Retail & E-commerce in Ontario
88 programs
for retail & e-commerce businesses in Ontario.
Federal programs available across Canada, plus Ontario-specific and retail & e-commerce-focused programs your business can apply for.
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Ontario programs designed specifically for retail & e-commerce.
Toronto Commercial Façade Improvement Grant
GRANT50% of costs up to $12,500, plus up to $2,500 for AODA upgrades and bonuses for multi-unit properties
Toronto Commercial Space Renovation Grant
GRANT50% of costs up to a $20,000 base grant, plus up to $4,000 for AODA upgrades and more for multi-unit properties
Rural Ontario Development (ROD) Program
GRANTBusinesses: up to $10,000 (35% cost-share); community streams up to $250,000
Hamilton Commercial District Revitalization Grant
GRANT50% matching grant for eligible work
London Core Area Facade Improvement Loan
INCENTIVE50% of costs up to $50,000, 0% interest over 10 years (portion may be forgivable)
Kitchener Downtown Facade Grant
GRANT50% of costs, up to $10,000 per storefront ($30,000 multi-storefront, $20,000 corner)
Brampton Central Area Facade and Building Improvement Grants
GRANTUp to $30,000 per program (facade plus building up to $60,000), 50% of costs
Grants
30Canada Job Grant
Up to $10,000 per employee
Futurpreneur Canada Startup Loan
Up to $25,000
CanExport SMEs
Up to $50,000 (50% of eligible costs)
NRC Industrial Research Assistance Program (IRAP)
Up to $50,000 (SME stream)
Women Entrepreneurship Strategy (WES) Ecosystem Fund
Up to $100,000
Youth Employment and Skills Strategy
Up to $30,000 per youth hired
Student Work Placement Program (SWPP)
Up to $7,000 per student
Mitacs Accelerate
$10,000 per 4-month internship
FedDev Ontario Business Scale-Up
Up to $10,000,000 (most awards much smaller)
FedNor Northern Ontario Development Program
Up to $500,000 (most awards under $100K)
Mitacs Business Strategy Internship
50% of intern stipend, up to $7,500 per internship
NACCA Aboriginal Business Financing Program (ABFP)
Up to $99,999 (sole proprietor) or $250,000 (corporation)
Indigenous Tourism Association of Canada Grants
Up to $25,000 per stream
Toronto Commercial Façade Improvement Grant
50% of costs up to $12,500, plus up to $2,500 for AODA upgrades and bonuses for multi-unit properties
Toronto Commercial Space Renovation Grant
50% of costs up to a $20,000 base grant, plus up to $4,000 for AODA upgrades and more for multi-unit properties
Mississauga Starter Company Plus (MBEC)
Micro-grant up to $5,000 (requires 25% applicant contribution)
Starter Company Plus
Up to $5,000
Summer Company
Up to $3,000
Ontario Together Trade Fund
Cost-shared funding, up to $5 million per project
Rural Ontario Development (ROD) Program
Businesses: up to $10,000 (35% cost-share); community streams up to $250,000
Hamilton Commercial District Revitalization Grant
50% matching grant for eligible work
Kitchener Downtown Facade Grant
50% of costs, up to $10,000 per storefront ($30,000 multi-storefront, $20,000 corner)
Brampton Central Area Facade and Building Improvement Grants
Up to $30,000 per program (facade plus building up to $60,000), 50% of costs
VAC Education and Training Benefit
Up to roughly $99,000 lifetime, with up to about $6,300 reserved for short courses
VAC Rehabilitation Services and Vocational Assistance Program
Covers approved training and re-establishment costs; can pair with the Income Replacement Benefit at 90% of pre-release salary
Opportunities Fund for Persons with Disabilities (Employer Wage Subsidy)
Wage subsidy negotiated with the local delivery agent; program guidance averages about $12,000 in supports per participant
Enabling Accessibility Fund: Small Projects Component
Up to $125,000 per project (recent small projects calls); some calls have set higher per-project ceilings
Aboriginal Entrepreneurship Program: Access to Capital
Up to $99,999 for individuals; up to $250,000 for community businesses
Aboriginal Entrepreneurship Program: Access to Business Opportunities
Up to $500,000 per recipient per year; up to 100% of eligible costs
CWCF Technical Assistance Grants
Up to $4,000 per grant
Tax Credits
7GST/HST Input Tax Credits (ITCs)
5–15% back on all business expenses
Ontario Innovation Tax Credit (OITC)
8–12% of eligible R&D expenditures
Ontario Regional Opportunities Investment Tax Credit
10% of eligible capital costs
Provincial R&D Tax Credits
3.5–30% of eligible R&D costs
Ontario Research and Development Tax Credit (ORDTC)
3.5% of eligible R&D expenditures
Medical Expense Tax Credit (Business Owner)
15% federal + provincial portion of eligible medical expenses
Co-operative Education Tax Credit
25-30% of wages, up to $3,000 per work placement
