Funding programs
A plain-language map of federal tax credits, R&D support, export funding and government-backed loans open to Canadian small businesses, checked against official sources in October 2026.
The short answer
Canadian small businesses can combine SR&ED tax credits (35% refundable for most CCPCs up to a $6 million expenditure limit), NRC IRAP support, CanExport SMEs reimbursements and government-backed loans. Which ones fit depends on your sector, size and project. Most are not guaranteed, so confirm current terms on the official pages first.
Frequently asked
There is no single grant. Small businesses typically use a mix of SR&ED tax credits, NRC IRAP, CanExport SMEs, provincial programs and government-backed loans. Which ones apply depends on your sector, size and project.
Per the CRA, most CCPCs can earn a 35% refundable credit on qualified expenditures up to their expenditure limit, which is $6 million for tax years beginning after December 15, 2024. Above the limit, the 15% basic rate applies. Your actual result depends on your eligible expenditures.
It depends on the program. Contributions such as the first component of Quebec's ESSOR are non-repayable, while loans must be repaid. Some programs also reduce other claims you can make, so read the terms.
The NRC says a business must be incorporated, for-profit, operating in Canada, with up to 500 full-time equivalent employees, and developing innovative technology-driven products or services. Meeting the minimums does not guarantee funding.
Often yes, but government assistance can reduce the expenditures eligible under another program. Check each program's stacking rules and plan the order of your applications before filing.