Canada Government Loan
政府担保贷款
Canada Small Business Financing Program (CSBFP)
政府担保小生意贷款
Funding up to $1,150,000
What is CSBFP
CSBFP Government-sponsored loan program that offers up to $1,000,000 Term Loan (of which $500,000 for equipment, leasehold improvements, intangible assets and working capital, of which $150,000 for intangible and working capital) to small businesses in Canada.
85% of the loan is guaranteed by the Federal government. Purchases made within the past 365 days prior to the date of the loan approval are eligible for financing. Amortization for all asset classes, including real property/immovable, equipment, leasehold improvement, intangible asset and working capital, up to 15 years.
加拿大小生意贷款 (CSBFP)特点
- 最多可借50万-115万（115万仅限购买商业物业）
- 85%贷款金额为政府担保，如无法偿还 银行会向政府索赔
- 利率低至prime+3%
- 2%的政府手续费一次性收取
- 最长term15年
- 贷款主要可用于3方面: 装修，买设备，前期投入资金（如加盟费，律师费，培训费，开店前最多3个月租金等）
申请条件
- 商业计划书 Business Plan
- 至少贷款金额1/3 的投入资金
- 至少贷款金额25%的个人担保金
- 信用分680分以上
- 加拿大注册的盈利性中小型企业
行业类别 (部分)
- Restaurant 餐馆
- Convenience Store 便利店
- Clinic 诊所
- Salon & Spa 沙龙/按摩店
- Dry Cleaner 洗衣店
- Law Firm 律师行
- Accounting/Bookkeeping 会计
- Insurance 保险
- Real Estate 地产
- Property Management物业管理
- Consulting 咨询
- Design 设计
- Marketing 市场营销
- Tourism/Travel 旅游
- Import 贸易
- E-Commerce 电商
- Software 软件开发
- Inspection 评估
- Immigration 移民
- Music School 音乐
- Dancing School 舞蹈
- Commercial School 培训
- Day Care 幼儿园
- Pet Service 宠物服务
- Club 俱乐部
- Car Repair 修车行
- Car Dealer 汽车经销商
- Trucking 货运
- Logistics 物流
- HVAC Contactor 冷暖气
- Security 安防设备
- Equipment 设备
- Renovation 装修
- Construction 建筑
- Printing 印刷
- Cabinet 橱柜
- Flooring 地板
- Stone 大理石
Canada Agriculture Loan Act (CALA)
政府担保农业贷款
Funding up to $500,000
What is CALA
The Canadian Agricultural Loans Act (CALA) is a federal government program designed to finance farm improvements, and fund the processing, distribution and marketing of farm products.
Individual farmers can receive up to 80% financing (new farmers up to 90% financing) of the asset’s value to a maximum of $500,000 for property assets or up to $350,000 for all other eligible assets. Loan terms are up to 10 years, and 15 years when financing land.
Maximum interest rate on variable rate loans is Prime + 1%; Maximum interest rate on fixed rate loans is the Residential Mortgage Rate + 1%. Eligible assets include land, buildings, construction, machinery, livestock, consolidation, share purchases and crop storage condominiums.
行业类别 (部分)
- Farm Business 农业生意
- Crops 谷物庄稼
- Livestock 饲养业
- Food Processing 食品加工
- Food Transportation 食品运输
- Brewery/Winery 酿酒
Scientific Research and Experimental Development (SR&ED) Tax Credits
科研和实验开发税收减免
Funding up to $3,000,000
What is SR&ED
The Scientific Research and Experimental Development (SR&ED) tax incentives are intended to encourage businesses to conduct research and development in Canada. Corporations, individuals, trusts, and partnerships that conduct eligible work may be able to claim SR&ED tax incentives for the year.
There are two tax incentives claim: a deduction against income and earn an investment tax credit (ITC). The SR&ED tax credit provides substantial financial relief by reducing taxable income for R&D expenses. It offers a basic 15% credit for all corporations and an enhanced 35% rate for eligible Canadian-Controlled Private Corporations (CCPCs).
