Tuesday, 17 March 2020 12:49

Business Information–COVID-19

Credit: Sean Thibert Credit: Sean Thibert

Last Updated: November 18, 2020

This page will be used to direct local businesses to information and resources to support them during these challenging times. If you are looking for information on a specific business, we've launched our #LoveNG campaign with information on businesses here

The North Grenville Municipal Office is now open 9:00am-4:00pm, with a new temporary kiosk in the lobby. Safety measures have been put in place to maintain distancing. Members of the public are still encouraged to make appointments with staff. If you need anything from the Economic Development department, contact Matt (This email address is being protected from spambots. You need JavaScript enabled to view it.) or Hillary (This email address is being protected from spambots. You need JavaScript enabled to view it.). The Economic Development department is working on a set of Business Support Programs with more details below.

 

 

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Program Name Resource Provider Program Type Description Website
Employment Insurance Service Canada Employee Support Employment Insurance (EI) sickness benefits provide up to 15 weeks of income replacement and is available to eligible claimants who are unable to work because of illness, injury or quarantine, to allow them time to restore their health and return to work. Canadians quarantined can apply for Employment Insurance (EI) sickness benefits. Service Canada has made a number of enhancements to the EI program to better support Canadian affected by COVID-19 including; - Waiving the one-week waiting period for benefits - Prioritizing claims for those under quarantine - People claiming EI sickness benefits due to quarantine will not have to provide a medical certificate - People who cannot complete their claim for EI sickness benefits due to quarantine may apply later and have their EI claim backdated to cover the period of delay.

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Canada Emergency Response Benefit Government of Canada Employee Support The CERB will support Canadians who have lost their income because of COVID-19 by providing $2,000 a month for up to 4 months. You will apply through a simplified application process and are encouraged to register an online My Account with the Canada Revenue Agency in order to receive direct payment. Applications will be accepted starting April 6, 2020. The benefit is available to workers who have stopped working because of reasons related to COVID-19, who had employment and/or self-employment income of at least $5,000 in 2019 or in the 12 months prior to the date of their application; and, who have not quit their job voluntarily. NEW: When submitting your first claim, you cannot have earned more than $1,000 in employment and/or self-employment income for 14 or more consecutive days within the four-week benefit period of your claim. When submitting subsequent claims, you cannot have earned more than $1,000 in employment and/or self-employment income for the entire four-week benefit period of your new claim. Click here for more information on the definition of self-employment income. Click Learn More to apply.

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Business Credit Availability Program, BDC Business Development Bank of Canada Business Financing & Income Support New relief measures for qualified businesses include: - Working capital loans of up to $2 million with flexible terms and payment postponements for up to 6 months for qualifying businesses; - Postponement of payments for up to 6 months, free of charge, for existing BDC clients with total BDC loan commitment of $1 million or less; - Reduced rates on new eligible loans - No restriction on business size.

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Business Credit Availability Program for Exporters, EDC Export Development Canada Business Financing & Income Support EDC has introduced initiatives to help Canadian exporters respond to COVID-19 including; - Guarantee on loans of up to $5M so that companies can access more cash immediately - Cover insurance losses for goods shipped even if the buyer has not accepted the goods, subject to terms - Waiving the 60-day waiting period for insurance claims.

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Private Bank Debt & Payment Relief Private Banks Business Financing & Income Support Effective immediately, Bank of Montreal, CIBC, National Bank of Canada, RBC Royal Bank, Scotiabank and TD Bank have made a commitment to work with personal and small business banking customers on a case-by-case basis to provide flexible solutions to help them manage through challenges such as pay disruption due to COVID-19; childcare disruption due to school closures; or those facing illness from COVID-19.

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FedDev Ontario Repayment Deferral FedDev Ontario and other Regional Development Agencies Business Financing & Income Support A three month deferral for companies in repayment. This deferral takes effect on April 1, 2020, and will relieve some of the pressure your business is facing. FedDev Ontario will work with you to formalize these deferrals into an amended repayment schedule and outline other measures that may help your business. Tourism operators, small- or medium- sized business and organizations that have received FedDev Ontario funding in the past, may be eligible to receive additional funding and/or flexible arrangements. FedDev Ontario is also offering access to federal funding to help businesses impacted by the sudden shift in the economy and who require pressing assistance.

