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Federal programs | COVID-19: Funding and financial relief programs for startups and small businesses

Canada Publication June 2020

A detailed table outlining the various federal programs available are listed below. If you would like to discuss your eligibility for any of these programs, please do not hesitate to contact a member of our team.


Futurpreneur Canada

Description Eligibility Application details
  • Futurpreneur Canada is a national, non-profit organization that provides financing, mentorship and support tools to entrepreneurs aged 18-39. To support ongoing lending to young entrepreneurs, the federal government of Canada is injecting $20.1 million in additional funding to Futurpreneur Canada
  • Futurpreneur Canada offers a collateral-free loan up to $20,000 per business
  • Interest is charged at CIBC’s prime rate + 3.75%
  • Interest-only payments for the first year are required
  • Principal repayments are made in equal monthly instalments together with interest over the remaining four years
  • There is penalty for early repayment
  • A $15 program fee is charged monthly for the duration of your loan, added to monthly repayment installments
  • A $50 fee is charged at the time of disbursement
  • Together with Futurpreneur Canada, entrepreneurs needing more than $20,000 can apply for an additional $40,000 through the Business Development Bank of Canada (BDC). The following terms apply for the $40,000 BDC loan:
  • Interest-only repayment in the first year
  • Interest is charged at the BDC Floating Base Rate + 5%
  • You may prepay all or any part of the outstanding principal; however, BDC must receive the interest owing to the time of repayment, together with an indemnity equal to three months’ interest on the principal prepaid
  • Once per year (non-cumulative) on the anniversary date of the loan authorization date, you may repay 15% of the principal outstanding without indemnity
  • BDC charges a $50 processing fee, which is deducted from the initial loan disbursement
  • Entrepreneurs must apply for the $20,000 and $40,000 loans through Futurpreneur Canada and the BDC, respectively
  • To be eligible for the $20,000 loan through Futurpreneur Canada, entrepreneurs must: be aged between 18 and 39, demonstrate some training/experience related to the business idea, create full-time sustainable employment for the applicant(s), agree to work with a mentor for up to two years, produce a complete and viable business plan by the end of the application process, demonstrate that the business has been fully operating for fewer than 12 months, agree to provide authorization for Futurpreneur Canada to carry out a credit check, supply two personal references, and demonstrate that you have been discharged from bankruptcy for at least five years or one year after receipt of a Certificate of Full Performance in the case of a Consumer Proposal. For a complete list of eligibility requirements, click here
  • To be eligible for the $40,000 loan through the BDC, entrepreneurs must: be aged between 18 and 39 and demonstrate that the business has been fully operating for fewer than 12 months. Entrepreneurs must contact their local BDC office to speak to an advisor
     
  • Applications for the $20,000 loan through Futurpreneur Canada are accepted on a rolling basis
  • Submit an application here
  • Applications for the $40,000 loan through the BDC are also accepted on a rolling basis.
  • You must contact their local BDC office to speak to an advisor
 

National Research Council (NCR)’s Industrial Research Assistance Program

Description Eligibility Application details
  • If you're a small or medium sized Canadian business pursuing a technology driven innovation, you may be eligible for financial support from the NRC’s IRAP
  • The Industrial Research Assistance Program (IRAP) provides advice, connections, and funding to help Canadian small and medium-sized businesses increase their innovation capacity and take ideas to market. 
  • To help support these firms, the federal government of Canada is investing $250 million through IRAP 
  • Funding is determined on a case-by-case basis and may be supplied in the form of a government grant
  • You may be eligible for IRAP funding if you satisfy the following requirements:
  • You are an incorporated, profit-oriented small or medium-sized business in Canada
  • You have 500 or fewer full-time equivalent employees, and
  • You plan to pursue growth and profit by developing and commercializing innovative, technology-driven new or improved products, services or processes in Canada
  • Applications are accepted on a rolling basis
  • If you meet all three criteria, connect with NRC IRAP by calling 1-877-994-4727

BDC Capital Bridge Financing Program

Description Eligibility Application details
  • BDC Capital, BDC’s investment arm, launched the BDC Capital Bridge Financing Program, where BDC Capital may match, with a convertible note, a current financing round being raised through qualified existing and/or new investors made into eligible Canadian start-ups
  • The program is ideal for high potential companies that have venture capital investor syndicates willing to support them. BDC will invest alongside these groups
To be eligible, companies must:
  • be Canadian
  • backed by a qualified venture capital firm
  • have raised at least $500,000 in external capital before applying for the program, and
  • be specifically impacted by Covid-19. 
  • Any matching investment by BDC Capital will be further subject, notably, to satisfactory due diligence review by BDC, agreement on terms of the investment, and approval by a BDC investment committee.
  • Applications are accepted on a rolling basis
  • Companies that meet the criteria are eligible to apply
  • Interested companies should speak to an advisor by calling 1-877-232-2269

