All SMEs and large enterprises
Agriculture and bio-food
Energy and mines
Health and essential services
Tourism, hotels and leisure
Art and cultural sector
SMEs and large enterprises
Thanks to the Concerted Temporary Action Plan for Businesses (CTAPB), eligible businesses, including cooperatives, NFPOs and social economy enterprises carrying out commercial activities, are eligible for financial support to address the cash shortfall associated with COVID-19 due to:
- a problem in the supply of raw materials or products (goods or services);
- an inability or substantial decreased ability to deliver goods, products or services.
With few exceptions, businesses in all activity sectors are eligible for this program. Financial assistance, of a minimum amount of $50,000, is provided in the form of a loan guarantee, but may also take the form of a loan.
The purpose of the emergency aid for small- and medium-sized businesses program is to support eligible business experiencing financial difficulties that need less than $50,000 in cash.
For information, contact your RCM, your municipality or the organization managing the local investment fund in your RCM.
By registering with the federal CECRA program, business owners must commit to absorbing a 25% loss. The Quebec government will provide additional assistance corresponding to 50% of this loss. Thus, business owners will receive an amount equivalent to 12.5% of their loss from the Quebec government.
To prevent program duplication, the PATT was ended at 4:00 p.m. April 10, 2020. If an application for financial assistance was submitted before 4:00 p.m. on April 10, the file will be processed. This assistance program was introduced on March 16, 2020 for workers who, because they were in isolation to control the spread of the virus, could not earn all their work income and did not qualify for another financial assistance program. On April 6, 2020, the Government of Canada launched the Canada Emergency Response Benefit (CERB), which covers the same needs as the PATT.
The government is introducing the Incentive Program to Retain Essential Workers (IPREW) that will provide a $100 per week benefit to low-income workers working full- or part-time in essential services.
As a result, full-time workers will receive a higher salary than the Canada Emergency Response Benefit.
A six-month moratorium has been introduced for the repayment (principal and interest) of loans already granted through local investment funds. Interest accumulated during this period will be added to the loan balance.
For more information about the FLI, contact your RCM or local fund manager.
This subsidy program allows employers to provide training to their employees during a business’s slowdown or temporary closure.
Note that the PACME’s Enterprises component has reached its financial cap, given the strong demand by businesses. Businesses are asked to contact group sponsors now.
The Ministère du Travail, de l’Emploi et de la Solidarité sociale (MTESS) will analyze the applications received and refer applicants to the program’s Group Sponsors component or to another program that better suits their needs.
Businesses are welcome to consult the list of PACME-accepted Group Sponsor projects. The PACME’s Group Sponsors component will be available until September 30, 2020 or as soon as the budget envelope is exhausted.
Quebec is following the federal government’s lead and will allow businesses to defer, until June 30, their returns and remittances for the QST payments scheduled for March 31, April 30 and May 31, without interest or penalties.
Revenu Québec will accelerate its processing of income tax credit requests for businesses and tax refunds.
Given the COVID-19 situation, Revenu Québec considers that reimbursing an employee up to $500 for computer equipment needed for teleworking primarily benefits the employer and is not a taxable benefit for the employee.
This Quebec assistance will compensate for costs not covered by the Canada Emergency Wage Subsidy and will be in effect until November 21, 2020.
Quebec businesses with a deadline for filing their annual updating declaration between March 13, 2020 and August 31, 2020 will benefit from an extension of the deadline to pay their annual registration fee to the Registraire des entreprises to September 1, 2020.
The general minimum wage will increase to $13.10 per hour as of May 1st (up $0.60) while the minimum wage of workers who earn tips will increase to $10.45 (up $0.40).
The Government of Quebec is therefore moving forward with its December 18th commitment and improving the buying power of low-income workers.
Three temporary easing measures have been implemented to assist administrators of supplemental pension plans and their members.
Extension of deadlines for certain regulatory obligations
The deadline for providing certain documents to Retraite Québec by administrator of supplemental pension plans and pension committees has been extended three months, without penalty.
The deadline for providing the annual information return (AIR) by administrators of Voluntary Retirement Savings Plans (VRSPs) has been extended to September 30, 2020.
Update to the degree of solvency taken into account for payments under defined benefit pension plans
All payments (transfers and refunds) until December 31, 2020 must be determined using the estimated degree of solvency updated as at March 31, 2020 or on the last working day of the month preceding the date on which the value of the member’s benefits was determined.
Relaxation of disbursement rules for locked-in amounts in life income funds (LIF)
It is possible to make a one-time payment out of a LIF equal to 40% of the maximum pensionable earnings, or $23,480 in 2020, regardless of income from other sources.
To promote local purchasing in Quebec, the government is launching LePanierBleu.ca, a non-transactional digital platform designed to list all Quebec retailers and their products under the same banner. Consumers will be able to locate businesses by region online. Merchants can add their business now.
