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COVID-19 Resources

CCAB remains a strong resource for Indigenous business. We have the tools, services, and information on support programs that can help with the economic impact and financial strains caused by the COVID-19 pandemic.
Resources and Support for Indigenous Business
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Specialized Support for Indigenous Businesses

Aboriginal Businesses who are existing clients of Aboriginal Financial Institutions (AFIs).

The Government of Canada provided $306.8 million to Aboriginal Financial Institutions to provide interest-free loans and non-repayable contributions to help small and medium-sized Indigenous businesses unable to access the government’s existing COVID-19 support measures.

Where to apply/get more information:


Find one of the 59 AFIs

The Indigenous Community Business Fund
This fund will provide $117 million in non-repayable financial contributions to help support operating costs for First Nation, Inuit and Métis community-or collectively-owned businesses and microbusinesses whose revenues have been affected by the COVID-19 pandemic. There are two streams of funding:

Stream 1: Funding will be transferred directly to communities and collectives to immediately support their COVID-19 economic priorities. No applications are required for stream 1 funding.

Stream 2: Funding will be proposal-based. Applications must be submitted by the community or collectives on behalf of the business. Funding will be transferred directly to communities and collectives. For First Nations and Inuit community-owned businesses, the funding will be administered by Indigenous Services Canada (ISC) regional offices. For Métis collectively-owned businesses, funding will be administered by Métis organizations listed in the “Métis businesses” section.

Learn more and apply

The Federal Government plans to deliver targeted support to businesses that are still facing significant pandemic-related challenges. Support would be available through two streams:

Tourism and Hospitality Recovery Program, which would provide support through the wage and rent subsidy programs, to hotels, tour operators, travel agencies, and restaurants, with a subsidy rate of up to 75 per cent.

Hardest-Hit Business Recovery Program, which would provide support through the wage and rent subsidy programs, would support other businesses that have faced deep losses, with a subsidy rate of up to 50 per cent.


    • Applicants for these programs will use a new “two-key” eligibility system whereby they will need to demonstrate significant revenue losses over the course of 12 months of the pandemic, as well as revenue losses in the current month.
    • Businesses that face temporary new local lockdowns will be eligible for up to the maximum amount of the wage and rent subsidy programs, during the local lockdown, regardless of losses over the course of the pandemic.
    • These programs will be available until May 7, 2022, with the proposed subsidy rates available through to March 13, 2022. From March 13, 2022, to May 7, 2022, the subsidy rates will decrease by half.

Find out more. 

Access to Capital and Other Liquidity Support Measures


  • Your business was directly or indirectly impacted by COVID‐19
  • Your business was financially stable and viable prior to the current economic situation
  • The financing will be used solely to support operational cashflow requirements
  • Subject to your primary financial institution’s credit criteria

BDC partners with financial institutions to co-lend term loans to businesses for their operational cash flow requirements. Eligible businesses may obtain differing maximum finance amounts based on business revenues, up to $6.25 million, 80% of which would be provided by BDC, with the remaining 20% provided by the financial institution.

Where to apply/get more information:
Contact your primary financial institution to apply.

Learn more


For medium-sized businesses with annual revenues in excess of about $100 million to $500 million, from any sector or industry

Junior loans ranging between $12.5 million and $60 million for medium-sized businesses particularly impacted by the COVID-19 pandemic and/or the recent decline in oil and gas prices.

Note: The Oil and Gas Sector Financing Program has been merged with the Mid-Market Financing Program.

Where to apply/get more information:


Businesses of varying sizes

Working capital loans of up to $2M with flexible repayment terms such as principal postponements for qualifying businesses and reduced rates on new eligible loans.

Where to apply/get more information:



  • Your business does not need to have export sales to qualify for this program.
  • Eligibility for the EDC BCAP Guarantee is subject to additional requirements through approved financial institutions.
  • The following are not supported by the EDC BCAP Guarantee:
    • Government organizations or bodies or entities wholly owned by a government organization or body;
    • Non-profit organizations, registered charities, unions, or a fraternal benefit societies or orders, or entities owned by such an organization, unless the entity is actively carrying on a business in Canada (including a related business in the case of a registered charity) that earns revenue from the regular supply of property/goods or services;
    • Entities owned by any Federal Member of Parliament or Senator; and
    • Entities that promote violence, incite hatred or discriminate on the basis of sex, gender identity or expression, sexual orientation, colour, race, ethnic or national origin, religion, age or mental or physical disability, contrary to applicable laws.
  • Proceeds from your loan must be used to finance business operating costs and cannot be used to repay or refinance existing debt.
  • Some restrictions apply for Oil and Gas companies.

EDC will provide a guarantee to financial institutions, giving businesses access to additional credit for payroll and operational costs. EDC is actively working with partners to make this solution available as quickly as possible. Available for all Canadian companies, including non-exporting businesses that sell domestically.