符合项目申请条件的指标
- New application of existing technology 现有技术的新应用
- Capital spends 资本支出
- Budget overruns 预算超支
- Developing or improving products and processes 开发或改进产品和工艺
- Technical issues 技术问题
- Consulting studies 咨询研究
- Cost reduction strategies成本削减策略
- Environmental/regulatory compliance 环境/法规合规性
- Integration of new technologies within old facilities 新技术与旧设施的整合
IRAP Funding
科研企业创新型补助
Funding up to $10,000,000
What is IRAP
What is IRAP? Known as one of Canada’s best funding programs, IRAP offers non-repayable financial assistance covering 80% of salaries and 50% of contractor costs under the following subprograms. The total project costs and allocated funding are determined by working with an NRC IRAP Industry Technology Advisor (ITA).
To be eligible for IRAP funding, your business must be a small or medium-sized enterprise (SME) in Canada with 500 or fewer full-time employees.
IRAP项目
- 小型项目：最高5万加元，适合快速推进技术研发, 急需资金启动创新项目的中小企业
- 中型创新：最高1000万加元，适合研发新科技/原创软件，有潜力颠覆市场的技术型企业
- 青年就业补贴：最高3万加元/人，适合能资助2名毕业生工作实习，想吸纳年轻人才的创新型公司
谁可以申请
- 加拿大注册的盈利性中小企业
- 员工≤500人
- 聚焦技术创新，目标在加国开发新产品/服务
IRAP vs SR&ED
- IRAP先申请后执行；SR&ED先花钱后退税
- IRAP覆盖80%工资+SR&ED退税剩余部分+55%管理费用
- 若研发投入50万加元，IRAP补10万；SR&ED退28.8万，最终成本仅需11.2万
Government-Backed Programs
其它政府创业资金项目
Women Entrepreneurs Financing
女性创业贷款 (WEOC)
Funding up to $50,000
Futurpreneur Startup Program
青年创业者贷款
Funding up to $75,000
Newcomer to Canada Program
新移民创业贷款
Funding up to $50,000
BDC Small Business Loan
BDC小企业贷款
Funding up to $100,000
Business Loan & Line of Credit
生意贷款
Supply Chain /Working Capital /Business Loan/ Line of Credit
供应链/流动资金贷款/生意贷款/信用额度贷款
Funding $50,000-$10,000,000
- Inventory 存货
- Account Receivable 应收账款
- Equity Loan 股权
- Micro Loan 小额贷款
- Supply Chain 供应链
- Working Capital 流动资金
- Business Loan 生意贷款
- Line of Credit 信用额度贷款
Equipment Leasing & Financing
设备租赁/抵押贷款
Funding $50,000-$10,000,000
- Equipment Leasing 设备租赁
- Tooling and Mold 模具
- Medical Equipment 医用器材
- Heavy Equipment 重型设备
- Construction Equipment 建筑设备
- Commercial HVAC/Lighting 暖通照明
- Energy Equipment 能源设备
- Agricultural Equipment 农业设备
- Leasehold Improvement 租赁改良
- Transportation/Trucking 运输航运
Trade Expansion Lending Program
进出口外贸公司贷款
Letter of Credit Loan
外贸公司信用证贷款
Funding $50,000-$10,000,000
Commercial Financing
商业贷款
Commercial /Retail
商业/零售业贷款
Funding uo to $10,000,000
- Mixed Use 上居下铺
- Retail Store 零售店铺
- Office Building 办公大楼
- Medical Building 医药大楼
- Rehab Centre 康复中心
- Shopping Centre/Plaza 购物中心
- Daycare Centre 幼儿中心
- Retirement Home 养老院
- Student Residence 学生公寓
- Gas Station 加油站
- Car Dealership 汽车经销商
- Repair Shop 修车行
- Hotel 酒店
- Cottage/Marina 度假村码头
- Golf Course 高尔夫球场
Warehouse/Industry/Manufacture
工业/制造业贷款
Funding up to $10,000,000
- Warehouse 工业厂房
- Manufacturing 制造业
- Processing Factory 加工厂
- Distribution Centre 物流中心
- Self Storage 自助仓储
Agricultural 农业贷款
Funding up to $10,000,000
Construction 建筑贷款
Funding up to $10,000,000
Land Development 土地开发
Funding up to $10,000,000
Residential & CMHC Financing
住房贷款
Residential Purchase/Refinance/Renewal
住房贷款 — A类银行
Direct Application: Clients can directly apply for a mortgage with a big bank’s branch.
Mortgage Broker: Utilizing a mortgage broker allows clients to compare rates and products from various lenders and potentially secure personalized guidance.
住房贷款 — B类银行
B lender also known as an alternative lender or subprime lender.
B lender offer mortgage financing to individuals who may not meet the stricter requirements of traditional banks or credit unions, such as those with lower credit scores, irregular income, or non-traditional income sources.