Business Credit Availability Program (BCAP): Loan Guarantee for Small and Medium Enterprises 

Description Eligibility Application details
  • EDC Loan Guarantee for Small and Medium-Sized Enterprises: Allows financial institutions to issue operating credit and cash flow term loans of up to $6.25 million to existing clients, with 80% guaranteed by EDC 
  • Money is to be used for operational expenses, not for dividend payouts, shareholder loans, bonuses, stock buyback, option issuance, increases to executive compensation or repayment/refinancing of other debt 
  • This program is now available at various financial institutions and credit unions 
  • BDC Co-Lending Program for Small and Medium Enterprises. The program is designed in three segments to target support to different business sizes: 
  • Loans of up to $312,500 to businesses with revenues of less than $1 million
  • Up to $3.125 million for businesses with revenues between $1 million and $50 million. Up to $6.25 million for businesses with revenues in excess of $50 million
  • Loans would be interest-only for the first 12 months, with a 10-year repayment period 
  • These programs are available to Canadian businesses in all sectors that were otherwise financially viable and revenue generating prior to the COVID-19 outbreak. Business owners are invited to contact their financial institution or a credit union to learn more
 

 

 
  • Applications are accepted on a rolling basis
  • Business owners are invited to contact their financial institution or a credit union to apply 
     
 

Business Credit Availability Program (BCAP): Canada Emergency Business Account (CEBA) 

Description Eligibility Application details
  • The federal government will provide interest-free credit facilities of up to $40,000 to small businesses and not-for-profits to pay immediate operating costs like payroll, rent, utilities, insurance, property tax, or debt service
  • The program was expanded April 16 and is now available to Canadian employers with $20,000 to $1.5 million in total payroll in 2019, and operating as of March 1, 2020
  • The program was further expanded on June 15 to capture owner-operated small businesses that had been ineligible for the program due to their lack of payroll, sole proprietors receiving business income directly, and family-owned corporations remunerating in the form of dividends rather than payroll. 
  • If the loan is repaid by December 31, 2022, 25% (up to $10,000) will be forgiven
  • If the loan is not repaid by December 31, 2022, the remaining balance will be converted to a three-year term loan at 5% interest
  • This program is now available at various financial institutions and credit unions 
  • To qualify, your business must demonstrate it paid between $20,000 to $1.5 million in total payroll in 2019.
  • As of June 15, ff your business had a payroll less than $20,000, you will still be eligible (1) a business operating account at a participating financial institution; (2) a Canada Revenue Agency business number; (3) a 2018 or 2019 tax return; and (4) an eligible non-deferrable expenses of between $40,000 and $1.5 million. 
  • Applications are accepted on a rolling basis
  • Contact their financial institution or a credit union to apply

 

 

Canada Emergency Wage Subsidy (CEWS)

Description Eligibility Application details
  • Under the Canada Emergency Wage Subsidy (CEWS), the federal government will subsidize up to 75% of the wages paid to eligible employees between March 15 and June 6, 2020. The program has the potential to be extended up to September 30, 2020 
  • The CEWS is generally available at a rate of 75% of eligible remuneration paid to employees, up to a subsidy of $847 per week, per employee 
  • The subsidy generally applies to all businesses (including taxable corporations, individuals and partnerships consisting of eligible employers), regardless of size, as well as registered charities and certain non-profits, but otherwise excluding tax exempts and public bodies 
  • Employers eligible for the CEWS are also entitled to receive a 100% refund for certain employer-paid contributions to Employment Insurance, the Canada Pension Plan, the Quebec Pension Plan, and the Quebec Parental Insurance Plan for employees on paid leave 
  • The government launched a calculator to help employers apply for the CEWS 
  • To be eligible, employers must have had a drop of at least 15% of their revenue in March 2020 and 30% in April and May 2020, as compared to either the same month in 2019, or to an average of its monthly gross revenues in January and February 2020. In applying for the subsidy, employers will be required to attest to the decline in revenue 
  • Revenue for this purpose means revenue from a business in Canada earned from arm’s-length sources, is calculated using the employer’s normal accounting method (under the accrual method or the cash method, but not a combination of both), and excludes revenues from extraordinary items and amounts on account of capital
  • Special rules exist to address issues relevant to corporate groups, non-arm’s length entities and joint ventures