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Income Tax Deferral Canada Revenue Agency Business Tax Support Tax filing deadline for individuals moved to June 1 2020. For self-employed deadline is still June 15. Payments on 2019 owed taxes by individuals deferred to Sept 1, 2020. For self employed, any balance due for individual income tax deferred to August 31. For businesses, deadline to pay any income tax amounts that became owing or due after March 18, 2020 has been extended to August 31, 2020 (no penalties for payments on Sept 1, 2020).

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BDC Continuity Plan Business Development Bank of Canada Business Advisory Support Contains themed templates that can be used by businesses to develop contingency plans for dealing with emergency situations. Templates include but not limited to, identifying essential services, key customers, critical suppliers and action plan for maintaining essential services.

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Pandemic Preparedness for Business Canadian Chamber of Commerce Business Advisory Support Guidelines to assist businesses during pandemic. Includes, Pandemic Preparedness Guide which provides actions and key considerations a business should make regarding risk and crisis management, as well as a Crisis Communications Plan and Business Continuity & Recovery Plan (a template to assist businesses in recovery after an emergency situation).

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Stop the Spread Business Information Line: 1-888-444-3659 Province of Ontario Business Advisory Support The Province has launched a toll-free line 1-888-444-3659 to provide support to Ontario businesses who have questions about the province's recent emergency order to close at-risk workplaces following recommendations by Ontario's Chief Medical Officer of Health.

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Province of Ontario Postponing Planned Property Tax Reassessment Province of Ontario Business Tax Support The government is postponing the planned property tax reassessment for 2021.

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CanExport Government of Canada Business Advisory Support Funding for international market development activities. Due to travel restrictions during COVID-19 crisis CanExport advises applicants to develop a project plan that can be executed remotely from your target market.

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Work Sharing Program Employment and Social Development Canada Employee Support Work-Sharing (WS) is an adjustment program designed to help employers and employees avoid layoffs when there is a temporary reduction in the normal level of business activity that is beyond the control of the employer. The measure provides income support to employees eligible for Employment Insurance benefits who work a temporarily reduced work week while their employer recovers. The Government of Canada has introduced temporary special measures that extend the maximum duration of Work-Sharing agreements from 38 weeks to 76 weeks across Canada for those businesses affected by the downturn in business due to COVID-19. Other measures are still in place for the forestry and steel and aluminum sectors. You are eligible to apply if you are experiencing a downturn in business activity related to the global outbreak of COVID-19, and have: - WS agreements signed between March 15, 2020 and March 13, 2021 - WS agreements that began, or ended between March 15, 2020 and March 14, 2021, and - WS agreements that ended between June 23, 2019, and March 14, 2020 and are in their mandatory cooling-off period.

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Property Tax Deferral Municipality of North Grenville Business Tax Support The payment deadline for the Interim Property Taxes Bill (for residences and businesses) has been extended until June 30, 2020, and all new penalty and interest charges will be waived. Interim taxes were initially due on March 31, 2020.

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Water Bill Deferral Municipality of North Grenville Business Tax Support  The payment deadline for Water Bills that will be issued by the Municipality in early April has been extended to June 30, 2020. Late fees and interest charges that would normally apply will be waived until June 30, 2020.

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Canada Emergency Wage Subsidy Government of Canada Business Financing & Income Support Canada Emergency Wage Subsidy would apply at a rate of 75 per cent of the first $58,700 normally earned by employees – representing a benefit of up to $847 per week. In advance, businesses are strongly encouraged to register a Business Account with the Canada Revenue Agency in order to receive payments online. Please see web link for further details, including full eligibility rules.

NEW: this program has been extended until June 2021.

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Loan Guarantee for Small and Medium-Sized Enterprises Export Development Canada Business Financing & Income Support EDC will guarantee new operating credit and cash flow term loans that financial institutions extend to SMEs, up to $6.25 million. Access details are forthcoming.

