Canada Small Business Financing Program

Loans up to $1.15M, accessed through your financial institution.

Rolling — no deadline, apply anytime through a participating lender.

AMOUNT

Loans up to $1.15M, accessed through your financial institution.

AMOUNT

Loans up to $1.15M, accessed through your financial institution.

DEADLINE

Rolling — no deadline, apply anytime through a participating lender.

DEADLINE

Rolling — no deadline, apply anytime through a participating lender.

FUNDING TYPE

Loan

CAN YOU GET THIS?

You need to be a small business operating in Canada — no industry or stage restrictions.

This is a government loan guarantee program, not a grant. You apply through a participating financial institution, not directly to the government. The program covers working capital, equipment, intellectual property, renovations, and more.

YOUR REAL ODDS

Approval depends on your lender, not a competitive selection process — there is no pitch or review panel.

Because the government shares the risk with lenders, banks are more willing to approve businesses that might not qualify for a standard commercial loan. Your odds hinge on your lender's standard creditworthiness assessment.

WHAT IT TAKES

Find a participating lender near you using the program's lender search tool — 1–2 hours
Ask your financial institution specifically about the CSBFP when discussing a loan or line of credit — 1 meeting
Complete the lender's standard loan application process — 1–4 weeks depending on lender

WORTH KNOWING

The 2022 program enhancements added a line of credit option and expanded eligible costs to include working capital and intellectual property — uses that weren't covered under the older version of the program.

Apply on the funder’s site →

Start Up Loans Scheme

£500–£25,000 (average £10,264); repaid over 1–5 years at a fixed 7.5% annual rate.

UK-based founders at idea stage or trading under 60 months can borrow up to £25,000 at a fixed 7.5% rate.

Kiva U.S. Small Business Microloan

$1,000–$15,000 loan, 0% interest, no fees, repaid over 12–36 months.

U.S. small business owners and early-stage founders can apply for a 0% interest, no-fee loan of up to $15,000 on a rolling basis.

Kiva U.S. Small Business Microloan

$1,000–$15,000, repaid over 12–36 months at 0% interest with no fees.

U.S. small business owners and early-stage founders can get a 0% interest loan up to $15,000 with no minimum credit score.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

Explore the funding database →

$19/month · cancel anytime