Deductions
18Small Business Deduction (SBD)
Up to $30,000 per year in tax savings
Home Office Expense Deduction
Typically $3,000–$12,000 per year
Motor Vehicle Expense Deduction
Typically $4,000–$15,000 per year
Accelerated Investment Incentive (AII)
30–100% of asset cost in year 1
Business Meals & Entertainment Deduction
50% of all qualifying expenses
Zero-Emission Vehicle 100% Deduction
Full vehicle cost in year 1 (up to $55,000+)
Eligible Capital Property Deduction (Class 14.1)
5% of eligible capital costs per year
Education and Training Expense Deduction
100% of qualifying training costs
Canadian Advertising Deduction
100% of qualifying ad spend
Bad Debt Deduction
100% of uncollectible receivables
Professional Fees Deduction
100% of qualifying fees
Trade Show, Conference, and Certification Deduction
100% of event costs (excluding meals)
Provincial Small Business Tax Rate Reduction
Up to 15% combined effective rate savings
Lifetime Capital Gains Exemption (LCGE)
Up to $1.25 million in tax-free gains (2026, indexed to inflation)
Individual Pension Plan (IPP) for Owner-Managers
$10K to $40K+ extra annual deductions vs RRSP
Shareholder Loan Interest Deduction
Variable: based on loan amount and rate
Incorporation and Reorganization Costs
100% of qualifying costs
Worker Co-operative Capital Gains Exemption
Up to $10,000,000 in capital gains exempted from tax
Incentives
33BDC Growth & Transition Capital
Up to $5,000,000
Canada Small Business Financing Program (CSBFP)
Up to $1,000,000 in financing
Procurement Strategy for Indigenous Business (PSIB)
Access to ~$1.5B annual federal procurement set-aside
Women Entrepreneurship Loan Fund
Up to $50,000 loan
Black Entrepreneurship Loan Fund (FACE)
Loans from $10,000 to $250,000
BDC Commercial Real Estate Loan
Up to 100% of property value (with partner lender)
BDC Purchase Order Financing
Up to 100% of fulfillment cost per order
BDC Working Capital Loan
Up to $250,000 with no fixed asset
London Core Area Facade Improvement Loan
50% of costs up to $50,000, 0% interest over 10 years (portion may be forgivable)
Waubetek Indigenous Business Financing
Term loans up to $500,000; ABFP financing up to $250,000
Metis Voyageur Development Fund (Ontario Metis)
Financing up to $1,500,000 plus non-repayable business plan support
IWSCC Veteran-Owned Business Certification
Certification costs $500 per year; opens access to corporate and government supplier diversity procurement
CFMWS HERCS Entrepreneur Workshop
$0 fee (free workshop); covers small business startup and financing fundamentals
IWSCC Disabled-Owned Business Certification
Certification costs $500 per year; opens access to corporate and government supplier diversity procurement
Futurpreneur Newcomer Startup Program
Up to $25,000 in loans plus two years of mentorship
Indigenous Women Entrepreneurship (IWE) Program
Microloans up to $50,000 plus advisory support
Indigenous Youth Entrepreneurship (IYE) Program
Up to $75,000 in combined loans and grants
Canadian Co-operative Investment Fund (CCIF)
$50,000 to $1,250,000 in loans, quasi-equity, or equity
CWCF Tenacity Works Fund
$15,000 to $50,000 term loans
Social Finance Fund (SFF)
Repayable investment capital (part of $400M+ deployed through intermediaries)
Social Finance Fund: Boann Social Impact
$154,000,000 deployed nationally through impact funds and intermediaries
Social Finance Fund: Realize Capital Partners
Part of $400M+ SFF capital deployed through intermediaries
WEOC National Loan Program
Up to $50,000
BDC Inclusive Entrepreneurship Loan
Up to $350,000
Electric Vehicle Affordability Program (EVAP)
Up to $5,000 per vehicle (up to 10 vehicles for a business)
Save on Energy Small Business Program (Ontario)
Up to $3,000 lighting plus up to $2,500 non-lighting equipment, installed free
Save on Energy Retrofit Program (Ontario)
Up to 50% of project cost; custom track $1,800/kW or $0.20/kWh
PARO Prosper Peer Lending Circles (Ontario)
Peer lending circle loans of $1,000 to $5,000
Waubetek Aboriginal Business Financing (North-Eastern Ontario)
Up to $250,000 interest-free repayable financing (up to $20,000 women's stream)
Métis Voyageur Development Fund (Ontario)
Business financing up to $1,500,000
Enbridge Gas Commercial Energy Efficiency Incentives (Ontario)
Up to 50% of cost (prescriptive) or 75% (custom), to $100,000 per project; small business up to 100%
Zero Emission Vehicle Infrastructure Program (ZEVIP)
Up to 50% of project costs, max $2,000,000 per project (75% for Indigenous organizations)
Ready, Willing and Able (RWA) Employer Program
$0 cost to employers (federally funded program, roughly $30M to 2027)
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