可偿还资金 — CSBFP、BDC、EDC — 通常低于市场利率，并可与您符合条件的补助和税收抵免叠加。
政府担保与皇冠公司贷款方，通常通过银行或直接申请。
通过银行提供的政府担保定期贷款，用于设备、物业与租赁改良。
营运资金、增长与清洁技术信贷 — 常低于市场利率，可与补助叠加。
出口融资、应收账款保险与买方融资，降低国际销售风险。
通过本地发展机构为农村与区域小企业提供贷款。
可偿还项目，附利率、上限与条款摘要。
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.