Navigate Resources & Programs

Confused about the programs available and how to access them? Get support navigating government programs and resources.

Both the federal and provincial governments have put policies, programs and initiatives in place to assist businesses that are facing hardships due to COVID-19. These resources are here to help you in navigate these new supports and stay informed.


The Government of Canada has created a COVID-19 Economic Response Plan with new programs and measures to support businesses facing hardship.

The Province of Nova Scotia has several supports for businesses including grant programs, special measures, fee deferrals and more.

Financial Support

1. Contact your financial institution

They will assess your financial situation to provide tailored, flexible solutions including access to the Canada Emergency Business Account, Co-lending Program, and Business Credit Availability Program.

2. Get financial planning advice

For customized financial guidance tailored to your needs, call the Business Resilience Service at 1-866-989-1080. Speak with a business advisor seven days a week, from 9 am to 9 pm.

3. Apply for Additional Funding

If your business continues to experience hardship, you can apply to the Regional Relief and Recovery Fund through the Atlantic Canada Opportunities Agency (ACOA).

Ask your landlord about CERCA

The Canada Emergency Commercial Rent Assistance (CECRA) provides relief for commercial small businesses experiencing financial hardship due to COVID-19. Property owners can get a forgivable loan from April to July if they lower the rent by 75% for business tenants.

Additional Support

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Tax Flexibility

The Canada Revenue Agency will allow all businesses to defer, until after August 31, 2020, the payment of any income tax amounts that become owing on or after March 18, 2020 and before Sept 2020.

Provincial Fee Deferral

Many provincial program and service fees have been deferred until June 30, 2020. This includes workers compensation premiums and licence, permit, registration, renewal and service fees.

HST and Customs Duties Deferral

Businesses, including self-employed individuals, can defer payments of HST until June 30, 2020, as well as customs duty owing on imports. The deferral is for any sales tax payments from March 27 to May 31.

Work-Share Program Extension

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.

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 24 weeks. Eligible employers can apply online through the Canada Revenue Agency.

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. Plus, a medical certificate for sickness benefits is no longer required. Workers can apply online through Service Canada.

Navigate Programs

Quickly learn what government support programs your business is eligible for through our simple online survey. We make it easy by asking a few questions then suggest which program(s) you should consider applying for.

Reach out to us

Minder Singh

Senior Account Executive, Commercialization, SmartBusiness Program


Need Support? Our team can help.

Thank you for reaching out. Minder will respond to your request as soon as possible.



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