This is an unprecedented time in the world and our business community.
The health and well-being of our business community is our top priority. We are monitoring the novel coronavirus (COVID-19) situation and are committed to offering up-to-date information. The resources and information below are meant to support you in making informed decisions for your business and will be updated as information becomes available.
During the COVID-19 crisis, the landscape of business services is changing by the hour and keeping track of it is challenging. This page is updated frequently. Contact the Western REN directly at firstname.lastname@example.org for navigation supports. The Western REN team commits to a response time of one business day.
We have also organized these resources and supports into an easy to navigate Frequently Asked Questions format
Western REN COVID-19 Supports: Frequently Asked Questions Page
The Benefits Finder is a tool that can help you find Federal and Provincial benefits and services that you may be eligible to receive. It asks a few questions and uses your answers to search. It does not collect or track your information. The more questions you answer, the more customized and accurate your results will be. To find benefits that will help you, click here
How do I maintain a clean and safe environment for my business?
The Canadian Centre for Occupational Health and Safety has released guidance sheets with health and safety tips and good practices for employers and workers, specific to multiple industries: COVID-19 Safety Tip Sheets
The Certified Nursing Assistants website includes a handwashing guide page taken from their training resource materials. It contains handwashing steps that are relevant for the public that will help prevent the spread of infection disease.
Support for Businesses
The Government of Canada has created a COVID-19 Economic Response Plan to help stabilize the economy during this challenging period. Under this plan, there are new programs and measures to support Canadian businesses and workers facing hardship as a result of the outbreak.
Access Financial Support
Both the federal and provincial governments have put policies, programs and initiatives in place to assist small businesses. There is an additional $300 billion in lending capacity by the major banks and the Bank of Canada has cut the interest rate to 0.25%. Looking to access direct lending and other types of financial support?
Contact your financial institution
They will assess your financial situation to provide tailored, flexible solutions including access to the newly announced Canada Emergency Business Account.
Access additional resources
If needed, your financial institution will refer you to Business Development Bank of Canada or Export Development Canada to access the Business Credit Availability Program.
Canada Emergency Rent Subsidy (CERS)
CERS provides direct, targeted, and accessible rent support to organizations without going through landlords until June 2021
- Rend subsidy will be provided directly to tenants
- Organizations temporarily shut down by a mandatory public health order issued by a qualifying public health authority will received a top-up of 25% in addition to the 65% subsidy
For more information on the program click here
Business Credit Availability Program (BCAP)
EDC Loan Guarantee for Small and Medium-Sized Enterprises
- Provides credit and cash flow term loans. Canadian businesses in all sectors that were otherwise financially viable and revenue generating prior to COVID-19 outbreak are eligible to apply
- To be used for operational expenses
For more information please click here. Deadline is June 2021
On February 5, 2021, the Government of Canada announced a $500 million top up to the Regional Relief and Recovery Fund (RRRF) to ensure the program continues to preserve jobs and businesses across the country.
Who can apply to the RRRF?
Businesses and organizations that have either:
- Applied for other federal relief measures and have not been able to secure funds; or
- Accessed COVID-19 relief measures and continue to experience hardship or have ongoing liquidity needs.
Businesses in sectors that are critical to the resilience and survival of Atlantic Canada’s economy, such as advanced manufacturing, ocean industries, clean growth technology, and tourism, may be given priority.
How to apply
- Fill out the RRRF application form online;
- Send us your application form:
- If you are unsure whether the RRRF meets your needs, speak with an ACOA program officer
Businesses heavily impacted by COVID-19 can access guaranteed, low-interest loans of $25,000 to $1 million to cover operational cash flow needs.
Available until June 30 2021
Applications for claim period 11 (December 20, 2020, to January 16, 2021) are now open.
- As of December 4, 2020, CEBA loans for eligible businesses will increase from $40,000 to $60,000.
- Applicants who have received the $40,000 CEBA loan may apply for the $20,000 expansion, which provides eligible businesses with an additional $20,000 in financing.
- All applicants have until March 31, 2021, to apply for $60,000 CEBA loan or the $20,000 expansion.
