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COVID-19 Programs and Measures – NPOs

Consult this updated directory of the main programs available to help NPOs cope with the COVID-19 pandemic.

  1. Federal government
  2. Provincial government
  3. Municipal government (Montréal)
  4. Private sector
  5. Other resources

1. Federal government

Business Credit Availability Program (BCAP)

Government of Canada

If you have a Canadian business with a viable commercial model, you could receive a loan from the federal government to weather the crisis.

As part of this program, Export Development Canada (EDC) and the Business Development Bank of Canada (BDC) is providing over $10 billion in the form of direct loans and other types of financial support at market rates for eligible businesses.

This program includes the BDC co-lending program and the EDC loan guarantee for SME.

The BCAP will promote access to financing for businesses in every sector and region.

For more information, contact your financial institution.

Some conditions apply.

Canada Emergency Business Account

Ministère des Finances

The Canada Emergency Business Account will make $25 billion available to eligible Canadian businesses in the form of an interest-free loan.

Every business could receive up to $40,000 to pay operating costs during the crisis.

Businesses should contact their financial institution to request the loan and show that they paid between $20,000 and $1.5 million in total payroll in 2019.

Repayment of the balance of the loan at the latest by December 31, 2022 will generate a writeoff of 25% of the loan, up to $10,000.

Some conditions apply.

Canada Emergency Commercial Rent Assistance (CECRA)

Canada Mortgage and Housing Corporation - CMHC

This assistance offers business owners that rent to small businesses a forgivable loan of 50% of the cost of rent provided they offer tenants a rent reduction of at least 75% for the months of April, May, June and July, 2020.

Non-exhaustive eligibility criteria:

  • Own a building with at least one small business tenant that is affected;
  • Conclude (or have concluded) a legally binding agreement to reduce rent for the months of April, May, June and July, 2020.

Owners can apply through a specially designed portal.

Some conditions apply.

Canada emergency wage subsidy

Government of Canada

The federal government will make available to eligible businesses a wage subsidy to cover up to 75% of salaries.

This subsidy, for a maximum period of six months, retroactive from March 15, 2020, to August 29, 2020 is designed to help businesses retain or rehire their employees.

Eligibility critirea for employers:

Calculate your subsidy amount here.

Current claim periods open for application:

  • March 15 to April 11 (period 1)
  • April 12 to May 9 (period 2)
  • May 10 to June 6 (period 3)

Some conditions apply.

COVID-19 – Canadian Seafood Stabilization Fund

Canada Economic Development for Quebec Regions

The Canadian Seafood Stabilization Fund, put in place by CED in Quebec, is designed to inject $62.5 million into businesses in the fishing, aquaculture and processing sectors.

The Fund has four components:

  • Storage capacity;
  • Adaptation of businesses;
  • Automation;
  • Market development.

To apply: 

Some conditions apply. 

Emergency Community Support Fund (ECSF)

Government of Canada

The ECSF provides financial aid to charitable and non-profit organizations to help them adapt and increase front-line services offered to vulnerable populations during the COVID-19 pandemic.

Applications are being accepted and must be submitted by July 27, 2020 for activities taking place between April 1, 2020 and March 31, 2021.

For more information, consult the Applicant Guide.

Some conditions apply.

Emergency Support Fund for Cultural, Heritage and Sport Organizations

Canadian Heritage

This fund, administered by Canadian Heritage, will be divided among select departmental programs, portfolio agencies and key delivery organizations.

Funds will be distributed in two phases through a range of existing programs, funds and organizations.

The way funds will be distributed will depend on whether:

  • Your organization is currently financed by Canadian Heritage;
  • Your organization is currently financed by the Canada Council for the Arts, the Canada Media Fund or Telefilm Canada;
  • Your organization is not currently financed by Canadian Heritage.

For more information, you can also consult the FAQ.

Some conditions apply.

FCC Advancer

Farm Credit Canada

If you are a Canadian agri-food or agricultural entrepreneur with a growing operation, you could be eligible for an FCC Advancer.

Some of the benefits:

  • Funds readvanced with no paperwork;
  • Lower payments than with a regular loan;
  • Ability to set your own interest rate.

