We’re here to help your business

To ensure small businesses and not-for-profit organizations impacted by COVID-19 have the money they need to cover operating costs, the Canada Emergency Business Account (CEBA) program is providing $60,000 loans for new qualified applicants, and top-up loans of $20,000 for businesses and organizations who have already received the initial $40,000 CEBA loan.

Before applying for a CEBA loan, there are three things you need to do:

  1. Read this article to understand the program details, repayment terms, and eligibility requirements.
  2. Complete the CEBA Pre-Screen Tool to see if you meet the CEBA criteria.
  3. If you don't already have a Business Advantage Account or Manulife One for Business Account, you must open one before applying. To open an account, speak with your advisor or find one here.

Note: if you are an owner or signing authority for multiple businesses and would like to apply for a CEBA loan for each business, please submit a separate application for each.

Start your CEBA loan application

There are three application streams, depending on your business’s CEBA application history, your total wages paid in 2019, and your non-deferrable expenses.

The CEBA loan top-up stream is only for businesses who have already received a CEBA loan of $40,000.

The non-deferrable expenses stream and payroll stream are for the full $60,000 CEBA loan, and are only for businesses who haven’t already received a CEBA loan. These two streams are based on your business’ total wages paid in 2019 and your non-deferrable expenses. Both of these streams are for the same loan amount, but are separated to ensure your application is processed correctly.

Complete your CEBA loan application below, and after you apply, you can check the status of your application here. If your application is approved, the money will be deposited into your account within 8 business days.

CEBA loan top-up stream

  • You previously received a CEBA loan
  • You are only applying for the additional $20,000 CEBA loan

Non-deferrable expenses stream

  • Your 2019 payroll was between $0 and $19,999
  • Your non-deferrable expenses were between $40,000 and $1,500,000

Payroll stream

  • Your 2019 payroll was between $20,000 and $1,500,000
  • You must provide a 15-digit Business Payroll Number, which includes “RP”. We can’t accept payroll numbers with “RC” or “RT”.