Government Small Business Loans

Government small business loans help put your own business within reach. First there’s the quest for a decent location, then comes building a customer base, followed by all the initial hiccups of generating a cash flow before your business grows roots and gains momentum. The beginning of a business is crucial because it’s when you gain or lose market credibility. If you disappoint your customers, they may not give you a second chance. If your business gets off to a rocky start (most do), and you believe you can recover but need further financing to make this happen, you can apply for government small business loans.

For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector.

More about Government Small Business Loans

Government loans are typically offered through banks and credit unions that partner with the Small Business Administration (SBA). The SBA is a U.S. government body, with the motive of providing support for small businesses and entrepreneurs. For each loan authorized, a government-backed guarantee offers serious credibility, since the lender knows that even if you default, the government will pay off the balance. These loans can be applied to a number of uses, such as:

  • Purchase of new equipment, machinery, parts, supplies, etc.
  • Financing leasehold improvements
  • Commercial mortgage on buildings
  • Refinance existing debt
  • Establishing a line of credit

Government small business loans benefit both small businesses and the lending agency. For small businesses, it is beneficial because this is money capital they may not have access too. For banks, the loan’s risk is decreased due to the loan being backed by the SBA.

Different SBA Government Loans

The SBA extends financial help through various lending programs it has to offer. Some of the more popular loans are:

  • 7(a) Loan Guarantee Program: aimed primarily in helping a small business start or expand its services. The maximum size of such a loan is $5 million.
  • MicroLoan Program: mostly used for short-term purposes, such as purchase of goods, office furniture, transportation, computers, etc. The maximum amount is fixed at $50,000.
  • 504 Fixed Asset Program: featuring fixed-rate and long-term financing, these loans are aimed at applicants whose business model will benefit their community directly, either by providing jobs or bringing needed services to an underserved area. Again, the maximum amount is $5 million.
  • Disaster Assistance: under this program, loans are sanctioned to renters or homeowners with a low-interest, long-term plan for the restoration of property to its pre-disaster condition.

In most cases, maintaining a good business credit report is enough to qualify. In addition, it instills confidence not only in the lender, but also in you. There is at least one SBA office in every state in America. If you contact them regarding the startup status of your business model and plan, you can get started on a government small business loan that will give you the financing to make your dreams a reality.

Money to Start or Expand a Small Business

Loan for small business

Right off the top. The U.S. government does not currently provide direct grants to individuals for starting or expanding a small business. However, the government does offer plenty of free help in planning how to start or improve your business and in securing low-interest SBA-backed small business loans. In addition, many states DO offer small business grants to individuals.

SBA does not offer grants to start or expand small businesses. SBA s grant programs generally support non-profit organizations, intermediary lending institutions, and state and local governments in an effort to expand and enhance small business technical and financial assistance. — Source: SBA

The SBA is the U.S. Small Business Administration. Since 1953, the SBA has helped thousands of Americans start small businesses. Today. SBA offices in every state, the District of Columbia, the Virgin Islands and Puerto Rico assist with planning, financing, training and advocacy for small firms. In addition, the SBA works with thousands of lending, educational and training institutions nationwide.\

Can the SBA help you?

If your business is or will be independently owned and operated, not dominant in its field, and meets the maximum business size standards required, then yes, the SBA can help you. Here s how:

Federal Government Contracting Resources

Small businesses sell billions of dollars worth of goods and services to the US federal government every year. Many government agencies require that some percentage of their contracts for goods and services be awarded to small businesses.

Here you will find the resources you need to help your small business become established as a federal contractor, find business opportunities, and the rules and regulations that federal contractors need to follow.

Government Resources for Women-owned Businesses

According to the Census Bureau, women-owned nearly 30 percent of all nonfarm businesses in the United States in 2002, when the nearly 6.5 million women-owned businesses generated more than $940 billion in revenue, up 15 percent from 1997.

Here you will find information on US government programs that help women entrepreneurs start, grow and expand their businesses.

Finding State-Based Small Business Grants and Funding Hot Prospects

Small business financing incentives are an important part of every state s economic growth plan. Some states even offer small business grants. Other small business incentives could include subsidized rates on SBA loans, tax breaks and participation in business incubator programs.

