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.

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”.