Repayable capital — CSBFP, BDC and EDC — usually below-market and built to stack with the grants and tax credits you also qualify for.
Government-backed and crown-corporation lenders, usually accessed through a bank or directly.
Government-backed term loans through your bank for equipment, property and leasehold improvements.
Working capital, growth and cleantech lines — often below-market, repayable, and stackable with grants.
Export financing, accounts-receivable insurance and buyer financing to de-risk international sales.
Loans for rural and regional small businesses through local development organizations.
Repayable programs, summarized with rate, cap and terms.
Sub-12% blended rate for cleantech SMEs with $1M+ audited revenue. Stacks with IRAP and SR&ED.
6,409 loans were registered in 2024-25 through participating financial institutions.
Buyer financing and receivables insurance to de-risk international sales.
Finance the gap between R&D spending and receiving your refund.
Local development organizations lend to regional SMEs banks often pass on.
Specialized lending for primary producers and the agri-food value chain.
No. Loans are repayable capital — you pay them back, usually at a favourable rate. Grants are non-repayable. Many companies use both: a grant or tax credit to reduce project cost, and a loan to finance the cash-flow gap. CanaGrants labels each opportunity by type so you never confuse them.
The Canada Small Business Financing Program shares the risk of term loans made by your bank or credit union — up to $1.15M for equipment, property and leasehold improvements. You apply through a participating financial institution, not the government directly.
Yes. A common structure is IRAP cost-sharing the R&D, SR&ED refunding more at filing, and a BDC line financing the portion you fund yourself. We flag stacking considerations on each brief — confirm terms with the lender and the official program.
No. CanaGrants is software that helps you find and track financing programs from Canadian lenders and government bodies. We are not a lender or a government agency — always verify rates and terms with the official source before borrowing.
See loans, grants and credits side by side — scored to your profile. Free to start.