Administered by Government of Nova Scotia · Last verified: July 2026
This Nova Scotia program, delivered through participating credit unions, helps small businesses access financing they might not otherwise qualify for. The province guarantees up to 90 percent of term loans and up to 75 percent of lines of credit (90 percent under special streams), with financing available up to $500,000. Most business types qualify except real estate, taverns, and ethically or legally questionable ventures.
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 eligibilityNova Scotia Small Business Loan Guarantee Program is generally open to incorporated, self-employed, partnership businesses, in Nova Scotia. Confirm the full criteria on the official program page before applying.
The estimated value is Loans, working capital, and lines of credit up to $500,000, with a provincial guarantee up to 90%. The actual amount depends on your eligible costs, the program's budget, and approval.
1. Contact a participating Nova Scotia credit union 2. Prepare a business plan and financials 3. Apply for the guaranteed loan, line of credit, or working capital through the credit union
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