CSBFP 资格取决于企业规模和类型，而非行业。本页讲清营收门槛、谁能申请、贷款能覆盖哪些成本。
如果你在加拿大经营小企业、且预计年营业额在 $10M 或以下，你极可能符合 CSBFP。营利、非营利和慈善企业都符合，包括全新初创（用预计营收判定）。主要例外是农业，它有单独的计划（CALA）。最终是否放贷，由你的银行、信用社或 caisse 按计划规则决定。
最严格的一条是营收。现有企业：贷款获批当年的预计年营业额须在 $10M 或以下。新企业：以开业前 52 周的预计营收判定——所以还没产生销售的初创也能申请。营收是“总额”（总销售），不是利润，且不含贷款本身。
资格不只看企业，也看你融资的用途。CSBFP 定期贷款可覆盖：购买或改良商业地产、新旧设备、租赁权改良、无形资产和营运资金，外加 2% 注册费。信贷额度覆盖日常运营开支。不覆盖：农业资产，以及任何超出计划上限的部分。
No. The $10 million test is your estimated gross annual revenue — your total sales — in the fiscal year the loan is approved. The loan amount itself is not counted as revenue.
Yes. For a new business, eligibility uses projected gross revenue for the first 52 weeks of operation, so a start-up that hasn't billed anyone yet can still apply — as long as that projection is $10 million or less.
Yes. Since the 2022 program update, not-for-profit and charitable small businesses are eligible alongside for-profit businesses, provided they meet the revenue threshold and are operating in Canada.
No. Farming businesses are not eligible under the CSBFP. They have a dedicated program — the Canadian Agricultural Loans Act (CALA) program — which works similarly by sharing loan risk with lenders.
Generally no — eligibility is about business size, type and what you're financing, not your sector. Retail, manufacturing, services, tech and hospitality all use the program. Farming is the notable exception (it uses CALA).