Where to apply/get more information:


All Businesses

Includes additional EDC programs that can help companies work through the COVID-19 downturn.

Where to apply/get more information:


Firms in Canada’s oil and gas sector

EDC will increase its financial capacity over 12 months to support Canada’s oil and gas sector. This business support will be provided through EDC’s lending, bonding and accounts receivable insurance products. For those wishing to access support, they are encouraged to reach out to their financial institution.

Where to apply/get more information:


We’re providing additional information to help employers issue records of employment (ROEs) for employees during the COVID-19 pandemic.

If you have employees who stopped working because of COVID-19, you must issue their ROEs within the set timeframe.

More information 

Food producers, agribusinesses, and food processors

Additional $5 billion in lending capacity, offering increased flexibility to farmers and food producers who face cash flow issues and to processors who are impacted by lost sales. Farm Credit Canada has also put in place a deferral of principal and interest payments up to 6 months or a deferral of principal payments up to 12 months for existing loans as well as access to an additional credit line of up to $500,000, secured by general security agreements or universal movable hypothec (Québec only)

Where to apply/get more information:


Entrepreneurs aged 18-39

The Government of Canada is injecting $20.1 million through Futurpreneur Canada to support ongoing lending to young entrepreneurs.

Learn more

Firms that are pre-revenue or in the early stages of development.

The government is investing $250 million through the Industrial Research Assistance Program to support firms that do not yet have revenue or are in the early stages of development.

Where to apply/get more information:

Learn more


Businesses unable to access the government’s other support measures.

The Government of Canada is providing $675 million to Regional Development Agencies to provide equivalent bridge financing support to businesses unable to access the government’s broader support measures.

Where to apply/get more information:


The Regional Relief and Recovery Fund – (RRRF) provides financial contributions (interest-free loans) to help support fixed operating costs of SMEs, where business revenues have been affected by the COVID-19 pandemic and they have been unable to access other Government of Canada measures.

National Resources

Business Benefits Finder

Answer a few questions to generate a tailored list of supports for your business.

Find out more here. 


In the face of the COVID-19 pandemic, the government acted swiftly to provide support to protect Canadians and support people and businesses, adapting its response as the pandemic evolved. The government’s broad suite of support measures has helped families, protected jobs, and supported businesses across Canada. More than eight of every ten dollars spent to fight COVID-19 and support Canadians continues to come from the federal government.

This has, in many ways, been a two-speed recession. There have been businesses that have managed to adapt to the pandemic and to prosper. But others have been shut down outright by necessary public health restrictions or deeply limited in what they can do—and many of these highly affected businesses have been our small businesses. We need them to get back on their feet. They are the backbone of our economy, our main streets, and our communities.

Budget 2021 is a plan to make targeted investments in Canada’s businesses so they can hire and train Canada’s workers, who will then have more money to spend, spurring our recovery and growing an economy with more opportunities for everyone. It is a plan to help our businesses, especially small businesses, adopt new technologies. Restoring permanent and long-term economic growth means that we must help our businesses to come back stronger than ever before.

Find out how Budget 2021 will help your business make a strong recovery as the economy safely reopens.

Canada’s COVID-19 Economic Response Plan 

Support for individuals, businesses, sectors, and communities

Link: https://www.canada.ca/en/department-finance/economic-response-plan.html 

Canada Business App

New features to make it even easier to find government programs and services!

  • Easy navigation to government programs and services
  • Recommendations tailored to your business
  • Personalized notifications straight to your phone
  • Easy access to COVID-19 support and other programs and services
  • Answers to help you start up, scale up and access new markets

Find government programs and services at your fingertips.

Canadian Business Resilience Network

Working to provide information to business to help them get through COVID-19

Link: https://www.canadianbusinessresiliencenetwork.ca/

Complete the census and build your business

Your data is crucial to creating the knowledge bank businesses need to understand their sectors and determine where they’re headed.

The 2021 Census survey. 

Rapid tests available

The Government of Canada, some provincial/territorial governments, and distribution partners are providing free rapid COVID-19 tests to organizations for regular workplace screening of close-contact employees.


  • the name of your organization
  • the point of contact for your organization
  • the number of close-contact employees you employ in Canada
  • the provinces and/or territories in which these employees work

Link https://www.canada.ca/en/public-health/services/diseases/coronavirus-disease-covid-19/testing-screening-contact-tracing/rapid-tests-employees.html?utm_source=stkhldrs&utm_medium=eml&utm_campaign=stkhldrrpdtstngfrcvdscrnngnthwrkplc


Customers, partners, investors and suppliers provide Canadian businesses with valuable information and trust that their information will be secure. Canada’s cybersecurity certification program helps small and medium-sized businesses protect themselves against cyber attacks.