B类小银行 (Home Trust, Equitable 等)贷款，审批要求低，贷款额度高。面对信用分低，收入不够，现金收入，申请材料不足，A类银行申请被拒，A类银行批准金额过低的客户。
Newcomer to Canada
新移民海外收入住房贷款
Funding up to $10,000,000
Program for Self-Employee
自雇人士/企业主住房贷款
Funding up to $10,000,000
High Net Worth Program
高净值人士住房贷款
Funding up to $10,000,000
Reverse Mortgage
反向抵押住房贷款
Funding up to $1,000,000
Home Equity Line of Credit (HELOC)
房屋资产净值信用额度贷款
Funding $50,000-$5,000,000
CMHC MLI Select Multi-Family
多户住宅物业贷款
Funding up to $10,000,000
What is CMHC MLI select
A CMHC (Canada Mortgage and Housing Corporation) program that offers insurance incentives for multi-unit residential properties. As low as 5% down with up to 95% loan-to-cost; 50-year amortization, sub-prime interest rates; 10-year terms; Third-party cash flow sanity check ensures positive returns.
The borrower must have minimum net worth equal to at least 25% of the loan amount being requested, with a minimum of $100,000. For insurance applications scoring a total of 100 points or more, CMHC may permit flexibility in net worth requirements.
To qualify for the MLI Select Program, the property must contain at least five rental units. This can be achieved by purchasing a multi-family unit or multiple properties located next to each other (e.g., three detached homes, each with legal suites). For CMHC-insured mortgages, at least one borrower or guarantor needs a credit score of 600 or higher.
购买者的个人财务要求
- 最少5%的首付款
- 另外还需要有5%的流动资产
- 客户的家庭净资产不能少于物业价格的25%
什么人可以申请
- 这个项目适合高净值的家庭， 以很少的启动资金， 长期以很低的融资贷款成本持有加拿大优质的多单元住宅项目， 长期靠租金（以及租金的增长） 来实现财富积累。 随着通胀/地价/建筑成本的上升， 客户也可能获得潜在的物业升值， 进一步加快财富积累。
- Net worth净资产， 包括所有在加拿大的资产（房产， 现金， GIC, 股票， 保险等等）。 购买主体需要是加拿大居民（如果公司购买， 海外股东只能是小股东）
哪些物业可以申请
- Multiple Unit 多户住宅物业
- Student Residence 学生公寓
- Senior Home 老年公寓
- Rental Apartment 出租公寓
Residential & Commercial
Private Loan
私人贷款
Residential Private Loan
住房私人贷款
Commercial Private Loan
商业私人贷款
Funding $100,000-$10,000,000
Private Loan
- Refinances/ Equity Take Out
- Power of Sales
- Debt Consolidation
- Arrears & Collections
- Ontario Wide Lending
- Purchases
- Condos
- Mixed Use
- Multi-Unit Properties
- Rentals
- 1st, 2nd, and 3rd Mortgages
私贷的优势
随着加拿大的贷款政策逐渐收紧，私人贷款（私贷）已成为越来越多房主的选择，为加拿大的房地产市场提供了重要的资金来源。私人贷款的借贷成本略高，但相比银行，它更加灵活、快捷，作为短期过渡借贷，私贷变得越来越重要和受房主的欢迎。
1. 时间效率快：相比银行审批贷款的繁琐流程及系列文件，私贷则非常快捷。一般只需要2-3个工作日就可放款。
2. 对借贷者的要求低：相对于银行类的金融机构，私人贷款机构对客户的要求很低，对客户的信用、收入、债务、职业等不做要求。
3. 很灵活：您可以用来购买房屋、汽车或其他资产、孩子教育、也可以用它来债务整合、资金周转、提高信用评分或应对紧急情况。
私贷的利率
第一贷款：6.99%起
购买房产的第一贷款或者现有房产上没有贷款进行净值套现
第二贷款：8.99%起
现在房产上已经有一个银行贷款的情况下进行二次抵押
第三贷款：请咨询我们
Business Plan For Business Loan
融资商业计划书
A Professional Business Plan Help You Submit A Successful Business Loan Application
- Business Overview & Concept Summary
- Sales & Marketing Strategy
- Ownership and Team Summary
- Start-Up Costs Summary
- 5-Year Financial Forecast Summary
- First 2-year Detailed Financial Forecast