Loan features:

  • Renewable, pre-approved loan;
  • Open variable rate;
  • Ongoing re-advance of funds;
  • Ability to make only interest payments;
  • Guarantee negotiated in advance.

Some conditions apply.

FCC line of credit

Farm Credit Canada

If you are a Canadian agri-food or agricultural entrepreneur, you could have access to an FCC line of credit to meet your cash flow requirements.

Some of the benefits:

  • Release of funds and consultation of information through your online account;
  • Immediate access to working capital;
  • Loan renewal based on your production cycle.

Loan features:

  • Renewable, pre-approved loan;
  • Open variable rate;
  • Ongoing re-advance of funds;
  • Ability to make only interest payments;
  • Monthly statements;
  • No guarantee required.

Some conditions apply.

Purchase Order Financing

Business Development Bank of Canada

Do you want to take advantage of new business opportunities, but are short on cash? Receive financing for up to 90% of the purchase order.

Purchase order financing is the ideal solution for:

  • Accepting major contracts;
  • Preserving your line of credit and your working capital;
  • Extending your activities to national and international markets.

Advantages for your company:

  • Flexible terms adapted to the terms of the purchase order;
  • Payment in Canadian or American dollars;
  • Building trust with your clients and suppliers;
  • Peace of mind.

Conditions apply.

Regional Relief and Recovery Fund (RRRF)

Canada Economic Development for Quebec Regions

The RRRF, managed by CED, is designed to help businesses and affected communities deal with the crisis and kick start their economic recovery.

The Fund makes it possible to:

  • Offer immediate mitigation measures for businesses that are in difficulty because of a lack of cash.
  • Prepare for post-COVID-19 through support focused on the economic recovery.

The initiative has two parts:

  • $675 million to support regional economies, businesses, organizations and communities in every region of Canada;
  • $287 million to support the national CDIC network.

Some conditions apply.

Temporary Foreign Worker Program

Employment and Social Development Canada

PLEASE NOTE!

BECAUSE OF THE CORONAVIRUS (COVID-19), CHANGES HAVE BEEN MADE TO THIS PROGRAM.

YOU CAN CONSULT THEM HERE.

Your business may be eligible to access a pool of foreign workers to hire on a temporary basis when Canadian citizens and permanent residents are not available.

You can hire workers under a variety of streams:

  • Skilled workers
  • Global talent / highly skilled workers
  • Workers in high wage or low wage positions
  • Agricultural workers
  • Academics

Fees and conditions apply.

Temporary wage subsidy for employers

Government of Canada

Take advantage of a wage subsidy equal to 10% of compensation paid from March 18, 2020 to June 20, 2020, up to $1,375 per employee and a maximum of $25,000 per employer.

Eligibility:

  • You are a or an:
    • individual (excluding trusts);
    • partnership; 
    • non-profit organization;
    • registered charitable organization; or
    • Canadian-controlled private corporation (CCPC) (including a cooperative corporation) eligible for the small business deduction.
  • You have a business number and a payroll program account with the Agency as of March 18, 2020;
  • You have paid a salary, stipend, bonuses or other compensation to an employee.

Some conditions apply.

Work sharing program – Temporary special measures in response to the slowdown in activities due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers are in effect March 15, 2020 to March 14, 2021.

Eligibility:

You are experiencing a slowdown in commercial activities because of the global COVID-19 epidemic and have WS agreements:

  • Signed between March 15, 2020 and March 14, 2021;
  • That started or ended between March 15, 2020 and March 14, 2021;
  • That ended between June 23, 2019 and March 14, 2020 and that are in a mandatory waiting period.

applicant guide available here.

Some conditions apply.

Work sharing program – Temporary special measures in response to the slowdown of activities in the forestry sector due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers in the forestry sector are in effect July 30, 2017 to March 28, 2020.

Eligibility:

Your company has been directly or indirectly affected by the slowdown in the forestry sector and you have:

  • Signed a work sharing agreement that ended between October 30, 2016 and July 29, 2017;
  • Entered into a work sharing agreement that was or will be signed between July 30, 2017 and March 28, 2020 (the date of the start of the agreement should be no later than March 29, 2020); or
  • Entered into a work sharing agreement that will start or end between July 30, 2017 and March 28, 2020.

Applicant guide available here.

Some conditions apply.