Small Business Lending Fund (SBLF)

The SBLF will ultimately provide up to $30 billion to small community banks to be used for making small business loans. The dividend rate a community bank pays on SBLF funding is reduced as that bank increases its lending to small businesses — providing a strong incentive for new lending to small businesses so they can expand and create jobs.

State Small Business Credit Initiative

In the tradition of the best sources of funding for small businesses coming from state governments, the new State Small Business Credit Initiative (SSBCI) – a component of the Small Business Jobs Act – will strive to generate at least $15 billion in locally-available small business loan programs intended to help small business grow and create new jobs.

Small Business Health Care Tax Credit

The health care reform law – the Patient Protection and Affordable Care Act – provides an immediate small business tax credit to help small businesses afford health insurance coverage for their employees.

How to Start a Rice Dealership Business

Good small business ideasRice is an important primary staple food in many Asian countries especially in the Philippines. Indicating the high demand for this commodity, planning to put up a rice dealership business in your area is a wise choice. There is already an assurance that this business will succeed because buyers are already there. Of course, in any kind of business, conducting a feasibility study is always a crucial step to take. This will assess the economic viability of your proposed business.

Here are some important questions to consider before plunging into this kind of business.

1. Do you have enough capital or budget for your rice dealership business? With at least P60,000 to P100,000 as a starting capital.

2. Do you want to operate as sole proprietorship or corporation? Business registration guide here.

3. Do you have a big and safe storage room for the sacks of rice that will be delivered to you?

4. Do you have a good location for your rice dealership business? Research the area of your target market, the flow of traffic and their buying habits.

5. Do you have lists of rice suppliers in your area? Make sure you have a lists of several suppliers and make a good relationship with them.

6. Do you have necessary equipments like calibrated weighing scales, rice sacks etc., and a service delivery (optional).

7. What varieties of rice do you intend to sell? Make sure to have several varieties of rice, so that your customers will have several options.

8. How will you market your business? This is also an important aspect especially you are new in this kind of business. Make a good marketing strategy and make your business known to your customers. Make a good deal with restaurant owners, hotels, resorts and small carenderias in your place to be their rice supplier.

Here are Some NFA Rice Dealership FAQ

Q: Who are required to secure license from NFA?

A: All persons, natural or juridical, that are engaging or intending to engage in the rice and/or corn business whether commercial or NFA rice/corn.

A: Before the start in any of the business activity enumerated above, the proprietor or operator should first secure a license from NFA. For those already license, businessmen should renew their annual license on any day within their scheduled month allotted by the NFA

A: Application may be filed at the NFA office that has jurisdiction over the location of the principal business of the applicant.

Q: In case we have more than one (1) store/establishment for Rice/Corn business, should all be licensed?

A: Yes, owner/operator should file a license for all outlets at the NFA office where his principal place of business is located. Additional outlets are treated as branches.

A: For new applicants, follow these procedures:

secure application form from the licensing officer upon payment of application fee;

accomplish and file application with complete requirements to the licensing officer who in turn checks the documents and determines corresponding license fee;

pay license fee to the cashier and get copy of official receipt;

prepare the facilities/equipment requirements for inspection by NFA Investigators;

after inspection of establishments, present notice of inspection to licensing officer, official receipt and proof of compliance with deficiencies, if any;

licensing officer issues license if application is found to be in order;

applicants display license in their establishments.

Procedures for renewal applicants:

secure application from licensing officer upon payment of application fee;

accomplish and file application with complete requirements together with previous year s license to the licensing officer;

licensing officer checks completeness of requirements and determines license fee to be paid;

pay license fee to the cashier and present the official receipt to licensing officer;

licensing officer issues renewal sticker and stick it to appropriate portion of the license if application is found to be in order;

applicants display licensing conspicuous place in their establishments.

Q: For New Applicants, how long do we have to wait for the Approval of our License Application?

A: The establishments and facility requirements of new applicants are inspected by NFA Investigators within 20 working days after the filling of their applications. Those inspected are given inspection notices stating the date when they can return to the NFA to show compliance with any deficiency, if any. Otherwise, their notices state the date they can get their license. In all these cases, it should not exceed 20 working days after inspection.

A: Application fee is P50.00 for a single line activity and P100.00 for two activities or more. License fees depend upon capacity of the post harvest equipment used.