In order to maintain essential air services to remote regions, the government is offering financial assistance to ensure the transportation of goods and patients requiring medical care.
The target regions are: Îles-de-la-Madeleine, Basse-Côte-Nord, Île d’Anticosti, Eeyou Istchee Baie-James, Schefferville and Fermont sectors and Nunavik.
To support scientific and technological projects relating to the pandemic, the province will invest $10 M through the Programme innovation, the Programme de soutien aux organismes de recherche et d’innovation and the Quebec Research Funds.
Quebec Provides $100M for the National Bank SME Growth Fund
This Fund will complement the financing usually offered to SME owners by providing equity or quasi-equity financing. It is intended for SMEs in all sectors of activity that have reached various development stages.
This growth fund is being financed through a $100M investment from the Government of Quebec and the same amount from National Bank and private investors, for a total of $200M.
Agriculture and bio-food
The government has put four aid measures in place to support farmers at the time of planting and harvesting:
- A $100 bonus will be offered to seasonal farm workers for a minimum work benefit of 25 hours per week;
- Creation of a worker travel program that takes distancing rules into consideration;
- Establishment of field squads to support producers in training new workers;
- Financial support to the 12 agricultural employment centres to facilitate the matching of farm businesses and workers.
Here are some measures put in place by the Financière agricole du Québec (FADQ) to support farm producers:
Six-moratorium on loan repayments for La Financière agricole clients who apply for it.
Crop Insurance Program (ASREC): dates postponed
The enrolment date for the Crop Insurance Program (ASREC) is extended from April 30 to July 1, 2020.
Farm Income Stabilization Insurance Program (ASRA): payments and advances for the cattle, hog and sheep sectors
No notices of assessment will be sent before July 1st. Additionally, final payments for the 2019 insurance year will be made in April for the cattle and hog sectors and in May for the sheep sector, as scheduled. The second advance for cereal and canola compensations will be paid in April.
Loan of up to $50,000 to support cash flow needs
A loan of up to $50,000 can be quickly granted by the FADQ with a possible ten-year repayment term and a 12-month capital payment relief.
Early investment grant payments
Investment grant payments scheduled for June 1st will be made on May 1st. These payments relate to the following programs:
Support for Diversification and Regional Development Program (PDDR);
Support for Québec Farm Business Development Program (PADEAQ); and
Program to Support Funding of Animal Welfare and Energy Efficiency Investments (PSFI).
AgriStability: insurance and income protection
It is possible to obtain interim AgriStability payments. Interim payments will increase from 50% to 75% of program benefits. The deadline to apply and make a contribution payment is postponed to July 3, 2020.
These additional measures can be viewed here.
Quebec is launching an initiative to offset the decrease in spring orders to fish farms due to the uncertainty caused by the crisis. This financial support is intended for companies in the freshwater aquaculture sector and for customers who purchase fish to promote the sale of fish for stocking to private customers, thereby reducing the inventories of aquaculture companies supplying the stocking market.
In addition, the federal government announced that it was joining forces with the Quebec government to support Quebec fish farmers.
This initiative supports Quebec mariculture producers who wish to renew their equipment or facilities. Assistance may be up to 35% of eligible expenses for these projects, to a maximum of $150,000 per project, except for mariculture producers in the Magdalen Islands, who may obtain up to 45% of eligible expenses, to take into account this region’s special character.
Quebec is providing $50,000 to the Association des marchés publics du Québec (AMPQ) to launch a transactional digital platform for the purchase of local products, which will be operational as of May 16.
Postponement of payments for harvested volumes
The government is postponing until September 2020 the billing of volumes harvested from public forests in March 2020 and subsequent months. Invoicing will subsequently be spread over the rest of the year 2020-2021.
Safer workplace: assessment of additional costs
The timber marketing board (known by its French acronym BMMB) is assessing the additional costs generated by the implementation of measures to ensure the safe execution of silvicultural work in the forest. These costs will be added to the silvicultural work tariff grids for the 2020-2021 year.
Quebec is accelerating payments under this program to support the forestry sector, which, as a result, will have more liquidities to invest in the forest road network and help stimulate the economy.
Accordingly, 60% of the annual envelope will now be allocated to recipients when the eligibility conditions are met, 30% when the work progress report is filed and 10% when the work is completed and complies with the requirements of the Ministère des Forêts, de la Faune et des Parcs.
Energy and mines
The Quebec government suspends the validity period for all mining claims in effect throughout the province, for a 12-month period starting April 9, 2020. This measure extends the deadlines for regulatory work deposit obligations and allows companies in this sector to maintain their mining rights.
