Loans for Canadian businesses
97 loans are open to Canadian businesses right now, representing over $78.5M in total funding — every one checked against its official funder source.
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Public loan programs are repaid — what you are getting is access and terms, not free money. They typically carry lower rates, longer amortization or lighter security requirements than commercial credit, and several are assessed on the business case rather than on collateral.
That makes them the instrument for businesses that are viable but underserved by conventional lending: young companies without hard assets, owners outside traditional banking networks, and needs — working capital, inventory, market entry — that grant programs rarely cover.
Loans also combine well with the rest of this directory: a repayable loan can finance the up-front spending that a cost-shared grant reimburses later, which is one of the more common ways businesses close the cash-flow gap grants create.