Support your Employees
Canada Emergency Wage Subsidy
A wage subsidy of up to 75% of salaries for qualifying businesses will be available for up to 3 months. Eligible employers can apply through the Canada Revenue Agency online portal.
Temporary Wage Subsidy
If you do not qualify for the Canada Emergency Wage Subsidy, your business may qualify for a 10% temporary wage subsidy. You do not need to apply for this subsidy.
Employment Insurance (EI)
The one-week waiting period for EI has been waived. Additionally, a medical certificate for EI sickness benefits is no longer required. Workers can apply online through Service Canada.
|How to Apply||Learn More||Apply for EI|
The maximum duration of Work-Sharing agreements has been increased from 38 weeks to 76 weeks. The mandatory waiting period has also been waived so that employers may immediately apply for a new agreement. This is eligible until March, 2021.
Credit available to farmers and the agri-food sector has been increased. An additional $5 billion was announced to increase Farm Credit Canada’s lending capacity to producers, agribusinesses, and food processors.
Temporary changes have been made to EI as of September 27, 2020.
Provides $500 per week up to 26 weeks for workers who have stopped working or had their income reduced by at least 50% due to COVID-19 and who are not eligible for EI
Provides $500 a week for a maximum of two weeks for workers who
- Are unable to work for at least 50% of the week because they contracted COVID-19
- Are self isolating for reasons related to COVID-19
- Have underlying conditions, are undergoing treatments or have contracted other sickness that, would make them susceptible to COVID-19
Provides $500 per week for up to 26 weeks per household for workers who:
- Are unable to work at least 50% of the week because they must care for a child under the age of 12 or a family member because schools, day-cares or care facilities are closed due to COVID-19
- Because the child or family member is sick and/or required to quarantine or is at high risk or serious health implications because of COVID-19
Preparing your Business
It’s important for businesses to have contingency plans in place to manage potential risk. A number of organizations have developed helpful and comprehensive guides to help you prepare:
- Business continuity plan and templates – Business Development Bank of Canada
- FAQs to help small business owners – Canadian Federation of Independent Businesses
Support for Employees, Individuals & the Self-Employed
Canada Emergency Response Benefit
A taxable temporary emergency income support of $2,000 a month for up to 4 months will be available for workers facing unemployment due to COVID-19, including those who are self-employed. The CERB has ended, but retroactive applications for CERB are being accepted until December 2nd, 2020.
Support for Tourism Industry
To keep Nova Scotia’s Tourism Industry up-to-date on how the industry is responding to the COVID-19 pandemic, the Tourism Industry Association of Nova Scotia (TIANS) has developed the Tourism Strong platform. TIANS has also launched a dedicated Facebook page that may provide some additional resources, and an opportunity to discuss the issue with others.
Tourism Nova Scotia has prepared a “What you need to know” page along with a “Frequently Asked Questions” list.
Canada’s Regional Development Agencies are closely monitoring the COVID-19 global challenge and the impact it is having on businesses and workers, as well as the broader economy. The Atlantic Canada Opportunities Agency (ACOA) is this region’s Regional Development Agency. If you are a tourism operator or small- or medium- sized business or organization and have received ACOA funding and COVID-19 is affecting your operations, you are encouraged to contact your local ACOA office to review your situation and provide guidance.
Tourism Human Resources Canada has developed a COVID-19 Tourism Workforce Recovery Toolkit, a practical, no-cost, web-based program that includes tools, downloadable content and presentations, all designed to give tourism operators the knowledge resources they need to rebound and succeed. The curated content presented in the COVID-19 Tourism Workforce Recovery Toolkit leverages myriad public-domain academic and business sources. The Toolkit is dynamic and will be updated and amended on a regular basis to reflect new information and market changes.
Immigration, Refugees and Citizenship Canada (IRCC), along with other government departments and international allies, continues to closely monitor COVID 19 and any impacts on people and operations.
Manufacturers and Innovators Help with COVID-19 Crisis
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- World Health Organization
- Government of Canada
- Province of Nova Scotia
Thank you to our partner organizations the Halifax Partnership and the Cape Breton Partnership for allowing us to adapt their resources pages to match the needs of our community in many sections of the page above.