Enhance your competitive advantage by letting everyone in your network know you’re a trusted business partner.

Why get certified?

Improve your competitive advantage by reassuring your customers, partners, investors and suppliers that the valuable information they provide you will be secure.

Limit the direct and indirect impacts on your business from cyber attacks: financial loss, damage to your reputation and critical infrastructure, litigation, job losses and increased consumer prices.

Ensure your organization is eligible to compete for business opportunities that require cybersecurity certification.

Learn why certification matters for your organization.

Get certified

First Nation, Inuit and Métis communities and collectives can access funding to support their community-owned businesses whose revenues have been affected by COVID-19.

Find out more here. 

Mental Health and Substance Use Support
Link: https://ca.portal.gs/

Managing your business during COVID-19

Resources for businesses, their employees and self‑employed individuals including financial support, loans and access to credit.

Find more resources here. 

Small Business Hub

Welcome to the Small Business Hub—a resource to help existing and aspiring small business owners and entrepreneurs plan and run their enterprises. Statistics Canada is committed to using its resources to help the small business community better understand the country’s population and society, as well as the context in which businesses operate.

Check it out!

Avoiding or Minimizing the Impact from Layoffs

The Canada Recovery Caregiving Benefit (CRCB) gives income support to employed and self-employed individuals who are unable to work because they must care for their child under 12 years old or a family member who needs supervised care. This applies if their school, regular program or facility is closed or unavailable to them due to COVID-19, or because they’re sick, self-isolating, or at risk of serious health complications due to COVID-19. The CRCB is administered by the Canada Revenue Agency (CRA).

If you’re eligible for the CRCB, your household can receive $500 ($450 after taxes withheld) for each 1-week period.

If your situation continues past 1 week, you will need to apply again.

*Extended the Canada Recovery Caregiving Benefit until May 7, 2022, and increase the maximum duration of benefits by 2 weeks. This would extend the caregiving benefit from 42 to 44 weeks.*


The Canada Recovery Sickness Benefit (CRSB) gives income support to employed and self-employed individuals who are unable to work because they’re sick or need to self-isolate due to COVID-19, or have an underlying health condition that puts them at greater risk of getting COVID-19. The CRSB is administered by the Canada Revenue Agency (CRA).

If you’re eligible for the CRSB, you can receive $500 ($450 after taxes withheld) for a 1-week period.

*Extended the Canada Recovery Sickness Benefit until May 7, 2022, and increase the maximum duration of benefits by 2 weeks. This would extend the  the sickness benefit from 4 to 6 weeks.*


We’re providing additional information to help employers issue records of employment (ROEs) for employees during the COVID-19 pandemic.

If you have employees who stopped working because of COVID-19, you must issue their ROEs within the set timeframe.

More information 

Do you qualify

The information below should be used as a guideline. We encourage you to apply for Employment Insurance (EI) benefits as soon as possible and let us determine if you’re eligible.

You need to demonstrate that you:

  • were employed in insurable employment
  • lost your job through no fault of your own
  • have been without work and without pay for at least 7 consecutive days in the last 52 weeks
  • have worked for the required number of insurable employment hours in the last 52 weeks or since the start of your last EI claim, whichever is shorter
  • are ready, willing and capable of working each day
  • are actively looking for work (you must keep a written record of employers you contact, including when you contacted them)

More information 

The government will be transitioning to an amended Employment Insurance (EI) program on September 27, 2020.

EI insurance premium rates will be frozen for two years, so Canadian workers and businesses will not face immediate increases to costs and payroll deductions due to the additional expenses resulting from the pandemic.

Where to apply/get more information:


Year-round businesses that have been in business in Canada for at least one year.

Sharing agreement must agree to a reduced schedule of work and to share the available work over a specified period of time.

Where to apply/get more information:


All legal small and medium-sized enterprises

The program provides Employment Insurance (EI) benefits to top off the wages (based on an EI formula) to eligible employees who agree to reduce their normal working hours and share the available work while their employer recovers. As part of the Government of Canada’s COVID-19 response, the maximum length of a work-sharking agreement has been doubled from 38 to 76 weeks and processing time has been reduced from 30 days to 10 days. Employees on a Work-

Where to apply/get more information:


Provincial/Territorial Measures


Small businesses

Free advice, coaching and information on COVID-19 resources and supports.

Where to apply/get more information:


British Columbia

The COVID-19 Closure Relief Grant will provide fully funded grants to businesses that had to close due to the December 22, 2021 Provincial Health Officer (PHO) orders.

Find out more here.

All businesses

Support services operated by Small Business BC to offer information to support businesses during COVID-19. This will serve as the single point of contact for businesses throughout the province looking for more information on resources available during the COVID-19 pandemic.