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Canada Emergency Business Account Government of Canada Business Financing & Income Support

Government of Canada guaranteed interest-free loans of up to $40,000 to small businesses and not-for-profits, to help cover operating costs they have not been able to defer due to COVID-19. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000). Businesses can now apply for these loans through their banking institution. 

As of June 26, businesses eligible now includes owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly, as well as family-owned corporations remunerating in the form of dividends.

May 19: To qualify under the expanded eligibility criteria, applicants with payroll lower than $20,000 would need:

  • a business operating account at a participating financial institution
  • a Canada Revenue Agency business number, and to have filed a 2018 or 2019 tax return.
  • eligible non-deferrable expenses between $40,000 and $1.5 million. Eligible non-deferrable expenses could include costs such as rent, property taxes, utilities, and insurance.

NEW (October 9): An expanded Canada Emergency Business Account (CEBA), would enable businesses, and not-for-profits eligible for CEBA loans—and that continue to be seriously impacted by the pandemic—to access an interest-free loan of up to $20,000, in addition to the original CEBA loan of $40,000. Half of this additional financing would be forgivable if repaid by December 31, 2022. Additionally, the application deadline for CEBA is being extended to December 31, 2020. Further details, including the launch date and application process will be announced in the coming days. An attestation of the impact of COVID-19 on the business will be required to access the additional financing.

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GST, HST & Import Duty Tax Deferral Government of Canada Business Tax Support 

Government of Canada will allow businesses, including self-employed individuals, to defer all Goods and Services Tax/Harmonized Sales Tax (GST/HST) payments as well as customs duties owed for imports until June 30. 

Businesses that continue to experience difficulty in remitting GST/HST and customs duty amounts owing can contact the Canada Revenue Agency (CRA) and Canada Border Services Agency (CBSA) to make a request for the cancellation of penalties and interest, and/or for a flexible payment arrangement with the CRA.  

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Temporary Doubling of the Employer Health Tax Exemption Province of Ontario Business Tax Support  In order to provide immediate financial relief to employers impacted by the COVID-19 outbreak, the government proposes to retroactively raise the EHT exemption from $490,000 to $1 million for 2020. The exemption would return to its current level of $490,000 on January 1, 2021.

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Provincial Tax Deferral and Penalty Relief Province of Ontario Business Tax Support  Beginning April 1, 2020, penalties and interest will not apply to Ontario’s businesses that miss any filing or remittance deadlines under select provincially administered taxes. This will continue for a period of five months, up until August 31, 2020. See link for list of tax programs.

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WSIB Financial Relief Package Province of Ontario Business Tax Support  The financial relief package allows businesses to defer premium reporting and payments until August 31, 2020. All businesses covered by the WSIB’s workplace insurance are automatically eligible for the financial package.

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Off-peak Time-Of-Use (TOU) Electricity Rate Province of Ontario Business Financing & Income Support The government recently announced that it will continue the suspension of time-of-use (TOU) electricity rates and, starting on June 1, 2020, customers will be billed based on a new fixed COVID-19 Recovery Rate of 12.8 cents per kilowatt hour. This price will be available 24 hours per day, seven days a week to all time-of-use customers. This discount will be applied automatically to electricity bills without the need for customers to fill out an application form. The government also announced details of new programs. Initiatives include:
  • $8 million for the COVID-19 Energy Assistance Program for Small Business (CEAP-SB) to provide support to businesses struggling with bill payments as a result of the outbreak; and
  • An extension of the Ontario Energy Board's winter disconnection ban until July 31, 2020 to ensure no one is disconnected from their natural gas or electricity service during these uncertain times.

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Business Development Bank of Canada Co-Lending Program Business Development Bank of Canada Business Financing & Income Support Eligible businesses may obtain incremental credit amounts up to $6.25 million BDC’s portion of this program is up to $5 million maximum per loan. This program will be administered through private-sector financial institutions. Access details are forthcoming.

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Preventing COVID-19 in the Workplace: Employers, employees and essential service workers Government of Canada Business Advisory Support The Government of Canada has outlined detailed policies and practices for employers to reduce the spread of COVID-19 in the workplace.