A: Documentary and facility requirements depend upon the business activity.

Q: Does the NFA requires only Licensing on Rice/Corn Business Activities?

A: The NFA also require the registration of the following facilities aside from the license on the activities mentioned earlier list.

motor vehicles used or intended to be used in transport/hauling of palay/ rice/corn whether for exclusive use or for hire except public utility vehicles franchised by proper government agencies not principally used for transporting rice/palay/corn;

warehouses,threshers and sellers for own produce;

mechanical dryers for owner s/operators exclusive use;

packaging machines for owner s/operators exclusive use;

institutions/establishments securing their rice/corn requirements from the NFA;

poultry and hog raisers securing byproducts from the NFA;

manufacturers/importers/dealers and distributors of rice/corn post-harvest facilities;

non-operating mills and other post-harvest facilities. In this case, registration is done only once.

Registration is done at the office of the NFA that has jurisdiction over the location of the principal business of the applicant.

Registration fees see separate from that of the license fees.

Q: In the event that I discontinue my business, what should I do with my License/Registration Certificate?

A: Surrender your license/registration certificate to the NFA office that issued it together with a written notice of discontinuance.

Otherwise, in case you reapply, you would be charged with the fees for the entire period that you have not applied for renewal.

Q: What do you mean by Bonded Activities?

A: Bonded activities mean third party stocks are deposited in your facilities, for storage, milling, threshing, corn shelling or mechanical drying. Operators/owners of facilities accepting third party stocks are required to post a bond as well as fire insurance to safeguard the stocks of the third party.

Government Grants

In today s economy, it is quite normal to feel overwhelming stress when it comes to financial matters. This is especially true for individuals and organizations who would like to embark on projects from which not only they could benefit, but which also can be beneficial to society. It s important that you understand that there is help out there. As a matter of fact, it is in the government s best interest to fund people and groups that wish to grow financially, thereby strengthening the economy and their individual communities. If you are interested in benefiting from money that the government has set aside from people who wish to better their nation, you will want to research government grants.

What Are Government Grants?

In today s economy, it is quite normal to feel overwhelming stress when it comes to financial matters. This is especially true for individuals and organizations who would like to embark on projects from which not only they could benefit, but which also can be beneficial to society. It s important that you understand that there is help out there. As a matter of fact, it is in the government s best interest to fund people and groups that wish to grow financially, thereby strengthening the economy and their individual communities. If you are interested in benefiting from money that the government has set aside from people who wish to better their nation, you will want to research government grants.

For those who are learning about government grants for the first time, it can be a bit of a mystery why the government would give money to people who would like to better their lives. There is a misconception about the government s function. In many ways, a role of the government is to see that the economy is strong. In order for the economy to be strong, however, the people in a country need to be able to progress. If you are interested in construction or home remodeling, for example, you can t do your job if you are having cash flow issues. This is why the government is willing to provide you money so that you can complete your projects

Types of Government Grants

There are many different kinds of government grants. As a matter of fact, there are grants for virtually every kind of financial need that you can imagine. Individuals who are interested in growing their small businesses have access to a number of different grants developed to help improve this important and often struggling facet of the national economy. Likewise, people who are interested in improving their communities with sustainable and affordable housing can find a number of different grant opportunities offered by the Housing and Urban Development department. This agency also is known as HUD. There are also government grants offered to people who may need financial assistance at a personal level. For instance, there is funding for single mothers who may need help with basic financial support with school lunches and enrollment fees.

There also is funding for artists who would like to embark on large scale creative projects, but who may not have the time or money to see them fully realized. Another common goal of many of these grants is to help individuals who would like to go back to school. Pell grants, for example, are designed to fund individuals from low income brackets who would like to attend college. There are also education grants for people who have excelled as students and grants for people who would like to study concentrations that are beneficial to society.

How to Apply for Government Grants

If you are interested in applying for government grants, it first is necessary to register. Registering for federally funded grants is a relatively easy process, though it s important to remember to follow the instructions very closely. There often are a number of important dates and restrictions put on applicants, so you should make sure that you are entering the right information and that you are qualified to be awarded grants. One thing you want to keep in mind is that each government grant is assigned an identification number. In most cases, you will be expected to have access to this number before you begin the general application number.