Where to apply/get more information:




Applicants are subject to the following eligibility requirements:

  • Eligible organizations Include Winnipeg small businesses and not-for-profits that were forced to prohibit access to their premises as a result of the public health orders effective November 12, 2020 or thereafter.
  • Applicants must have fewer than 100 employees.
  • Organizations must have been engaged in business and its physical premises open for public access  immediately prior to the implementation of public health orders on November 12, 2020.
  • Organizations must consent to having their organization disclosed in a public  report as a grant recipient and the specific business expenses covered by the funding.
  • In accordance with the City of Winnipeg Charter Act, if the applicant currently has outstanding business taxes owing to the City, any approved grant will first be applied to the outstanding tax balance.


The City of Winnipeg has launched the Winnipeg COVID-19 Economic Support Grant Program in order to assist Winnipeg small businesses and not-for-profit organizations that have been forced to prohibit access to their premises  due to COVID-19 public health restrictions effective November 12, 2020. The City will be distributing a total of $3 million to eligible local businesses and organizations with funding provided by the federal Safe Restart Agreement.

Small businesses and not-for-profit organizations can now apply online for a non-repayable grant of $1,500. The grant can be used for rent, utilities, wages, personal protective equipment (PPE), sanitizing equipment, or other business expenses incurred.

Where to apply/get more information: 

Link: https://winnipeg.ca/emergweb/covid-19/economic-support-grant.stm

Additional information: 

Link: https://manitoba.ca/covid19/business/index.html

New Brunswick

Small businesses employing 1 to 49 employees with sales of less than $10 million and that were financially viable prior to the COVID-19 crisis.

Working capital loans of up to $100,000 to small businesses impacted by the COVID-19 pandemic, at an interest rate of 4% with six months of deferred interest payments and 12 months of deferred principal payments. Loans are funded by the Government of New Brunswick and administered by the Community Business Development Corporation. Applicants must have explored options with their primary financial institution and federal support programs.

Where to apply/get more information:


Privately-held businesses in business for at least 24 months and that were financially viable prior to the COVID-19 crisis.

Opportunities New Brunswick will provide working capital loans of $100,000 to $1 million, at an interest rate of 4% with six months of deferred interest payments and 12 months of deferred principal payments. Max term 5 years. Applicants must have explored options with their primary financial institution and federal support programs.

Where to apply/get more information:


Northwest Territories

Core BDPF can be used to help fund expenses to start up or expand your business and short-term projects that create employment. The maximum in any 5 year period is $10,000 ($20,000 for businesses in level II communities*). Only businesses with $500,000 or less in annual revenues are eligible to apply.

Find out more here.

All businesses

Loans of up to $25,000 (or more if the need is clearly addressed) are being made available to qualified NWT-owned businesses at a rate of 1.75%. Loans will be amortized for up to five years with options for payment deferment for 3 months upon request. Principal postponement on existing loans for up to three months.

Where to apply/get more information:


Indigenous-owned businesses negatively impacted by COVID-19 can apply for this funding to support their immediate working capital and operational needs.

The Emergency Loan Program, which is a component of the Indigenous Business Stabilization Program, is designed as an emergency measure to support small business owners in meeting their immediate operating cash flow needs. These funds are not intended to replace government or other bank/lender emergency financing/funds that are available to businesses in Canada.

Where to apply/get more information:

Link https://files.constantcontact.com/5ce59cb2401/04897f71-78e5-42ce-a16d-b99b28d56992.pdf


Link  https://www.myyellowknifenow.com/49682/akaitcho-bdc-announces-emergency-loan-program-for-indigenous-businesses-in-need/


  • Demonstration of financial need for a 30 – 60 day period due to cash flow issues resulting from the COVID-19 crisis, backed up by supporting documents such as:
    • Monthly expenses for the operation of your business for the next 30 days
    • Information which shows a change in revenues to your business within the last 60 days;
  • A completed loan application form;
  • A summary of other business relief that you have applied for or received due to COVID-19;
  • A valid Tourism Operator License if you are a Tourism Operator;
  • A copy of your valid driver’s license; and
  • A copy of your valid NWT business license.


The Government of the Northwest Territories (GNWT) is offering low interest loans to NWT businesses through the NWT Business Development and Investment Corporation(link is external) (BDIC) during the COVID-19 health pandemic.


link https://www.iti.gov.nt.ca/en/bdic-working-capital-loans


The Government of the Northwest Territories (GNWT) is asking NWT businesses to apply for the benefit on behalf of their eligible workers in order to make the program delivery efficient.

In return, the GNWT will compensate the participating businesses with a one-time payment of $50 per eligible employee for each extension period.