 

 

 

  • Applications for the CEWS opened on April 27 
  • Apply for the CEWS here
 

Small Business Wage Subsidy

Description Eligibility Application details
  • The 10% Temporary Wage Subsidy for Employers is a three-month measure that will allow eligible employers to reduce the amount of payroll deductions required to be remitted to the Canada Revenue Agency (CRA)
  • The Canada Emergency Wage Subsidy, which provides a 75% wage subsidy to eligible employers for up to 12 weeks, is a separate program
  • The subsidy is equal to 10% of the remuneration paid from March 18 to June 19, 2020, up to $1,375 for each eligible employee and to a maximum of $25,000 total per employer 
  • The subsidy must be calculated manually, either by you or whoever is responsible for making your payroll remittances. The CRA will not automatically calculate the allowable subsidy
  • Eligible employers that pay remuneration to employees during the eligible period are permitted to reduce remittances of federal, provincial or territorial income tax by the amount of the subsidy
  • If they do not, they can ask for a subsidy payment at the end of the year or transfer the unused subsidy amount to their next year’s remittance.
 
  • Eligible employers are Canadian-controlled private corporations (including cooperative corporations) eligible for the small business deduction, non-profit organizations, registered charities, individuals and partnerships 
  • Organizations that qualify for both the Canada Emergency Wage Subsidy and the Small Business Wage Subsidy will have any subsidy under the former reduced by the amount of any subsidy under the latter 

 

 

  • N/A
 

COVID-19 Regional Genomics Initiative

Description Eligibility Application details
  • Genome Canada is issuing a funding opportunity to support regional genomics projects designed to address specific, short-term needs of industry, not-for-profit, and public sector receptors through research conducted by academics in collaboration with these receptors
  • Each regional Genome Centre will engage in a process with regional organizations and researchers to determine what type of research initiative would best address the COVID-19 crisis. Initiatives could range from targeted investments to a competitive process
  • After a review of expressions of interest for eligibility to the program by Genome Canada, the subsequent application and peer review process will be led by the Genome Centre and/or its partner(s). Genome Canada is making $1.5 million available, up to $250,000 per regional Genome Centre 

 

 

 

  • It is expected that these initiatives will start no later than July 1, 2020 and be completed on/before June 30, 2022

Social Sciences and Humanities Research Council (SSHRC)

Description Eligibility Application details
  • SSHRC is committed to investing up to $1.5 million over the next two Partnership Engage Grants (PEG) competitions to support COVID-19 related projects, at a maximum amount of $25,000 per project for one year.
  • SSHRC encourages projects in, but not limited to, the following themes:
    • Understanding the differentiated social impacts of a pandemic, like COVID-19, using gender-based analysis, or by analyzing its political and economic effects at a regional, national or global scale
    • Designing and implementing effective and equitable recovery measures, such as fiscal and monetary policies, supply chain management measures, and social protection and employment creation initiatives
    • Building longer-term resilience and disaster preparedness, for instance, by learning from Indigenous knowledge systems, developing new emergency, public communication and work environment plans, or by rethinking communal and pedagogical approaches, artistic models and rituals
 

 

 

  • The application deadlines are June 15 and again on September 15
  • Results will be announced in August and again in November 
 

StartUp Health

Description Eligibility Application details
  • StartUp Health is looking to invest in innovators from around the world working on direct or indirect solutions for mitigating, managing, or treating coronavirus or future pandemics
  • StartUp Health is launching an open call for innovation as part of our Cure Disease Moonshot and putting the full support of the StartUp Health platform and network behind bringing your innovations to the world. It is interested in technologies that may speed up the R&D process for finding treatments, or solutions that can help with diagnostics, home care, hygiene or telemedicine 
  • This is a broad call for innovations that can aid the public, patients, and health professionals, alike, in addressing issues brought on a health pandemics
  • Applications are accepted on a rolling basis
  • Apply to StartUp Health’s accelerator program here
 