Once you have been added to the government grants system, you will be ready then to prepare your materials for a specific grant. For individuals who are requesting basic financial assistance, this can be an easy and quick process as well. You may simply be required to provide some basic financial information regarding employment, income, and regular expenses. If you are applying for a grant that you will use to complete a project, however, you will certainly need to first prepare a statement and a budget. If you have never performed this kind of work before, you might need to get a little guidance.

The way in which you prepare for government grants depends largely on the nature of the grant for which you are applying. For example, if you are interested in beginning a housing project, you are going to need to do the work of a construction project manager. In other words, you will need to complete an initial budget in which you describe the materials and services you require and how you will use the funding to pay for these services and items. If you are interested in applying for funding for scientific research, if can be very important that you discuss your research goals. Likewise, you want to be sure that you can talk about how the funding will help you to improve your research. Artists who are applying for grants can count having to provide personal statements and resumes or curricula vitae.

As you are filling out your government grants materials, it s important that you remember to pay attention deadlines and other important details. In most cases, it is highly recommended that you complete all of your application materials at least a week prior to the deadline. If you are missing information or if you have not provided the correct information, a government grant representative will contact you and inform you that you need to revise your materials. If a representative has not had time to review your materials for errors before the passing of the deadline, however, then chances are that you will not be eligible for funding and will have to wait until the next year. In other words, it pays not to rush.

Apply for Government Grants

Start your application for a free grant package by clicking below. Non US Citizens are also eligible to apply for grants.

More Than 15 Small Business Funding Resources for You

Small business funding

Most small business owners can identify with the challenges of getting financing for their business or funding for a new product. There s no short, easy road to funding, most of the time, but these small business funding resources can help.


Kabbage has to be the most unique small business funding source found recently. They have created a powerful platform that, in my understanding, is creating a real-life look at how your business is doing to help you grow it.

They don t only look at credit scores, as so many traditional lenders do. They look at things like your Paypal, Ebay, Amazon, or Intuit QuickBooks account to figure out if you qualify and how much of a credit line you can receive. It is impressive.

Kiva Zip

Another innovative program and approach is found with Kiva, the microfinance platform. Etsy wrote about it. There is official information about zero interest (0%) with the Kiva Zip program (in Alpha, not even in Beta), and success stories on the main page.

The Lending Club

The Lending Club is a name that many consumers and business owners have heard before, but it is a site worth checking. Their peer-to-peer approach has taken the banking world by storm and it looks likely to continue in the business loan sector.

SmartBiz SBA Loans

SmartBiz SBA Loans ($5,000 $150,000) is a small business lender, but one that promises a much better process than traditional banks, on SBA type loans. If you ve ever gone through the SBA formal process, you know that it is rather comprehensive.

Funding Circle

Funding Circle has a large UK presence as well as a US site. It is an online marketplace for small business loans. The site explains you can find out in approximately one week if you qualify for a loan.


Ami Kassar CEO of MultiFunding has a useful website on how the different funding options work and his consulting brokerage serves as a matchmaker for businesses that need more than just the best rate and need help with more complicated loan options.

OnDeck and BoeFly

Here are a couple of other small business loan providers that are promising an easier process, lower rates, and other options that might make their loans more appealing to you. OnDeck and BoeFly.

QuickBooks Financing

QuickBooks Financing has a site dedicated to helping you find the right financing. It is a matching engine that allows their selected lenders to provide you with the right loan. I m presuming it also uses some of your QuickBooks data, but I m not certain of that as I did not submit data on the form.

Wells Fargo and SBA Bank of America

There is no shortage of traditional lenders where you can walk into a branch and talk to someone about an SBA loan, so I would be remiss for not including at least a couple that I believe in. The Wells Fargo small business loan page offers a range of good information. And the SBA Loan page at Bank of America may help you sort different SBA options.


If you have ever considered factoring, where you get financing based on your receivables, then I recommend this guide from RTS Financial, Your Complete Guide To Factoring.

PayPal Working Capital

PayPal Working Capital lets you pay your loan back as you get paid. A factoring method, of sorts.

Chase Mission Main Street Grants

One of my favorite places to look for less traditional financing options is the Small Business Events here on Small Business Trends. I used it to help compile this list, so I know there are some great funding options, often awards or contests, worth considering. This Chase Mission Main Street Grants is a terrific example. There is new information on the 2014 program.

