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Eligibility Criteria

To apply for a micro-loan, you:

  • Must be a Canadian citizen or Permanent Resident;
  • Must be a resident of Ontario;
  • Must be 18 years of age or older;
  • Must own 51%+ of your business (or in the case of a partnership, all partners must be willing to co-sign for loan);
  • Must use the loan to start or expand your business (cannot be used to pay off debt);
  • Must demonstrate difficulty obtaining credit through a traditional financial institution.

Desirable Assets (not required, but highly beneficial):

  • You have completed, or are currently enrolled in, a relevant business training program
  • You are currently operating a business and are able to supply supporting documentation of business activities
  • You have past experience in a similar business or profession

Click here to see a list of programs and resources available in Toronto.

To apply for a micro-loan, your business:

  • Must be located in the Greater Toronto Area (GTA)
  • Must offer a product or service
  • Must be legally registered (sole proprietorship, partnership or corporation)

To apply for a micro-loan, you must submit your:

  • Application Form
  • Business Plan
  • Projected Cash Flow (1 year)

If you meet all of our eligibility requirements, please Apply For A Loan today.


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Over 1/3 of all Canadian SMEs (small and medium-sized enterprises) are owned by women.

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