Business funding across Canada
We refer businesses in every province and territory to lenders active where they operate. The products are the same across the country; the tax accounts and registrations lenders check are not.
Ontario
From Toronto and the GTA to Ottawa, Hamilton, London and the north, Ontario businesses use the same core products as everywhere in Canada.
Business loans in Ontario →Quebec
Montreal, Quebec City, Laval, Gatineau, Sherbrooke and the regions.
Business loans in Quebec →British Columbia
Vancouver, Surrey, Victoria, Kelowna and the Interior.
Business loans in British Columbia →Alberta
Calgary, Edmonton, Red Deer, Lethbridge and beyond.
Business loans in Alberta →Canada Small Business Financing Program
The federal loan program offered through banks and credit unions, and how to ask for it.
About the CSBFP →En français
Tout le site en français pour les entreprises du Québec.
Aller au site français →Sales tax by province
What your bank statements show a lender
Lenders read your deposits and your tax remittances. Here is the sales tax setup in the four largest provinces.
| Province | Sales tax | Administered by |
|---|---|---|
| Ontario | HST 13% | CRA |
| Quebec | GST 5% + QST 9.975% | Revenu Québec (for most businesses) |
| British Columbia | GST 5% + PST 7% | CRA (GST), BC Ministry of Finance (PST) |
| Alberta | GST 5% only | CRA |
General rates at the time of writing; some goods and services are taxed differently. Check with the CRA, Revenu Québec or your accountant.
Anywhere in Canada
Documents lenders ask for
- Your Business Number (BN), the 9-digit number from the CRA
- Recent CRA notices or statements showing GST/HST and payroll accounts are up to date
- The last 4 months of business bank statements, all pages
- Government-issued photo ID for each owner
- A void cheque or bank letter for the business account
| Time in business | 1 year+ |
|---|---|
| Monthly revenue | $15,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
See what your business qualifies for
Two minutes, no credit pull, no fee. We come back with real options from lenders that fit.