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COVID-19 Small Business Help Centre Canadian Federation of Independent Business Business Advisory Support The CFIB has put together a resource page for small businesses with FAQs related to employee management, health & safety and business continuity planning.

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Ontario Agri-Food Job Portal Province of Ontario Business Financing & Income Support A one-stop-shop that highlights employment openings and training resources in Ontario’s agriculture and food sector.

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Canada Summer Jobs Program Enhancements Government of Canada Employee Support Temporary changes to the Canada Summer Jobs program include an increase to the wage subsidy to 100% and an extension of the end date for employment to February 28, 2012. Please see link for further details.

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Isolation Fund for Temporary Foreign Workers Government of Canada Employee Support The federal government will provide support of $1,500 for each temporary foreign worker, to employers or those working with them to ensure isolation requirements are fully met. The funding is conditional on employers not being found in violation of the mandatory 14-day isolation protocols or any other public health order. 

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Ontario-Canada Emergency Commercial Rent Assistance Government of Canada Business Financing & Income Support The OCECRA will provide forgivable loans to eligible commercial property owners experiencing potential rent shortfalls because their small business tenants have been heavily impacted by the COVID-19 crisis. To receive the loan, property owners will be required to reduce the rental costs of small business tenants for April to July 2020 by at least 75 per cent and commit to a moratorium on evictions for three months. Ontario applicants can apply on Tuesdays.

The Ontario government also passed the Protecting Small Business Act, temporarily halting or reversing evictions of commercial tenants and protecting them from being locked out or having their assets seized during COVID-19. The legislation applies to businesses that are eligible for federal/provincial rent assistance for evictions from May 1, 2020 until August 31, 2020.

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NRC IRAP Innovation Assistance Program Government of Canada Business Financing & Income Support The Federal government has committed an additional $250 million to The National Research Council of Canada’s Industrial Research Assistance Program to support innovative, early-stage companies. The program provides a wage subsidy to eligible employers for up to 12 weeks (details on amount of subsidy not yet released). Small or medium-sized businesses (SMEs) pursuing technology-driven innovation who have been unable to secure funding under the Canada Emergency Wage Subsidy are eligible. The call for applications opens April 22, 2020 and closes on April 29, 2020 at 11:59 pm EDT.

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Agri-Food Open for E-Business  Province of Ontario Business Financing & Income Support

The Agri-Food Open for E-Business initiative will help food producers, farmers markets, retailers, garden centres, greenhouses, nurseries, and agricultural associations develop online business, providing consumers with greater access to a wide variety of food and agriculture products.

This targeted application intake features two funding streams:

  1. Bring Your Business Online. Eligible organizations and businesses can apply for a grant of up to $5,000 to establish an online e-business and marketing presence. Funding under this stream will be quick and responsive for those needing immediate solutions.
  2. Develop Online Business Opportunities. Eligible organizations, businesses and collaborations can apply for cost-share funding of up to $75,000 to implement high-impact projects.

Update: due to high demand this program has paused intake.

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Plan to Reopen Ontario Province of Ontario Business Advisory Support

Ontario is planning for the next phase of responding to the coronavirus (COVID‑19) outbreak – reopening our province. As a first step, we have developed a framework to guide our approach. This framework outlines the method and principles we will use to reopen businesses, services and public spaces to responsibly lead Ontario’s economy back to a strong position.

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Ontario Workplace Safety Guidelines Province of Ontario Business Advisory Support

The Ontario government is ensuring employers have the safety guidelines they need to protect workers, customers, and the general public from COVID-19 as it prepares for a gradual reopening of the provincial economy. The government safety guidelines released today will provide direction to those working in manufacturing, food manufacturing and processing, restaurant and food service, and the agricultural sector.

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Industrial and Commercial Electricity Global Adjustment Charge Deferral Province of Ontario Business Tax Support  The Province will defer a portion of Global Adjustment (GA) charges for industrial and commercial electricity consumers that do not participate in the Regulated Price Plan for the period starting from April 2020. This initiative is intended to provide companies with temporary immediate relief on their monthly electricity bills in April, May and June 2020. The GA rate for smaller industrial and commercial consumers (i.e., Class B) has been set at $115 per megawatt-hour, which is roughly in line with the March 2020 value. Large industrial and commercial consumers (i.e., Class A) will receive the same percentage reduction in GA charges as Class B consumers. Subject to the approval of subsequent amendments, deferred costs would be recovered over a 12-month period beginning in January 2021.