Government Grants

You may need help to understand if a Government grant is worth pursuing. There are some large scale federal programs that pass funds through to universities and other nonprofit type institutions where you can sometimes find just the right help for your company.

City and State Level Resources

As I mentioned above, there are many city and state level resources, but too many to explain. If you search for your city or state combined with economic development, small business funding, and other related terms, you may find a niche program that serves your needs.

Here is a page from the Nevada Small Business Development Center where you ll get an idea of what you find at the state level. There are community-focused programs, as an example of a city program, for the Philadelphia area, Loan Programs City of Philadelphia Business Services Center. Scroll down through the long list to find the smaller loan amounts.

Opportunity Finance Network

Opportunity Finance Network (part of Goldman Sachs 10,000 small businesses initiative) is a big initiative sponsored by Goldman Sachs. The goal is to help educate business owners on a wide range of topics, to give you the best chance for success, in addition to access to capital. You must have an established business, with revenues.

There are plenty of sites that offer business loans too many to try and list. There are resources at the State and City level, depending on where you live, that can help you financially. There are also lists of USA State websites that offer resources or details around funding and details available on what it takes to qualify for a small business loan as well as sources of start-up funding.

We welcome you to list resources in the comments. We want to see the path to funding get easier, more transparent, and understandable for small business as a whole and we hope these resources do that for you.

If you have discovered a great resource that can help a small business owner find financing or a grant, please share it below.

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10 Best Small Business CRM Software

As small businesses begin to get their name out to customers, they sometimes need additional tools to organize those customers. A leading small business CRM solution software program offers the tools needed to sort and maintain leads and contacts based on the criteria that works for the company. The companies below have been reviewed based on a wide range of qualitative and quantitative statistics. In some cases, variable listing fees effect position on this list; however only highly-regarded firms are accepted through our review analysis. Learn more about our ranking process here.

Small business crm

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Small business crmPipedrive

New York, New York

#1 of 10 Top Small Business CRM Solutions of 2017 – When it comes to customer relationship management software for small businesses and startups, Pipedrive is nearly impossible beat. It works to streamline many of the most annoying processes that are inherently involved in the sales process. This makes the sales team more productive since they no longer are forced to focus on boring tasks. The founders of the firm that developed the software wanted to help the sales team since they found that most older versions of CRM software were geared toward the management teams. While this made those in charge happy, it didn’t help the sales team with improving performance.

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Small business crmAddressTwo

Indianapolis, Indiana

#2 of 10 Top Small Business CRM Applications of 2017 – AddressTwo is a simple CRM program geared toward small businesses. It is build around the idea that success in small business depends on relationships with customers, leads, partners, and suppliers. AddressTwo helps you manage those relationships in an affordable and easy to use way. Whether you are looking for help with managing leads, conducting an e-mail or direct mail marketing campaign, or following up with existing customers, AddressTwo provides just what you need to grow your small business.

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Small business crmZoho

Pleasenton, California

#3 of 10 Best Small Business CRM Software of 2017 – Make your customers think more highly of your organization with Zoho, the best small business CRM software, by increasing satisfaction in dealing with your employees. Close more deals with this leading customer relationship management software’s lead tracking system. Send out automated marketing emails that rarely get caught by spam filters. Keep up with transactions, including inventory and dollar amounts sold, to better fill out tax returns and make profit and loss statements. Create custom applications for your employees to interact with customers with. Get more from your valuable customers with a little help from the best small business CRM software, Zoho.

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Small business crmWorkbooks CRM

Reading, United Kingdom

#4 of 10 Top Small Business CRM Software of 2017 – Take hold of what your average customer thinks of your employees and business as a whole with Workbooks CRM, the best small business CRM software for boosting customer relationships. Make more sales, as this program reminds employees of who to follow up with and when. Track opportunities to see how effective various modes of communication are with certain customers. Have sales forecasts generated automatically, without the requirement to manually crunch numbers. Management can create workflows to keep employees from working on the same responsibilities. Trust Workbooks CRM to strengthen and maintain relationships with customers, helping your business perform better.