The Ministère de l’Énergie et des Ressources naturelles has extended the deadline for switching to summer gasoline to June 30, 2020. This will allow refiners, importers and distributors of petroleum products to be able to clear their inventories while beginning to produce and store lower volatility gasoline for the summer period.
Health and essential services
Private sector health care attendants will benefit from a temporary $4 per hour wage increase (retroactive to March 13, 2020) as a result of the increased workload caused by the coronavirus.
In the public sector, health care workers in the emergency, intensive care and long-term care sectors, among others, will receive a temporary 8% bonus. Other health care sector workers, such as technicians and cleaning staff, will receive a 4% bonus.
New measures were announced on May 7th for full-time employees of Quebec CHSLDs and some Montréal hospital workers
Full time employees of CHSLDs will receive $100 per week and additional bonuses will be offered to those who work fulltime in an infected CHSLD, i.e., $200 more after two consecutive weeks and $400 more after four consecutive weeks.
The measures will also apply to hospitals in Greater Montréal hot zones for certain jobs: clinical and auxiliary nursing staff, inhalation therapists, patient service associates, health and social services auxiliary staff, service assistants and maintenance staff.
These subsidies will also be provided to intermediary resources (IR) and family type resources (FTR), private CHSLDs and seniors homes.
Health sector employees from another region who agree to work temporarily in areas considered to be hot zones, that is, Montréal, Laval or Montérégie, will receive $2,000 per month which can be in addition to the bonuses.
This additional financing will boost the Employee Assistance Program (EAP) to meet increased needs given the current context. All network employees and managers will be entitled to three additional psychological support sessions in addition to the five or six already provided per 12-month period.
Businesses in essential sectors affected by COVID-19 can now use a new section on the Québec.ca site to post information on urgent workforce needs.
Emergency daycare services are special services reserved exclusively for children of health care and essential services personnel who have no other alternatives.
Non-subsidized daycare centres and managers of recognized non-subsidized daycare centres will receive assistance to cover, among others, lower income due to the educator-child ratios. Quebec already paid $30.5M to non-subsidized daycare centres from March 16 to May 21, 2020 to cover a portion of their fixed costs, i.e., $5.95 per day per spot. The amount will be increased to $10.10 per spot when the daycares reopen (either May 11th or 25th). This assistance will apply until June 19, 2020.
Workers from member social economy enterprises are encouraged to help beneficiaries in various living environments, including CHSLDs. Homecare workers in the EÉSAD will receive a $4 per hour salary increase. EÉSAD workers in homecare environments will receive an 8% increase.
The Quebec government offering emergency financial assistance of more than $133M to housing resources for seniors and vulnerable people.
The assistance is divided as follows:
- $40M will be allocated to certified private seniors’ residences (PSR);
- $20M will be allocated to non-subsidized private CHSLDs;
- $73M will be allocated to intermediary resources (IR) and family type resources (FTR).
This measure is being put in place to ensure the continuity of public transit services despite the pandemic. Half of this amount could come from the federal government following the payment to Quebec of the sums recently announced by Ottawa.
This measure was introduced to support national and regional community organizations in making up their self-financing shortfall for the period of March 13, to September 30, 2020. The support is for organizations that qualify for the Programme de soutien aux organismes communautaires (PSOC) and have maintained their activities or wish to restart them.
These sums are intended for international cooperation organizations (ICO) to ensure the continuity of their activities. Furthermore, a call for proposals will be issued to provide support to ICOs in Quebec and help implement projects to reduce the effects of COVID-19 in vulnerable countries.
This assistance is granted to community mental health organizations to support their services to the population.
Quebec grants additional funding, through the CIUSSS and CISSS, to private or community resources offering addiction lodging. This assistance will cover additional costs relating to the pandemic such as the purchase of health equipment, hiring of resources and payment of overtime, and maintenance, surveillance and food costs.
The Quebec government is providing emergency financial assistance to meet the additional needs of regional and provincial community organizations. This assistance will be available to cover excess costs incurred as a result of the pandemic, such as purchasing sanitary supplies, hiring resources and overtime.
The Centres intégrés universitaires de santé et de services sociaux (CIUSS) will distribute funding to community organizations in the areas of food, shelter, volunteer transportation and health services.
The government is adding $5M to support family community organizations (OCF) and organizations providing community drop-in centre activities (OC-HGC). The purpose of this assistance is to assist and continue to monitor vulnerable families during the pandemic while covering the additional costs of implementing the Direction de la santé publique’s guidelines.
This additional assistance, provided through the CIUSS and CISSS, will be used to meet the increased needs of agencies providing help and shelter for women who are victims of domestic violence and abused women. It may cover, for example, accommodation and transportation costs, as well as the payment of overtime.
