Administered by Government of Canada · Last verified: July 2026
The Canadian Co-operative Investment Fund was created by Co-operatives and Mutuals Canada to invest only in co-operative enterprises. It provides loans, quasi-equity, and equity to help co-ops grow, bridge cash flow, fund enterprise development, or convert a traditional business into co-operative ownership. It works with co-ops in every province, territory, and sector. This is repayable financing, not a grant.
Review times vary by program, from a few weeks to a few months, so check the official page for its timeline. Grant money is usually paid after you sign a funding agreement, and cost-shared programs often reimburse you once you send proof of what you spent.
Take the 3-minute quiz to find out, and see every other Canadian program you qualify for at the same time.
Check my eligibilityCanadian Co-operative Investment Fund (CCIF) is generally open to incorporated, partnership businesses, in any province or territory. Confirm the full criteria on the official program page before applying.
The estimated value is $50,000 to $1,250,000 in loans, quasi-equity, or equity. The actual amount depends on your eligible costs, the program's budget, and approval.
1. Contact CCIF to discuss requirements and the best investment structure 2. Complete the CCIF application form when invited 3. Provide financials and governance details 4. Negotiate loan or equity terms based on the risk assessment
Continuous intake.