Mitacs 3-to-1 Investment Ratio for COVID-19 R&D Projects 

Description Eligibility Application details
  • Mitacs is a Canadian not-for-profit that specializes in designing and delivering research and training programs in partnership with various Canadian universities, companies, and the federal and provincial governments
  • Mitacs announced a 3-to-1 Investment Ratio program, where, if a business owner invests $3,750 in R&D wages paid to a post-secondary researcher towards an eligible project, Mitacs will match it with $11,250 for a project total of $15,000. This grant can be stacked with other COVID-19-related project funding 
  • Both for-profit and not-for-profit corporations in all sectors of Canada may be eligible for funding
  • Mitacs works on a project-by-project basis where applicants are matched with an academic researcher to develop an R&D project with the potential for a large impact in responding to the novel coronavirus. This project is then submitted as a proposal, which is accepted or rejected by Mitacs’ COVID-19 funding stream 
  • Proposals can be submitted any time up to May 15, 2020   

Digital Technology Supercluster COVID-19 Program

Description Eligibility Application details
  • The Digital Technology Supercluster is one of Canada’s five Innovation Superclusters, which are initiatives financed by the Government of Canada that aim to foster strong connections between stakeholders in Canada’s most promising clusters. 
  • The program provides Canadian government grants and other supports for business-led R&D projects that focus on transformational digital technologies
  • Funding will be allocated to projects that supports the development, deployment, scale-up, and adoption of products, services, and technologies to help address the needs created by the COVID-19 pandemic
  • The Digital Technology Supercluster is investing up to $60 million to improve the health and safety of Canadians and Canada’s ability to address issues created by the COVID-19 outbreak
  • Successful applicants may receive between 50-100% of eligible project expenses
  • Projects should focus on one of the following priority areas: Diagnostics and Therapeutics, Health System, Community Health, Emergency Response, or Safe Living 
  • Projects will be reviewed on a case-by-case basis to determine the amount of funding based on impact
  • To be eligible for the Digital Technology Supercluster COVID-19 Program, applicants should align with the following criteria: must have at least two contributors to the project (single company initiatives will be reviewed only in exceptional circumstances), participants can come from all industries and sectors, all project contributors must be members of the Supercluster (membership is free), and projects must have experienced and capable project management 
  • There is a continuous intake of applications and no specific deadline, though the program encourages applications to be submitted as quickly as possible
  • If you are interested in this program, please contact Mentor Works to assist you in confirming eligibility

NSERC Alliance COVID-19

Description Eligibility Application details
  • NSERC is providing up to $15 million in total support to stimulate collaborations between academic researchers and the public and not-for-profit sectors, and industry to address pandemic-related research and technical challenges
  • Support for up to $50,000 for one-year projects is being made available immediately
  • University researchers collaborating with private-sector, public-sector, or not-for-profit organizations are eligible if they have innovative solutions that address issues raised by COVID-19 
  • Applications are accepted on a rolling basis
  • The application deadline is June 1, 2020               

Patient-Centered Outcomes Research Institute (PCORI)

Description Eligibility Application details
  • PCORI will issue a new research funding announcement with an accelerated timeline to support innovative, high-impact studies that fit clearly within our core mission of patient-engaged and patient-centered comparative clinical effectiveness research. The objectives of this announcement are to (1) strengthen the understanding of different approaches to mitigate the impact of COVID-19 on individuals, communities, healthcare providers, and healthcare systems; and (2) provide evidence to inform clinical and public health responses, decision making, and planning. PCORI encourages the use of diverse methods, including interventional studies and the use of natural experiments, to conduct research on an accelerated timeline
  • Applicants are encouraged to complete primary outcomes collection and provide actionable findings in no longer than 12 months
 
  • This funding announcement has three targeted priority areas: (1) adaptations to healthcare delivery, (2) impact of COVID-19 on vulnerable populations, and (3) impact of COVID-19 on healthcare workforce well-being, management, and training 
  • Applications open on May 5 and close on May 26   

Canada Emergency Commercial Rent Assistance (CECRA) 

Description Eligibility Application details
  • The Canada Emergency Commercial Rent Assistance (CECRA) for small businesses program will lower rent by 75% for small businesses that have been affected by COVID-19 
  • The program will provide forgivable loans to qualifying commercial property owners to cover 50% of three monthly rent payments that are payable by eligible small business tenants who are experiencing financial hardship during April, May, and June 
  • The loans will be forgiven if the mortgaged property owner agrees to reduce the small business tenants’ rent by at least 75% under a rent forgiveness agreement, which will include a term not to evict the tenant while the agreement is in place. The small business tenant would cover the remainder, up to 25% of the rent 
  • Impacted small business tenants are businesses paying less than $50,000 per month in rent and who have temporarily ceased operations or have experienced at least a 70% drop in pre-COVID revenues. This support will also be available to non-profit and charitable organizations 
  • It is expected that CECRA will be operational by mid-May, and further details will be announced shortly    

