CSBFP 让银行、信用社和 caisses 更敢放贷：联邦政府为购买设备、商业地产、租赁权改良、无形资产和营运资金的贷款分担风险。了解谁符合资格、额度上限、利率上限以及如何申请。
加拿大小企业融资计划是一项政府贷款担保计划——你向自己的银行、信用社或 caisse 借款，联邦政府分担风险，使放贷机构敢于批准原本可能拒绝的贷款。大多数年营业额在 $10M 或以下的小企业都符合资格（农业走单独的 CALA 计划）。可借最高 $1.15M，用于设备、商业地产、租赁权改良、无形资产和营运资金，最长 15 年偿还。
资格取决于企业规模和类型，而非所属行业。加拿大大多数小企业和初创都符合；由你的银行或信用社按计划规则审批贷款。
确定要融资的项目——设备、地产、租赁权改良、无形资产或营运资金——以及金额，控制在 $1.15M 上限内。
CSBFP 由金融机构而非政府发放。联系提供该计划的银行、信用社或 caisse。
准备商业计划、财务报表或预测，以及报价单。由放贷机构审核并决定。
获批后，放贷机构将贷款登记入 CSBFP（一次性 2% 费用，可并入贷款）。最长 15 年偿还。
总额最高 $1.15M：最多 $1M 定期贷款，外加最多 $150K 信贷额度。在 $1M 之内，设备与租赁权改良合计不超过 $500K；其中无形资产与营运资金最多 $150K。放贷机构在计划上限内自定利率，另收一次性 2% 注册费（可并入贷款）。
Most for-profit, not-for-profit and charitable small businesses and start-ups operating in Canada are eligible, as long as estimated gross annual revenue is $10 million or less in the fiscal year the loan is approved. Farming businesses are not eligible under the CSBFP — they use the separate Canadian Agricultural Loans Act (CALA) program. You apply through a financial institution, not the government.
Up to $1.15 million in total per borrower: up to $1 million in term loans plus up to $150,000 as a line of credit. Within the $1 million term-loan amount, no more than $500,000 can be used for equipment and leasehold improvements, and within that, a maximum of $150,000 for intangible assets and working capital costs.
Term loans can finance the purchase or improvement of commercial real property, new or used equipment, leasehold improvements, intangible assets and working capital. The 2% registration fee can also be financed. The line of credit covers day-to-day operating costs. It cannot be used for farming (see CALA).
Lenders set the rate within program caps. A floating-rate term loan is capped at the lender's prime rate plus 3%; a fixed-rate term loan at the lender's residential mortgage rate plus 3%; and a line of credit at prime plus 5%. A one-time registration fee of 2% of the loan applies and can be added to the loan.
The CSBFP is delivered by financial institutions, not the government. You apply directly to a chartered bank, credit union or caisse populaire; the lender reviews and approves the loan and registers it under the program, which shares the risk on eligible losses. Bring a business plan, financial statements or projections, and quotes for what you are financing.
The maximum term — the length of government coverage — is 15 years for all loan classes since July 2022. The CSBFP does not finance farming operations (use CALA), and cannot exceed the $1.15 million ceiling or the per-category sub-limits. Confirm current details on the official ISED program page before you apply.