Last Updated: January 13, 2021
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BREAKING NEWS: Ontario Declares Second Provincial Emergency to Address COVID-19 Crisis and Save Lives:
In response to a doubling in COVID-19 cases over the past two weeks, the real and looming threat of the collapse of the province's hospital system and alarming risks posed to long-term care homes as a result of high COVID-19 transmission rates, the Ontario government, in consultation with the Chief Medical Officer of Health and other health experts, is immediately declaring a second provincial emergency under s 7.0.1 (1) of the Emergency Management and Civil Protection Act (EMPCA).
|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.|
|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.|
|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.|
|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.|
|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.|
|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.|
|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).|
|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.|
|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).|
|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.|
|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.|
|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.|
|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.|
|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.|
|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.|
|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.
|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.|
|Canada Emergency Business Account||Government of Canada||Business Financing & Income Support||
Eligible businesses facing financial hardship as a result of the COVID-19 pandemic are able to access a second CEBA loan of up to $20,000 – on top of the initial $40,000 that was available to small businesses.
Half of this additional financing, up to $10,000, will be forgivable if the loan is repaid by December 31, 2022.
This means the additional loan effectively increases CEBA loans from the existing $40,000 to $60,000 for eligible businesses, of which a total of $20,000 will be forgiven if the balance of the loan is repaid on time.
As announced in the Fall Economic Statement, the application deadline for CEBA has also been extended to March 31, 2021.
|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.
|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.|
|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.|
|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.|
|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:
|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.|
|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.|
|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.|
|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.|
|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.|
|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.|
|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.
|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.|
|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:
Update: due to high demand this program has paused intake.
|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.
|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.
|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.|
|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.|
|Regional Relief and Recovery Fund||Grenville CFDC||Business Financing & Income Support||
The extended and expanded Regional Relief and Recovery Fund (RRRF) provides interest-free loans to help support fixed operating costs of businesses and Not For Profit organizations (NFPs), where revenues have been adversely affected by the COVID-19 pandemic.
Applications for loans in amounts up to $40,000 will be considered.
|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:
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).
|North Grenville Small Business Grant||Municipality of North Grenville||Business Financing & Income Support||
Applications are now closed.
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.
|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.|
|NG Green||Municipality of North Grenville||Business Financing & Income Support||A new local currency can be purchased to spend at residents' favourite businesses! Sign-up to be a participating business and accept the currency.|
|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:
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).
|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:
|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.
|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).
|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.
Canada Recovery Benefit
|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.
|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.
|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.
|Ontario Support Employers and Employees Impacted by COVID-19||Province of Ontario||Business Advisory Support||The Ontario government is taking action to protect jobs by helping businesses avoid costly payouts and potential closures and continues offering protection to workers that are laid off due to COVID-19. These measures are being adopted through the extension of regulatory amendments that were put in place at the outset of the pandemic and through the introduction of a new regulation.|
|Ontario Small Business Support Grant||Province of Ontario||Business Financing & Income Support||The new Ontario Small Business Support Grant will provide a minimum of $10,000 and up to $20,000 to eligible small business owners required to close or restrict services under the Provincewide Shutdown.|
|Ontario Supporting Home-Based Food Businesses During COVID-19||Province of Ontario||Business Advisory Support||The Ontario government is supporting home-based food businesses by providing a guide on how to start a home-based food business, which includes an overview of public health requirements that need to be followed as a food operator. To further support these entrepreneurs, the government has also made regulatory changes to allow more flexibility to sell low-risk, home-prepared foods.|
|COVID-19 Tourism Adaptation Fund||Province of Ontario||Business Financing & Income Support||The COVID – 19 Tourism Adaptation Fund—generously provided by FedDev— provided $500,000, to Regional Tourism Organization 9 for tourism-related businesses in the form of a one-time, non-repayable grant of $1,500 – $20,000. Excluding HST.|