Aboriginal Entrepreneurship Program — Access to Capital / Business Financing Program | Indigenous business financing

At a glance

AdministratorIndigenous Services Canada via Indigenous Financial Institutions (IFIs)

Maximum amountTypically up to $99,999 contribution for individuals/incorporated businesses; up to $250,000 for community-owned businesses; loan limits vary by IFI

Funding typeLoan + conditional non-repayable contribution + advisory services

IntakeGenerally year-round, subject to local IFI budgets

Decision timelineNot publicly guaranteed; ask administrator

Who it may support

First Nations, Inuit and Métis entrepreneurs; Indigenous-owned SMEs; community-owned enterprises

Indigenous eligibility

Normally at least 51% Indigenous ownership/control; local IFI rules apply

Eligible uses

Capital assets, start-up/expansion costs, business planning, feasibility, marketing, support/aftercare

Business stage

Start-up, acquisition, expansion, modernization

What to prepare

Application form; Indigenous identity/ownership evidence; business plan; project budget and quotes; 2–3 year financial statements or opening balance sheet; 12–24 month cash-flow forecast; personal net-worth statement for owners/guarantors; incorporation/registration documents; ownership chart; résumés; financing confirmations; permits/leases as applicable

Application process

Confirm fit with program officer; complete intake/application; submit documents and financing plan; respond to due diligence; receive approval/conditions; sign agreement; claim/disburse funds and report

Financial considerations

Owner equity: Often 10% minimum; varies

Collateral and credit: Loan portion subject to viability, security and credit assessment

Stacking: Usually permitted subject to total government-assistance limits; disclose all sources

This directory summarizes public program information for discovery and is not financial advice or a determination of eligibility. Programs and budgets can change without notice.