Business Loans and Grants in Canada

The Money Is There. Most Business Owners Never Find It.

Every year, Canadian governments and lenders deploy billions of dollars in loans, grants, tax credits, and financing to help businesses start, grow, hire, innovate, and export. Yet most business owners have no idea most of these programs exist — and spend years under-capitalized while the funding sits a few clicks away.

This book closes that gap.

Written by Montreal consultant Ferid Bakher, who has spent years assembling financing and grant packages for real clients, this is the most comprehensive and honest guide to Canadian business financing available in book form.

Inside you'll find:

Every major federal program — BDC, CSBFP, NRC IRAP, SR&ED, EDC, CanExport, and more

Diversity-focused funding — the Black Entrepreneurship Program, Women Entrepreneurship Strategy, Indigenous and 2SLGBTQI+ programs

Youth and startup capital — Futurpreneur, Community Futures, and provincial startup grants

Wage subsidies and hiring grants — Canada Job Grant, Canada Summer Jobs, and more

Provincial programs— Quebec (PME MTL, Investissement Québec), Ontario, BC, and beyond

Tax credits — SR&ED, provincial R&D credits, and the Ontario Interactive Digital Media Tax Credit

Private capital— angel investors, venture capital, alternative lenders, and equity crowdfunding

For every program: the phone number, the address, the website, the eligibility criteria, the funding range, and the practical tips that determine whether an application actually succeeds.

The book includes a complete Directory of Contacts with over 60 organizations and 100+ verified phone numbers and addresses — a working reference you'll keep on your desk.

No hype. No filler. Just the real system, mapped clearly, with an honest assessment of approval rates, wait times, and deal-breakers.

Stop dreaming about your business. Start funding it.