Canada invests $50M to assist small businesses to adopt ditigal technologies

Description Eligibility Application details
  • On June 11, Canada announced a $57-million investment to help main street businesses across Ontario adopt digital technologies. Support will be offered through two main platforms:
    • Digital Main Street Platform. With $42.5-million from the Government of Canada (through FedDev Ontario) and $7.45 million from Ontario, the Ontario Business Improvement Area Association, the Toronto Association of Business Improvement Areas, Communitech and Invest Ottawa will support over 21,900 small businesses across Ontario, to pivot their operations to include digital business models, regain lost revenue and become more resilient and competitive. 
    • Recovery Activation Program. To complement the Digital Main Street Platform, the Toronto Region Board of Trade will receive $7.5 million from the Government of Canada through FedDev Ontario and $200,000 from Ontario for the Recovery Activation Program. Participating firms will receive training, advice and a customized blueprint for digitizing their supply chains, customer acquisition systems and other operations. 
  • Small to medium-sized businesses that need assist with new digital technology are encouraged to apply through their local program. 

CIHR Covid-19 May 2020 Rapid Research Funding Opportunity

Description Eligibility Application details
  • Canada will provide funding for clinical trials, including pragmatic and adaptive trials in addition to amplification of existing trials, trial networks, or platforms to include COVID-19 data elements. This can include the inclusion of Canadian sites for trials being led or funded internationally. Funding is also available for observational studies, implementation science or other relevant study designs to scale-up promising existing projects, reorient current research or platforms, or initiate new rapid response research that can be initiated immediately
  • The maximum amount per grant that can be requested for clinical trial research is $5,000,000 over 1 year. The maximum amount per grant that can be requested for all other types of research is $2,500,000 over 1 year
  • Eligibility is determined on a case-by-case basis per the CIHR 
  • Application deadline is May 11 2020
  • To apply, click here              

More Time to Pay Income Taxes

Description Eligibility Application details
  • All businesses are allowed to defer, until after August 31, 2020, the payment of any income tax amounts that become owing on or after March 18 and before September 1, 2020
  • No interest or penalties will accumulate on these amounts during this period
  • This relief would apply to tax balances due, as well as installments, under Part I of the Income Tax Act 
  • Applies to corporations that would otherwise have a filing due date after March 18 and before June 1, 2020
  • Applies to balances and instalments under Part I, Income Tax Act due on or after March 18 and before September 1, 2020              

Deferral of Sales Tax Remittance and Customs Duty Payments

Description Eligibility Application details
  • All businesses may defer until June 30, 2020, remittances of the Goods and Services Tax/Harmonized Sales Tax (GST/HST), as well as customs duties owing on their imports
  • The deferral will apply to GST/ HST remittances for the February, March and April 2020 reporting periods for monthly filers; the January 1, 2020 through March 31, 2020 reporting period for quarterly filers; and for annual filers, the amounts collected and owing for their previous fiscal year and instalments of GST/HST in respect of the filer’s current fiscal year 
  • For GST and customs duty payments for imported goods, deferral will include amounts owing for March, April and May 
  • All businesses may defer until June 30, 2020, remittances of the Goods and Services Tax/Harmonized Sales Tax (GST/HST), as well as customs duties owing on their import 
  • The deadline for businesses to file their returns is unchanged. Those who are able to, should continue to file their GST/HST returns on time reporting their net tax for the reporting period to help facilitate tax compliance and administration
  • However, recognizing the difficult circumstances faced by businesses, the CRA won’t impose penalties where a return is filed late provided that it is filed by June 30th              

Indigenous Businesses 

Description Eligibility Application details
  • The federal government will provide up to $306.8 million to help small and medium-sized Indigenous businesses, and to support Aboriginal Financial Institutions that offer financing to these businesses 
  • The funding will allow for short-term, interest-free loans and non-repayable contributions through Aboriginal Financial Institutions, which offer financing and business support services to First Nations, Inuit, and Métis businesses  
  • To determine if your business is eligible, contact your Aboriginal Financial Institution 
  • To determine if your business is eligible, contact your Aboriginal Financial Institution              

Bank of Canada

Description Eligibility Application details
  • The Bank of Canada has lowered its target for the overnight rate by 150 basis points over the last three weeks. The Bank Rate is correspondingly 1⁄2 percent and the deposit rate is 1⁄4 percent 
  • These rates apply for all businesses 
  • These rates are currently in force              