Businesses are asked to submit the following information for their employees who earn less than $18/hour and are at least 15 years old for the application period:

  • employee’s name;
  • current hourly pay rate paid by business; and
  • the number of hours worked at regular pay.

Where to apply/more information: 

Link https://www.fin.gov.nt.ca/sites/fin/files/resources/nwt_wage_top-up_program_implementaton_policy.pdf

Link https://www.fin.gov.nt.ca/en/services/nwt-wage-top-program

The Pandemic Relief Extension Program (PREP) provides support to licensed tourism operators impacted by the economic disruptions associated with COVID-19 through short-term relief for operational costs.

The objective of the PREP is to provide short-term relief to those licensed tourism operators that have been impacted and are the most vulnerable to permanent closure as a result of the economic disruptions associated with COVID-19. Only those licensed tourism operators that have experienced an operating deficit on a monthly basis will be considered for funding.

Find out more here.


Refer to the 2020-2021 SEED Program Guideline for the COVID-19 Response for more details on new priorities for business proposals


To promote and support the NWT private business sector through these difficult economic times, the Department of Industry, Tourism, and Investment has reallocated internal resources and supplemented its 2020-2021 program guidelines to prioritize funding proposals supporting local employment and community investment that will support and promote economic recovery.

Where to apply/more information:

Link https://www.iti.gov.nt.ca/en/services/support-entrepreneurs-and-economic-development-seed

The Supplement for Tourism Accommodation Relief (STAR) Program provides funding relief to accommodation providers offering three (3) or more rooms in the Northwest Territories (NWT) who have been and/or are being negatively impacted by the COVID-19 pandemic. Administered by the Department of Industry, Tourism and Investment (ITI) with assistance from the NWT Business Development and Investment Corporation (BDIC), the supplement will help ensure that accommodation providers in the NWT remain operational through to March 31, 2022.

Find out more here.

The Tourism Restart Investment Program (TRIP) is a one-time funding program to help restart the tourism industry in the NWT and to assist tourism operators and tourism-related businesses impacted by the travel restrictions related to the COVID-19 pandemic.

Find out more here.

Nova Scotia

Small Business

Enhancing the Small Business Loan Guarantee Program, delivered through Nova Scotia Credit Unions, to make it easier for businesses to access credit up to $500,000. For those who do not qualify for a loan, the Government of Nova Scotia will guarantee the first $100,000. Principle and interest payments under the Small Business Loan Guarantee Program will also be deferred until June 30.

Where to apply/get more information:




These businesses and organizations can apply to the program:

  • farms:
    • if the owner is at least 19 years old and is actively farming in the program year
    • if the farm is registered in the correct income category under the Farm Registration Act
  • agri-businesses:
    • that represent identifiable Nova Scotia agriculture and agri-food products
    • that conduct value-added processing of a raw Nova Scotia agriculture product (at least 50% of the business’s product), showing a direct partnership and significant economic impact to Nova Scotia’s primary agricultural activity
  • agricultural industry associations:
    • that represent identifiable Nova Scotia agriculture and agri-food products
    • that can prove their not-for-profit status

Find out more here.

Nova Scotia’s COVID-19 Paid Sick Leave program is available from 20 December 2021 to 31 March 2022 for individuals who can’t work remotely and miss less than 50% of their scheduled work time in a 1-week period because of COVID-19.

Find out more here.

Small Business

Eligible small businesses will receive a grant of 15% of their revenue from sales, either from April 2019 or February 2020, up to a maximum of $5,000.

Where to apply/get more information:


Eligible businesses include:

  • restaurants offering in-person dining service
  • bars or licensed drinking establishments (including tasting rooms and craft taprooms)
  • fitness establishments (including gyms and yoga studios) and sport and recreation facilities (excluding municipally owned or operated facilities)
  • businesses and organizations offering indoor recreation and leisure activities (including climbing facilities, dance classes, escape rooms, go-carts, indoor arcades, indoor play spaces, music lessons, pottery painting, shooting ranges and holiday craft markets)
  • live performing arts facilities
  • boat and walking tours
  • private museums

Your business must:

  • be registered in Nova Scotia as a sole proprietorship, partnership, corporation, society, social enterprise, not-for-profit, charity in business or other similar organization
  • have an active CRA Business Number (BN)
  • have gross revenue of $5,000,000 or less in its most recently filed tax year

Incorporated businesses that operate more than one eligible business establishment under a single corporate entity, may apply for a rebate for each business establishment.

Find out more here.

The program is a joint initiative of the Nova Scotia Co-operative Council, Atlantic Central, local participating credit unions, and the Province of Nova Scotia. Together, we are delivering better financial assistance for the start-up and expansion of small businesses. The Small Business Loan Guarantee Program supports provincial business owners with creating and maintaining rewarding careers for Nova Scotians each year.

