JANUARY 12, 2022
For a full overview of programs provided by the Canadian government, click here.
To access the Business Benefits Finder to determine the best program and service for your
organization, click here.
Note: The repayment deadline for the Canada Emergency Business Account (CEBA) is being extended to December 31, 2023.
• This applies to all eligible borrowers in good standing.
• Repayment on or before the new deadline will result in loan forgiveness of up to a third of
the value of loans (up to $20,000).
Note: The repayment deadline to qualify for partial forgiveness of the Regional Relief and Recovery Fund is being extended to December 31, 2023.
Wage and hiring supports
• Employers may be eligible for a subsidy to cover part of employee wages. In each applicable
claim period, employers can claim one of the following- whichever gives the highest amount:
o Tourism and Hospitality Recovery Program
o Hardest-Hit Businesses Recovery Program
o Canada Recovery Hiring Program
• To calculate the amount available to your organization in wage/hiring support, click here.
• To apply to the wage and hiring support, click here.
o Organizations in the tourism, hospitality, arts, entertainment, and recreation sectors
affected by a qualifying public health restriction may be eligible for funding.
Eligibility: Must meet 3 conditions: More than 50% of eligible revenue
comes from the tourism/entertainment sector, a 12-month average revenue drop of at least 40% from March 2020 to February 2021, and a claim period revenue drop of at least 40%.
Timeline: Effective until May 7, 2022.
o OR qualify under the Local Lockdown Program
Available for eligible organizations, regardless of the sector (organizations do
not need to be in the tourism, hospitality, arts, entertainment, and recreation
Eligibility: Must meet 2 conditions: Organization was affected by a
qualifying public health restriction and a claim period revenue drop of at least
PROPOSED CHANGES: Include employers subject to capacity-limiting
restrictions of 50% and reduce the current-month revenue decline threshold
requirement to 25%
• Eligible employers will receive wage and rent subsidies from 25% up
to a maximum of 75%, depending on their degree of revenue loss.
o Organizations that do not qualify for the Tourism and Hospitality Recovery program
may qualify for funding.
o Eligibility: Must meet 2 conditions: a 12-month average revenue drop of at least
50% from March 2020 to February 2021 and have a claim period revenue drop of at
o Timeline: Effective until May 7, 2022.
o Each claim period, eligible employers can claim either the higher of the Canada
Recovery Hiring Program or the wage portion of the Tourism and Hospitality
Recovery Program or the Hardest-Hit Business Recovery Program.
o Timeline: Effective until May 7, 2022.
Other Business Supports
o Eligible businesses, not-for-profits, and indigenous organizations may be eligible for
funding to support the transition to a green economy, activities supporting an
inclusive recovery, digital adoption projects, and projects supporting Canada’s
o Eligibility: Interest-free repayable contributions for up to 50% of eligible costs and
eligible not-for-profit organizations could receive non-repayable contributions for up
to 90% of eligible costs.
Indigenous clients may be eligible for 100% of eligible project costs for
o Timeline: Applications are accepted on a continuous intake basis until funding is
o Click here to contact a FedNor Officer for further details on eligibility and how to
o A Work-Sharing agreement is a 3-party agreement involving employers, employees,
and Service Canada to help employers and employees avoid layoffs when: there is a
temporary decrease in the normal level of business activity, and the decrease is
beyond the control of the employer
o Special measures for COVID-19 include extending the duration of agreements by an
additional 38 weeks. That brings the total to 76 weeks (regardless of how many
weeks a business has used before March 14, 2020) followed by a possible new 26-
week subsequent agreement. Additional flexibility during COVID-19 is provided.
o Timeline: Special COVID-19 measures are in effect until September 24, 2022.
o Organizations operating in the tourism, restaurant, and in-person services may be
eligible for guaranteed, low-interest loans of $25,000 to $1 million to cover
operational cash flow needs.
o Eligibility: Organization’s financial institution will determine eligibility based on the
o Timeline: Applications open until March 31, 2022.
o Eligible large employers may qualify for bridge financing to meet needs that are not
being met with conventional financing.
o Eligibility: Organization has a significant impact on Canada’s economy,
demonstrates approximately $300 million or more in annual revenues, and requires a minimum loan size of about $60 million.
o Indigenous business owners can apply for non-repayable financial contributions to
support their organizations impacted by COVID-19.
o Timeline: Applications are accepted on a continuous basis until funding is allocated.
o Email: email@example.com
o Telephone: 647-920-9516
o Indigenous leadership and organization can apply for funding to design and
implement community-based projects to assist with COVID-19.
o Timeline: The request process for needs-based support recently reopened.
For formula-based funding allocated directly to First Nation, Inuit, and Métis
Nation communities, there is no deadline or request process. The funding is
flowing through existing agreements.
o Individuals may be eligible for funding if they lost their job through no fault of their
own or cannot find a job.
o If an individual is not eligible or has received the maximum of EI, they may be
eligible to apply for the following:
Canada Worker Lockdown Benefit
Canada Recovery Sickness Benefit
Canada Recovery Caregiving Benefit