees.
• Master Pre-Shipment Financing Program
  
  http://www.canadabusiness.ca/eng/summary/3298/
  Applies to: Newfoundland and Labrador
  Access loans to open new markets and expand your business through exporting.
• New Entrant Farmer Loan Program
  
  http://www.canadabusiness.ca/eng/summary/2226/
  Applies to: New Brunswick
  You could get up to $750,000 in loans to help you buy a farm.
• New Land Purchase Program
  
  http://www.canadabusiness.ca/eng/summary/2236/
  Applies to: New Brunswick
  Lease agricultural land purchased on your behalf by the Agricultural Development Board for a period of up to six years in return for annual lease payments.
• Northern Development Fund
  
  http://www.canadabusiness.ca/eng/summary/2408/
  Applies to: Saskatchewan
  You could access loans and grants to develop your Northern Saskatchewan business.
• Northern Ontario Development Program
  
  http://www.canadabusiness.ca/eng/summary/1295/
  Applies to: Ontario
  Apply for financing to grow your business in Northern Ontario.
• NORTHSTAR Trade Finance Inc.
  
  http://www.canadabusiness.ca/eng/summary/1222/
  Applies to: All of Canada
  Your foreign customer can get financing to purchase your products and services.
• Nova Scotia farm loans
  
  http://www.canadabusiness.ca/eng/summary/3809/
  Applies to: Nova Scotia
  Apply for a loan to help fund your agricultural business.
• Nunavut Business Credit Corporation
  
  http://www.canadabusiness.ca/eng/summary/5876/
  Applies to: Nunavut
  If you live in Nunavut, you can get up to $1 million to start or grow a business there.
• Metis-Dene Development Fund — Northwest Territories
  
  http://www.canadabusiness.ca/eng/summary/3226/
  Applies to: Northwest Territories
  Are you a majority-owner of a business in the Northwest Territories? You may be able to get money to help you grow your business.
• Funding programs for Nunavut filmmakers
  
  http://www.canadabusiness.ca/eng/summary/2952/
  Applies to: Nunavut
  If you are a filmmaker, producer or production company based in Nunavut, you can get money to create films, television shows and digital media.
• Perennial Crop Establishment Loan Program
  
  http://www.canadabusiness.ca/eng/summary/2230/
  Applies to: New Brunswick
  You could get a loan to finance your perennial crops in New Brunswick for up to 75% of their enhanced value.
• Project Finance
  
  http://www.canadabusiness.ca/eng/summary/2127/
  Applies to: All of Canada
  Financing for large-scale global infrastructure or industrial projects that generate economic benefits for Canada and that may create export opportunities for your business.
• Settlement Investment Corporation
  
  http://www.canadabusiness.ca/eng/summary/2470/
  Applies to: Alberta
  As a Métis business owner, you could get support with direct business loans and services, such as business plan development and training.
• Shellfish Aquaculture Working Capital Fund
  
  http://www.canadabusiness.ca/eng/summary/2282/
  Applies to: Newfoundland and Labrador
  Access working capital to expand your existing commercial aquaculture business.
• Small and Medium-Sized Enterprise Fund
  
  http://www.canadabusiness.ca/eng/summary/4342/
  Applies to: Newfoundland and Labrador
  If you operate in a strategic growth sector, you could access up to $500,000 in term loans or equity investments to start, modernize or expand your small or medium enterprise.
• Small Business and Tourism Loans
  
  http://www.canadabusiness.ca/eng/summary/6859/
  Applies to: Prince Edward Island
  Obtain a loan to purchase or expand a business, consolidate debt, or undertake new construction.
• Small Business Loans Association Program
  
  http://www.canadabusiness.ca/eng/summary/2406/
  Applies to: Saskatchewan
  You may be eligible for a loan of up to $15,000 even if you have had difficulty getting financing through traditional methods.
• Transition financing
  
  http://www.canadabusiness.ca/eng/summary/7274/
  Applies to: All of Canada
  If you are retiring or ready to sell your business, you could get money for succession planning.
• UNIQ Financing — Working capital
  
  http://www.canadabusiness.ca/eng/summary/7466/
  Applies to: Quebec
  You could get a loan, a loan guarantee or quasi-equity financing to increase the working capital for your business.
• UNIQ Financing — Capital Assets
  
  http://www.canadabusiness.ca/eng/summary/7468/
  Applies to: Quebec
  You could obtain a loan, loan guarantee or quasi-equity financing to acquire assets for your business.