Find out more here.


  • be registered to do business in Nova Scotia
  • not be a corporate store of a franchise network with establishments located outside Atlantic Canada
  • be primarily engaged in one of these business activities in Nova Scotia:
    • gym or fitness establishment
    • hair salon or barber shop
    • spa
    • nail salon
    • body art establishment
    • restaurant offering in-person dining service
    • bar or licensed drinking establishment (excluding winery and distillery tasting rooms and craft taprooms)
  • have either:
    • received benefits under the Nova Scotia Small Business Impact Grant (Part 1 or 2) or the Small Business Reopening and Support Program
    • experienced a year-over-year decline in revenues of at least 30% in any of the three months of April, May or June 2020
    • started business operations in Nova Scotia on or after 1 January 2020
  • conduct eligible business activities primarily from business premises in Nova Scotia that are assessed at a commercial tax rate
  • have not received rebates through the Tourism Accommodations Real Property Tax Rebate Program


The COVID-19 Small Business Real Property Tax Rebate Program will provide eligible businesses with a one-time rebate of $1,000 or 50% of property taxes paid for the last 6 months of the 2020 – 2021 tax year. Applications will be available soon.

Where to apply/more information: 

link https://novascotia.ca/coronavirus/small-business-real-property-tax-rebate/


All self-employed Nunavut residents and businesses majority- owned by Nunavut residents

Small businesses can apply for up to $5,000 in the form of a non-repayable contribution.

Where to apply/get more information:



The Ontario government is providing targeted relief for businesses and people impacted by the current public health measures aimed at blunting the spread of the Omicron variant. As part of this plan, the government is introducing a $10,000 grant for eligible businesses that are subject to closures under the modified Step Two of the Roadmap to Reopen and is providing additional electricity-rate relief for businesses, as well as workers and families spending more time at home.

Find out more here.

  • On Wednesday, September 22, 2021, the Government of Ontario will require patrons to be fully vaccinated and provide proof of their vaccination status to access certain businesses and settings.
  • A list of the affected businesses and settings are as follows:
    • The indoor areas of restaurants, bars and other food or drink establishments where dance facilities are not provided, but not with respect to takeout and delivery service.
    • The indoor and outdoor areas of food or drink establishments where dance facilities are provided, including nightclubs, restoclubs and other similar establishments, but not with respect to takeout and delivery service.
    • The indoor areas of meeting and event spaces, including conference centres or convention centres, but not including places described in subsection 4 (2) of this Schedule.
    • The indoor areas of facilities used for sports and recreational fitness activities, including waterparks and personal physical fitness trainers, including, for greater certainty, the indoor areas of facilities where spectators watch events, but not including places described in subsection 16 (4) of Schedule 2.
    • The indoor areas of casinos, bingo halls and other gaming establishments.
    • The indoor areas of concert venues, theatres and cinemas.
    • The indoor areas of bathhouses, sex clubs and strip clubs.
    • The indoor areas of horse racing tracks, car racing tracks and other similar venues.
    • The indoor areas of places where commercial film and television production takes place, where there is a studio audience. For the purposes of this paragraph, a member of the studio audience is considered to be a patron of the production
    • 3. The new regulation does not apply where a patron is entering an indoor area solely:
    • to use a washroom;
    • to access an outdoor area that can only be accessed through an indoor route;
    • to make a retail purchase;
    • while placing or picking up an order, including placing a bet or picking up winnings in the case of a horse racing track;
    • while paying for an order;
    • to purchase admission; or
    • as may be necessary for the purposes of health and safety.
  • These requirements do not apply to employees.
  • In advance of September 22, 2021, all Ontarians can print or download their vaccination receipt here: https://covid19.ontariohealth.ca/app-home


  • The Ministry of Health has noted that vaccination document provided by an Indigenous health provider is an accepted proof of vaccination.


  • The patron seeking entry to the business is solely responsible for demonstrating that they are the legitimate holder of the vaccination receipt.  The patron seeking entry must also confirm their identity using an identification document that contains their name and date of birth.


  • The Ministry is working on additional supports and services to assist Ontario residents who need help obtaining proof of vaccination, including requesting a copy be sent by mail. Those who need support obtaining a copy of their vaccination receipt including those who do not have access to a computer or printer can call the Provincial Vaccine Contact Centre at 1-833-943-3900.



There are a few exceptions to this new requirement, which are outlined in the regulation that was published by the Ministry of Health.  A link to the regulations can be found here:  O. Reg. 645/21: RULES FOR AREAS AT STEP 3 AND AT THE ROADMAP EXIT STEP (ontario.ca)


The Ministry of Health’s guidance document can be found here: Proof of Vaccination Guidance for Businesses and Organizations under the Reopening Ontario Act (gov.on.ca)

Link https://covid-19.ontario.ca/index.html

Link https://covid-19.ontario.ca/zones-and-restrictions

Why is the province issuing a stay-at-home order while also permitting curb-side pickup?