Changes to Canada Summer Jobs Program

Description Eligibility Application details
The Canadian government is implementing temporary changes to the program: 
  • An increase to the wage subsidy, so that private and public sector employers can also receive up to 100% of the provincial or territorial minimum hourly wage for each employee 
  • An extension to the end date for employment to February 28, 2021 
  • Allowing employers to adapt their projects and job activities to support essential services 
  • Allowing employers to hire sta on a part-time basis 
  • These changes apply to all employers registered with the Canada Summer Jobs Program
  • Employers can apply for the Canada Summer Jobs Program here              

Extended Work-Sharing Program

Description Eligibility Application details
  • The maximum duration of the Work-Sharing program has been extended from 38 weeks to 76 weeks 
  • The Work-Sharing program is o ered to workers who agree to reduce their normal working hours because of developments beyond the control of their employers  
  • To be eligible for a WS agreement, your business must: be a year-round business in Canada for at least 1 year, be a private business or a publicly held company, or have at least 2 employees in the WS unit
  • Eligibility was also extended to: government Business Enterprises (GBEs), also referred to as public corporations, and not-for-profit employers experiencing a shortage of work due to a reduction of business activity and/or in revenue levels due to COVID-19 
  • Employers can submit their application here              

Food and Agribusiness: Farm Credit Canada (FCC)

Description Eligibility Application details
  • Farm Credit Canada has put in place: 
    • a deferral of principal and interest payments up to six months for existing loans; or 
    • a deferral of principal payments up to 12 months 
    • access to credit line up to $500,000, secured by general security agreements or universal movable hypothec 
  • If you’d like more information on these options or on how FCC can help improve your financial position, contact your local office or the Customer Service Centre at 1-888-332-3301  
  • Businesses can contact their local FCC office               

Food and Agribusiness: Canadian Seafood Stabilization Fund

Description Eligibility Application details
  • Fund of $62.5 million to the fish and seafood processing sector to help businesses: 
    • access short-term financing to pay for maintenance and inventory costs; 
    • add storage capacity for unsold product; 
    • comply with new health and safety measures for workers; 
    • support new manufacturing/automated technologies to improve productivity and quality of finished seafood products; and 
    • adapt products to respond to changing requirements and new market demands
  • The Canadian Seafood Stabilization Fund will be delivered through the Atlantic Canada Opportunities Agency, Canada Economic Development for Quebec Regions, and Western Economic Diversification Canada 
  • Further details on how and when processors can apply for assistance will be confirmed at a later date
 

Emergency Support Fund for Cultural, Heritage and Sport Organizations

Description Eligibility Application details
  • Fund of up to $500 million to help address the financial needs of cultural, heritage, and sport organizations affected by COVID-19 so they can continue to support artists and athletes 
  • The Fund will be administered by Canadian Heritage with the support of its partners 
  • For more information on eligibility, contact Canadian Heritage at 1-866-811-0055 or send them an email at PCH.info-info.PCH@canada.ca 
  • For more information on eligibility, contact Canadian Heritage at 1-866-811-0055 or send them an email at PCH.info-info.PCH@canada.ca   

Non-Profit and Charitable

Description Eligibility Application details
  • Fund of up to $350 million to support vulnerable Canadians through charities and non-profit organizations that deliver essential services to those in need 
  • The Emergency Community Support Fund will provide funding to national intermediaries with networks across the country, including United Way Canada, the Canadian Red Cross, and the Community Foundations of Canada 
  • The investment will flow through national organizations that have the ability to get funds quickly to local organizations that serve vulnerable populations. It will support a variety of activities, such as: increasing volunteer-based home deliveries of groceries and medications, providing transportation services, like accompanying or driving seniors or persons with disabilities to appointments, scaling up help lines that provide information and support, helping vulnerable Canadians access government benefits, providing training, supplies, and other required supports to volunteers so they can continue to make their invaluable contributions to the COVID-19 response, replacing in-person, one-on-one contact and social gatherings with virtual contact through phone calls, texts, teleconferences, or the Internet 
  • Applications must be submitted with individual organizations
 

Regional Relief and Recovery Fund (RRRF)

Description Eligibility Application details
  • Fund of $675 million to small and medium-sized businesses that are unable to access the government’s existing COVID-19 support measures, through Canada’s Regional Development Agencies 
  • Fund of $287 million to support the national network of Community Futures Development Corporations, which will specifically target small businesses and rural communities across the country  
  • Small to medium sized business negatively impacted by COVID-19 
  • Your local regional development agency should be your first point of contact              



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