Work sharing program – Temporary special measures in response to the slowdown of activities in the steel and aluminium sector due to COVID-19

Government of Canada

Temporary special work sharing (WS) measures for workers and employers in the steel and aluminium sector are in effect August 19, 2018 to March 27, 2021.

Eligibility:

Your company has been directly or indirectly affected by the slowdown in the steel and aluminium sector and you have:

  • Signed a work sharing agreement that ended between November 25, 2017 and August 18, 2018;
  • Entered into a work sharing agreement that was or will be signed between August 19, 2018 and March 27, 2021 (the date of the start of the agreement should be no later than March 28, 2021); or
  • Entered into a work sharing agreement that will start or end between August 19, 2018 and March 27, 2021.

Applicant guide available here

Some conditions apply.

Working Capital Loan

Business Development Bank of Canada

Increase inventory to meet demand, take advantage of discounts from your suppliers or add to your line of credit, without jeopardizing your cash flow.

Benefits for your company:

  • Flexible repayment terms to protect your cash flow;
  • Limited personal risk;
  • Peace of mind.

Conditions apply.

Federal measures

2. Provincial government

CALQ emergency aid for artists and organizations

The CALQ has made available special support drawn from existing program budgets to address situations in the short term, such as cash flow problems to deliver essential services for the next month and difficulties faced by artists abroad who are incurring additional expenses to return to Quebec.

Emergency aid for artists supported by the CALQ

Emergency aid for organizations supported by the CALQ

  • Download the form (French only)
  • Send an email

Some conditions apply.

Concerted Temporary Action Program for Businesses (CTAPB)

Ministère de l'Économie et de l'Innovation

Eligible businesses, including cooperatives, non-profit organizations and social economy businesses engaged in commercial activities, could benefit from financial support of at least $50,000 in a loan and loan guarantee to make up for cash flow shortages related to COVID-19 due to:

  • a supply problem for raw materials or products;
  • the inability to deliver or a reduction in delivery capacity for products and services.

The main terms and processes for receiving this aid are presented on the Investissement Québec website.

Eligible companies that want more information or to avail themselves of this funding can call 1 844 474-6367 or the phone number for their regional office.

Some conditions apply.

Emergency aid for small and medium-sized businesses (COVID-19)

Ministère de l'Économie et de l'Innovation

SMEs affected by COVID-19 that need under $50,000 in cash can benefit from this aid introduced by the Government of Quebec.

Non-exhaustive eligibility criteria:

  • Be operating in Quebec for at least one year;
  • Be temporarily closed, likely to close or show the warning signs of closing;
  • Be maintaining, consolidating or resuming activities.

The lack of cash flow must be caused by:

  • an inability or substantial reduction in the ability to deliver products or merchandise;
  • a procurement problem for raw materials or products.

Some conditions apply.

Financial aid program for festivals and tourist events – component 1: major festivals and tourist events

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The first component of financial aid for festivals and tourist events is for organizers of major festivals and tourist events.

Non-exhaustive eligibility criteria: 

  • Attract a significant number of tourists;
  • Have a proven economic impact;
  • Have eligible costs of $6 million or more.

Financial aid forms (annual or three-year agreement):

  • Financial aid for performance;
  • Financial aid for growth.

Some of the eligible costs:

  • Administration;
  • Programming;
  • Site management;
  • Promotion.

Registration period:

  • Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
  • Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires on March 31, 2022.

Some conditions apply.

Financial aid program for festivals and tourist events – component 2: tourist festivals and events

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The first component of financial aid for festivals and tourist events is for organizers of major festivals and tourist events.

Non-exhaustive eligibility criteria:

  • Attract a significant number of tourists;
  • Have a proven economic impact;
  • Have eligible costs of $6 million or more.

Financial aid forms (annual or three-year agreement):

  • Financial aid for performance;
  • Financial aid for growth.

Some of the eligible costs:

  • Administration;
  • Programming;
  • Site management;
  • Promotion.

Registration period:

  • Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
  • Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires on March 31, 2022.

Some conditions apply.

Financial aid program for festivals and tourist events – component 3: innovation and opportunity

Tourisme Québec

PLEASE NOTE!

HERE (IN FRENCH ONLY) ARE THE DETAILS OF THIS FUNDING PROGRAM FOR FESTIVALS AND EVENTS IN THE CONTEXT OF THE COVID-19 PANDEMIC.