This question assumes every single person in Ontario has easy access to online shopping or that there is a big-box retailer in their community. This isn’t the case for many Ontarians who live in rural and remote areas.

We’ve learned a lot over the past year responding to this pandemic, including the fact that what may be essential to someone in Timmins and how they buy that item may not be essential to someone in downtown Toronto, who can easily buy items online for delivery. The Government of Ontario determining what retailers may be considered essential risks cutting off many Ontarians who don’t live in Toronto or an urban centre from access to necessary goods.

What is an essential item?

The Government of Ontario cannot determine what is essential for every person in this province, each with their own unique circumstances and regional considerations. Legally defining what is essential risks cutting people off from goods that may legitimately be necessary for their health, well-being and safety.

What is an essential trip?

The Government of Ontario cannot determine what is essential for every person in this province, each with their own unique circumstances and regional considerations. That said, we have provided broad categories that people should consider before leaving their home: food, health-care services, including medication, exercise or work, where someone’s job cannot be done at home.

What is essential work?

The stay-at-home order does not define what work or jobs are essential. Rather, it now mandates that anyone who can work from home must now do so. For example, someone working in retail obviously can’t do their job from home and would be permitted to go to work.

Why hasn’t the province defined who can or should work from home?

The Government of Ontario cannot review tens of millions of job descriptions to determine who can work from home. As such, we are relying on the best judgment and common sense of employers to determine who can do so. If an employee believes they should be working from home, they can contact the Ministry of Labour to file a health and safety complaint.

Why can people still gather in groups of five outdoors?

The outdoor gathering limit of five is in recognition of the fact that some people live alone and may require the company or support of others for their mental and physical well-being. Anyone gathering outside is expected to adhere to physical distancing measures and are now strongly urged to wear a mask.

Can people leave home to exercise? Can I go to my local playground or basketball court?

Yes, exercise is considered an essential reason for leaving your home. What that means will be unique to each individual Ontarian: some may wish to go for a walk around the block, while others may wish to go to a local basketball court with their household to shoot some hoops.

We recommend that Ontarians consult their local public health unit or municipality to understand what recreational amenities are open in their community.

Can someone living alone still join up with another household?

Yes, they can exclusively join one other household. This is to support their mental health and well-being, as well as to ensure those requiring support continue to have access to essential caregivers.

Is there a time limit for how long people can leave their homes?

No. That said, we’re asking Ontarians to use their best judgement when leaving their home for essential reasons. They should limit the number of stores they go to and spend as little time outside of their home as possible.

Is there a limit on the number of times someone can leave their home in a day?

No. That said, we’re asking Ontarians to use their best judgement when leaving their home for essential reasons. They should limit the number of stores they go to and spend as little time outside of their home as possible.

Can people travel to their cottages or secondary residences?

Right now, we are asking people to stay home and only leave their home for essential purposes, which could include emergency maintenance of a secondary residence. In the spirit of the stay-at-home order, at this time we are not recommending intra-provincial travel.

The government of Ontario is providing up to $10 million to Indigenous-owned small and medium sized businesses to help them with much needed capital as the province begins to safely and gradually reopen the economy.

Loans of up to $50,000 will be available to businesses that are either ineligible for, or unable to access, existing federal and provincial COVID-19 response initiatives for small businesses. The funding is being delivered through the Support for People and Jobs Fund.

Link: https://news.ontario.ca/mirr/en/2020/06/ontario-supporting-indigenous-owned-businesses-during-covid-19.html

All businesses

From April 1 to August 31, the Province will not apply any penalty or interest on any late-filed returns or incomplete or late tax payments under the majority of provincially administered taxes. Additionally, all employers covered by the Workplace Safety and Insurance Board will be able to defer premium payments for six months.

Where to apply/get more information:


Prince Edward Island

All businesses, except start-ups

Small business loan of up to $100,000 at a fixed interest rate of 4%, with a 12-month deferral of principal and interest payments

Where to apply/get more information:


Application Deadline: December, 31, 2021


This new program will provide funding in the form of a repayable loan to qualified applicants. Interest payments on loans approved through this program will qualify for interest relief (interest payment made behalf of the client) from Tourism PEI for a period of 18 months with Finance PEI offering principal deferrals to match the same 18 month period.

The total obligation of the Government of Prince Edward Island under this Tourism Assistance Loan program will not exceed Fifty Million Dollars ($50,000,000) in loan principal, unless increased by the Government of Prince Edward Island. Finance PEI & Tourism PEI will accept applications under this program from April 18th, 2020 to December 31st, 2021.