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Stepping Stone Loan Fair Finance Fund Business Financing & Income Support Do you need working capital for things like developing new online markets, seasonal inputs, new distribution channels, new local supply chains? The Stepping Stone Loan is a short term loan offering meant to help local food and farm businesses thrive and change. It is quick and easy, between $5000 and $10,000 for a one year term, 3.65% interest, with an accelerated application process and full interest and principal repayment at the end of the term.

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Regional Relief and Recovery Fund Government of Canada Business Financing & Income Support

Now fully subscribed. Two funding options are available to applicants for the RRRF through FedDev Ontario:

  • Option 1: Up to $40,000 conditionally repayable interest-free contribution (loan). Repaying 75 percent, or up to $30,000 of the contribution, on or before December 31, 2022, will result in contribution forgiveness of 25 percent, or up to $10,000 of the total contribution. This is intended for main street businesses, and delivered through the local CFDC-Grenville CFDC.
  • Option 2: Between $40,000 to $500,000 fully repayable, interest-free contribution (loan). This is delivered directly through FedDev.

    To qualify for the RRRF through FedDev Ontario, an applicant must be:

    • A Canadian or provincially incorporated business (operating with at least one full-time employee) located in southern Ontario;
    • Facing funding pressures with fixed operating costs as a result of the COVID-19 pandemic;
    • Have applied to other Government of Canada COVID-19 emergency credit relief measures, for which they are eligible;
    • Planning to continue to operate its business or resume operations; and
    • A viable business before the COVID-19 pandemic.

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Business Resilience Service Government of Canada Business Advisory Support

The Business Resilience Service (BRS) allows you to connect with experienced business advisors from across Canada for guidance on which government relief programs will be most appropriate to support your small- to medium-sized business, not-for-profit or charity on how to respond and reshape amid uncertainty.

The program, delivered to your organization free of charge, provides:

  • Guidance on COVID-19 financial support program options and eligibility
  • Direction on accessing the most appropriate support organizations
  • Help to make decisions to support recovery plans
  • Real time insights and feedback to policymakers

To access the BRS call 1-866-989-1080 to connect with a business advisor from the accounting profession. The service is available 7 days/week from 8am – 8pm ET (5am – 5pm PT).

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North Grenville Small Business Grant Municipality of North Grenville Business Financing & Income Support The Municipality of North Grenville has partnered with the Grenville Community Futures Development Corporation (GCFDC) to offer additional support to the North Grenville business community. Council has allocated $100,000 to establish the Small Business Grant (SBG) program.  

As part of the SBG program, GCFDC will offer grants up to $1,000 to individual businesses to help recover certain costs due to COVID-19. Specifically, the funding is intended to support businesses that are changing or have already modified the way they operate.

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North Grenville Ad Share Program Municipality of North Grenville Business Financing & Income Support North Grenville businesses can now place advertising with local media outlets at a discounted rate with the Municipality covering the rest of the bill.

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NG Green Municipality of North Grenville Business Financing & Income Support A new local currency will be distributed starting in September! Sign-up to be a participating business and accept the currency.

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Canada United Small Business Relief Fund Ontario Chamber of Commerce Business Financing & Income Support

Intake closed for Ontario. The Canada United Small Business Relief Fund will be managed by the Ontario Chamber of Commerce on behalf of the national Chamber network in support of other chambers and partners to help small Canadian businesses with their recovery efforts as a result of COVID-19.

If awarded, a relief grant can be used for any of the following activities:

  • Purchasing Personal Protective Equipment (PPE) such as masks, face shields, and latex gloves.
  • Renovating physical space to adhere to local, Provincial or Federal reopening guidelines.
  • Developing or improving e-commerce capabilities for your business.

Successful applicants will receive a relief grant of up to $5,000. We intend to support local businesses of all kinds from across the country (from retailers to barbershops to farmers).