The third component of financial aid for festivals and tourist events is for organizers of innovative festivals and events that offer promising opportunities for promoting Quebec.

Non-exhaustive eligibility criteria: 

  • Be developing the product;
  • Demonstrate the exceptional character of the project;
  • Be holding a one-time, non-recurring event;
  • Have eligible costs of $1 million or more.

Characteristics of the financial aid: 

  • One-time, non-recurring; 
  • Not exceed 25% of the cost of the project (maximum of $500,000).

Some of the eligible costs:

  • Administration;
  • Programming; 
  • Site management; 
  • Promotion.

Registration period:

  • Festivals and events taking place between November 1, 2020 and April 30, 2021: one month in Spring 2020 (usually in June);
  • Festivals and events taking place between May 1 and October 31, 2021: one month in the fall of 2020 (usually in November).

The program expires March 31, 2022.

Some conditions apply.

Financing from the Caisse de dépôt et placement du Québec

The CDPQ is making available to Quebec companies affected by measures to limit the spread of COVID-19 additional financial aid of $4 billion.

To be eligible, businesses must meet the following criteria:

  • have been profitable before the start of the COVID-19 crisis;
  • have a promising outlook for growth in their sector;
  • be seeking financing of over $5 million.

Some conditions apply.

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

  • Capital expenditures
  • Technology acquisition
  • Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Programme actions concertées pour le maintien en emploi (PACME–COVID-19) (joint action program for employee retention)

Ministère du Travail, de l'Emploi et de la Solidarité sociale

Please note that the program components Entreprises and Promoteurs collectifs have reached their maximum budgetary capacity. You can still check the possibility of joining a training project accepted under the Promoteurs collectifs component.

The PACME offers direct financial support to promote the training and management of employees of companies affected by the COVID-19 pandemic.

Reimbursement of eligible expenses for corporate training programs:

  • 100% of expenses of $100,000 or less;
  • 50% of expenses between $100,000 and $500,000.

Projects are accepted until September 30, 2020 or until the funding envelope of $100 million runs out.

Businesses and self-employed workers should contact a business advisor for their region.

Some conditions apply.

Provincial measures

3. Municipal government (Montréal)

Call for proposals for NPOs that can provide technical support to businesses

The Ville de Montréal offers financing that covers up to 100% of project costs for NPOs that can help businesses overcome challenges related to COVID-19.

Non-exhaustive eligibility criteria:

  • Be an NPO legally constituted in Quebec or Canada;
  • Have a place of business within the Ville de Montréal’s territory;
  • Have respected previous commitments to the Ville de Montréal.

Non-exhaustive characteristics of the projects:

  • Offer immediate technical support related to COVID-19;
  • Have a large pool of businesses for the sector;
  • Make small businesses the priority.

Procedure:

  • Download and complete the online application form;
  • Send all duly completed required documents to: appel.solutions.c19@montreal.ca.

Some conditions apply.

Emergency aid for small and medium-sized businesses (COVID-19) - Montreal

PME MTL

SMEs affected by COVID-19 that need under $50,000 in cash can benefit from this aid introduced by the Government of Quebec.

Non-exhaustive eligibility criteria:

  • Be operating in Quebec for at least one year;
  • Be temporarily closed, likely to close or show the warning signs of closing;
  • Be maintaining, consolidating or resuming activities.

The lack of cash flow must be caused by:

  • an inability or substantial reduction in the ability to deliver products or merchandise;
  • a procurement problem for raw materials or products.

Some conditions apply.

Municipal measures (Montréal)

4. Private sector

GoodSpark Fund

With its GoodSpark Fund, Desjardins is financing projects that contribute to our regional socio-economic development and recovery.

Project eligibility criteria:

  • Be socio-economic in nature (impactful and sustainable).
  • Make a significant impact on people and communities.
  • Be in line with communities’ priorities, as determined by the caisse mergers.
  • Meet a collective need.
  • Engage main community partners in the project.
  • Be consistent with sustainable development principles.
  • Does not seek to fill a performance gap that existed before the pandemic.

Conditions apply.

Private sector measures

5. Other resources

You can also consult our other directories of programs not related to COVID-19.

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