Eligible applicants must be a ‘for profit entity’ operating within one of the following sectors:

  • Must be licensed tourism accommodations (e.g. hotel, motel, bed and breakfast, inn, resort, cottage operations, campgrounds);For licensed tourism accommodations where the owner resides to assist with operations, the business must have minimum annual revenue prior to Covid-19 of $50,000.00, or a minimum of at least 4 guest bedrooms with private bathrooms that are assigned to the exclusive use of a guest or party of guests and hospitality is provided by the tourism operator.
  • Food and beverage service (e.g. restaurant, bar, brewery);
  • Local artisans and artists (e.g. pottery, artwork);
  • Locally-owned retail and gift shops that cater primarily to Tourism;
  • Attractions (e.g. museum);
  • Tourism service/experience providers;
  • Event companies;
  • Adventure (e.g. kayaking, amusement park, golf); and/or
  • Tour operator.

More info/apply here



You may be eligible to access the Prince Edward Island Broadband Fund (PEIBF) if you are:

  • A Prince Edward Island for-profit business that is a sole proprietorship, partnership, cooperative or limited liability company that requires access to new or upgraded services to their business premises.
  • Not-for-profit businesses
  • Teleworking access


The Prince Edward Island Broadband Fund provides financial assistance to local Prince Edward Island internet service providers (ISPs)communities and businesses for the installation of infrastructure for enhanced broadband services. Through this program, partnerships and collaborations are encouraged and support is provided for increased service levels, improved access and consumer choice for connectivity.

The Prince Edward Island Broadband Fund (PEIBF) provides a contribution of up to 50% of the eligible costs for a project approved for funding. Applications must be submitted prior to the start of a project; any expenses incurred before the submission of an application are ineligible.

Apply/more info 


The Prince Edward Island Emergency Payment for Workers program provides financial support to residents of Prince Edward Island who had employment impacts as a result of the Covid – 19 public health measures announced December 17, 2021. This emergency payment program is a one-time lump sum payment of $500 from the Government of Prince Edward Island.  This emergency benefit is taxable income.

Deadline: January 17th, 2022

Find out more here.

The Emergency Income Relief Fund is a temporary support for self-employed Prince Edward Island residents who do not qualify for the Canada Worker Lockdown Benefit and have substantially lost income (50% minimum) as a result of the Temporary COVID-19 Measures announced on December 17, 2021.

Find out more here.


All businesses that can demonstrate the impact of COVID-19 on their operations

Provides loans or guarantees of up to $50,000, administered through Regional County Municipalities or Local Investment Funds

Where to apply/get more information:


All businesses, with some exclusions

Loan guarantees or working capital loans of at least $50,000

Where to apply/get more information:


The Emergency Assistance Program for Small and Medium-Sized Businesses (PAUPME) seeks to support, for a period no greater than six months, the working capital of SMEs to enable them to maintain, consolidate or revive their activities.

Apply to Assistance in Regions of Maximum Alert (ARMA) or Assitance for Some Businesses in the Tourism sector. 

Find out more here.


The Government of Saskatchewan has launched the Accelerated Site Closure Program (ASCP) to use $400 million in federal funding for the abandonment and reclamation of inactive oil and gas wells and facilities. The program is scheduled to run until February 28, 2023. The primary purpose of this program is to put Saskatchewan people and companies back to work in the oil and gas services sector.

The ASCP will be overseen by the Ministry of Energy and Resources and administered by the Saskatchewan Research Council (SRC). The program will maximize the use of Saskatchewan-based oil and gas service sector companies. Meaningful First Nations and Métis participation in the ASCP will be an important consideration over the life of the program.

Find out more here.


All businesses

The Government of Yukon will waive, reimburse or delay government fee collection, such as airport landing fees. Additionally, Workers’ Compensation Health and Safety premium payments will be deferred, and penalties and interest will be waived. Any payments made up front will be reimbursed.

Where to apply/get more information:


The Paid Sick Leave Rebate for employers and people who are self-employed provides up to 10 days’ wages for workers. They may receive up to 10-days’ wages if due to COVID-19 they’re:

  • sick;
  • self-isolating; or
  • caring for other household members.

The Paid Sick Leave Rebate program helps Yukoners prioritize their health and reduce the spread of the COVID-19 virus.

Find out more here.

Businesses that have had to cancel events

The Government of Yukon is establishing a criteria- based grant program that would address certain expenses related to event cancellations due to COVID-19. Criteria to be established will focus on losses related to perishable goods and cancellation of accommodation and services.

Where to apply/get more information:


Some businesses and non-governmental organizations in the Yukon need to verify that people are fully vaccinated so they can have access to services and events.

The Vaccine Verification Rebate provides funding for the equipment they need to verify people’s proof of vaccination.

Find out more here.