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RE3 Government of Canada Business Financing & Income Support

Regional Relief and Recovery Fund (RRRF), RE3 provides non-repayable performance-based contributions of up to $5,000 to assist Southern Ontario-based Women-led small and medium-sized enterprises (SMEs) to REBUILD, REOPEN and REVIVE their businesses.

Eligible activities should support the reopening, rebuilding and revival of applicant’s business, such as:

  • Acquisition of required/mandated Personal Protection Equipment (PPE)
  • Workspace reconfiguration to accommodate physical distancing
  • Hardware/software upgrades to enhance online capacity, client servicing and accessibility.

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Energy Assistance Program - Small Business (CEAP-SB) Province of Ontario Business Financing & Income Support

Provides one-time, on-bill credit to eligible small business and registered charity customers to help them catch up on their energy bills. Up to $850 in support towards electricity bill if you are primarily using electricity for heating, or up to $425 otherwise. Could also be eligible for up to $425 towards natural gas bill.

CEAP-SB is being delivery by electricity distributors, natural gas distributors and unit sub-meter providers (USMPs) in accordance with rules laid out by Ontario Energy Board. Utilities and USMPs will begin accepting applications on August 31, 2020.

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Tourism Economic Development and Recovery Fund Province of Ontario Business Financing & Income Support

Ontario Ministry of Heritage, Sport, Tourism and Culture Industries TEDRF application-based, cost-sharing program to provide non-capital funding to innovative new tourism products, support tourism investment or build the capacity of Ontario’s tourism industry.

The program is open to Tourism Businesses and Not-for-Profit Organizations (with clearly defined tourism focus).

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Increased Access to EI and Recovery Benefits Government of Canada Business Financing & Income Support

The Canada Emergency Response Benefit (CERB) was an important and necessary temporary response to support Canadians who had to stop working due to the pandemic. As we safely restart Canada’s economy, the Government will be transitioning to a simplified Employment Insurance (EI) program, effective  September 27, 2020, to provide income support to those who remain unable to work and are eligible, and introducing a new suite of temporary and taxable recovery benefits to further support workers. While the Government prepares for this transition, and to ensure support continues for Canadians whose employment has been impacted by the pandemic, the CERB will be extended by an additional four weeks, providing a new maximum of up to 28 weeks of benefits.


Summary of temporary measures to help Canadians access EI benefits more easily

  • 120 hours of work required to qualify
  • Minimum benefit rate of $400 per week
  • At least 26 weeks of regular benefits

Canada Recovery Benefit
The new Canada Recovery Benefit would be effective from September 27, 2020 for one year and would provide a benefit amount of $400 per week for up to 26 weeks to workers who are not eligible for EI, mainly the self-employed and including those working in the gig economy.

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Canada Emergency Rent Subsidy (CERS) Government of Canada Business Financing & Income Support

The new Canada Emergency Rent Subsidy would provide simple and easy-to-access rent and mortgage support until June 2021 for qualifying organizations affected by COVID-19. The rent subsidy would be provided directly to tenants, while also providing support to property owners. The new rent subsidy would support businesses, charities, and non-profits that have suffered a revenue drop, by subsidizing a percentage of their expenses, on a sliding scale, up to a maximum of 65 percent of eligible expenses until December 19, 2020. Organizations would be able to make claims retroactively for the period that began September 27 and ends October 24, 2020.

As well,  a top-up Canada Emergency Rent Subsidy of 25 percent for organizations temporarily shut down by a mandatory public health order issued by a qualifying public health authority, in addition to the 65 percent subsidy. 

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Main Street Recovery Grant Province of Ontario Business Financing & Income Support

Applications are now open for the $1,000 Main Street Recovery Grant to help eligible small businesses with 2-9 employees pay for PPE. 

NOTE: Businesses that have received our North Grenville Small Business Grant cannot apply to have the same expenses covered.

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Digital Service Squad Municipality of North Grenville Business Advisory Support Our Digital Service Squad is here to help you with your business' online presence. They can connect eligible businesses with grants such as the $2,500 Digital Transformation Grant and other free programs.

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