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Small business crmYesware

Boston, Massachusetts

#5 of 10 Top Small Business CRM Applications of 2017 – Yesware allows small business owners to track, measure and optimize their company’s sales outreach through the use of a variety of easy-to-use tools. Yesware users can use the built-in e-mail templates to send better emails, faster and then track those emails as they are sent out. Yesware’s industry leading software also includes the Meeting Scheduler and Sales Automation tools, allowing business owners to be more efficient with their time and follow up automatically with potential prospects. Other time saving tools include a one-click phone dialer and built-in integration with Salesforce, Outlook and many other popular industry standards.

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Small business crmTactile

Oxford, UK

#6 of 10 Top Small Business CRM Software of 2017 – Tactile CRM is one of the best services around in terms of easy, web based CRM for small business. With the ability to track conversations, sales, and contact history, Tactile CRM helps you keep up with the people and companies you do business with. Their program enables you to monitor opportunities in the pipeline and plan your next actions. Tactile CRM integrates well with many other online services to help you manage invoicing, help desk, and business card scanning solutions. Sign up for free in 60 seconds at

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Small business crmSugar CRM

Cupertino, California

#7 of 10 Best Small Business CRM Applications of 2017 – Treat your small business to the privilege of happy customers with a higher frequency than ever before by trusting Sugar CRM, the best small business CRM software on the market. Manage opportunities more effectively with Sugar CRM’s lead management tools, reminding employees of which customers are most likely to yield conversions. Join forces with coworkers on projects and documents through Sugar CRM, rather than using other programs to collaborate with fellow employees. Information about customers is even pulled from their social media accounts, whether your business follows them or not. Trust Sugar CRM to make customers think more highly of your operations.

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Small business crmInsightly

San Francisco, California

#8 of 10 Top Small Business CRM Applications of 2017 – Create lifelong relationships between your business and its many customers with help from Insightly, the best small business CRM software on today’s highly competitive software market. Accelerate sales with prompts shown to employees based on how close particular customers are to making purchases, rather than focusing on people who aren’t on the horizon of sales closure. Customer service functions have never been easier, as Insightly’s workflow automation protocol designs diagrams for employees to send their work along, helping cut down on idle time customers spend on phone lines when seeking help. Make your customers think the world of your organization with Insightly.

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A good CRM gives you insights into running your business. A smart CRM gives you the information you need in a way that you can use it. An ideal CRM offers you a solution to simplify your processes from day one. Zoho CRM includes the good, the smart, and the ideal in an enterprise-ready package.

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A good sales process leads to great sales. Generate more sales with sales process automation, workflows, and advanced reporting.

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Helping small businesses get loans

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The Canada Small Business Financing Program makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.

Over the past 10 years, small businesses have received over $9.4 billion in asset-based financing representing over 76,000 loans made.

Who is eligible?

Small businesses or start-ups operating for profit in Canada, with gross annual revenues of $10 million or less.

Not eligible under this program are farming businesses (for a similar program for the farming industry, visit, not-for-profit organizations, or charitable and religious organizations.

How much financing is available?

Up to a maximum of $1,000,000 for any one borrower, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

How do I apply for a loan?

Financial institutions deliver the program and are solely responsible for approving the loan.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will disburse the funds and register the loan with Innovation, Science and Economic Development Canada. (Find a lender near you)

What can be financed?

Loans can be used to finance the following costs:

  • purchase or improvement of land or buildings used for commercial purposes
  • purchase or improvement of new or used equipment
  • purchase of new or existing leasehold improvements, that is, renovations to a leased property by a tenant

For example, you can use a loan to finance:

  • commercial vehicles
  • hotel or restaurant equipment
  • computer or telecommunications equipment and software
  • production equipment
  • eligible costs to buy a franchise

You cannot use a loan to finance items such as:

  • goodwill
  • working capital
  • inventory
  • franchise fees
  • research and development

What are the costs?

The interest rate is determined by your financial institution and may be variable or fixed.

  • Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
  • Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate for the term of the loan plus 3%.

A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.

The registration fee and a portion of the interest are submitted to Innovation, Science and Economic development Canada by the lender to help offset the costs of the program for the government.

What are the terms of the financing?

Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee.

For more information, please contact your financial institution (Find a lender near you).

This program is administered by the Small Business Financing Directorate. For more information, please contact us.

Other resources

The Government of Canada offers other sources of financing and can help you protect your intellectual property, get permits and licences, and sell across borders even to us!