Quebec is setting aside $1M from the Mille et UN Fund to help youth organizations during their funding campaigns. The assistance provided will range from $5,000 to $50,000 and will be a maximum of 50% of the goal. The first payment will be made when the organization has achieved 50% of its crowdfunding goal and the second one at the end of the campaign.
Tourism, hôtels and leisure
A new plan for supporting tourism businesses has been announced, including the following main measures:
- Loan and preferential loan guarantees for businesses under the Concerted Temporary Action Program for Businesses (CTAPB);
- Creation of the Programme d’appui au développement des attraits touristiques (PADAT) to finance hotel renovation or upgrading through preferential loan terms;
- Increased assistance for the Ententes de partenariat régional en tourisme;
- Funds injected into a program created by the Agences réceptives et forfaitistes du Québec to stimulate the demand for Quebec products;
- Subsidies granted equivalent to the amount of the tax on tourist accommodation paid by hotels and bed & breakfasts for the first quarter of 2020.
Businesses that received confirmation of financial assistance under the PSSDT will benefit from a deferral of the work start or end date.
The Department will also allow deferrals for companies whose project financing arrangements must be completed within a prescribed time frame.
In order to provide tourist accommodation establishments with cash, the Quebec government is deferring the payment of the lodging tax for the first quarter of 2020 until July 31, 2020.
Since March 28, 2020, the Corporation de l’industrie touristique du Québec has suspended the billing of annual fees for holders of a classification certification. No penalty will be imposed on the holders concerned and no certification will be cancelled.
In order to allow private and municipal day camps to open this summer in compliance with public health measures, the Quebec government has confirmed financial assistance of $11 M to hire staff and meet the challenges related to their operations in the context of the pandemic.
In addition, the additional costs associated with holding municipal camps will be considered during the current fiscal year assessing the impacts of COVID-19 on municipalities.
The amounts set aside in the 2020-2021 budget for the sharing of premises between municipalities and schools may also be used for the use of these premises for day camps.
Organizations receiving financial assistance for tourism festivals and events for the 2020-2021 summer-fall period will receive their first installment, or 80% of the total subsidy amount, whether or not their activities are maintained. They will receive their second installment – up to 20% of the financial assistance – according to the amount of expenses incurred at the time the event is cancelled.
Art and cultural sector
In order to stimulate artistic creation and support cultural organizations and artists affected by the crisis, the Government of Quebec has presented a recovery plan for the cultural sector. It intends to inject nearly $290 M in 2020-2021, including $110 M in additional investments for the current fiscal year.
In particular, the plan aims to:
- support film and television production ($91.5 M);
- support cultural businesses and organizations in resuming their activities ($71.9 M);
- support innovation and creation in the performing arts (theatre, dance, circus, music, etc.) ($50.9 M);
- increase the envelopes for the music sector for the implementation of innovative projects ($33.5 M);
- give the cultural community the means to achieve its digital ambitions ($14 M);
- promote Quebec culture and large-scale projects ($13 M);
- support artists and writers in their creation ($6.5 M);
- enhance existing financial assistance to revive artistic and cultural festivals and events ($5.9 M);
- document the effects of the pandemic on the cultural community and support smaller real estate and equipment acquisition projects ($2.2 M).
In addition to improving its financial assistance for the circus community, the CALQ is introducing two new financial assistance measures to help produce and present circus shows:
- Support for the presentation of shows before an audience, while complying with the rules of physical distancing in effect;
- Support through the Digital Exploration and Deployment program, whose envelope has been increased, for projects to adapt existing works for digital distribution.
For more information, refer to this detailed document on the recovery plan.
Support for the fine crafts is increased by nearly 55%, representing an additional $1.2 million allocated to the Société de développement des entreprises culturelles (SODEC). This additional assistance will be used to enhance the regular grants to businesses in the fine crafts industry and to increase the sums earmarked for programs specific to the fine crafts.
The purpose of this program is to support businesses with temporary cash problems with renewable credits, loans and loan guarantees.
Eligibility criteria include: be a legally incorporated for-profit or not-for-profit entity that works primarily in the SODEC’s fields of activity.
- Accelerated payment of subsidies under some of its regular programs;
- Advance payment of the second instalments of grants under certain regular programs in the book, music and variety, arts and crafts, film promotion and distribution, international affairs and export sectors;
- All grants to organize or participate in a national or international event that has been postponed, modified or cancelled due to COVID-19 will be evaluated;
- Postponement, for a three-month period beginning March 16, 2020, of the repayment of loan capital and interest for all companies financed in direct loans by SODEC’s business bank.
At this time of the COVID-19 crisis, SODEC’s Film and Television Production Branch is granting an extension to applicants wishing to submit a project under the following programs and components:
- Emerging creating assistance program: the March 25th filing date is postponed to April 15, 2020;
- Production assistance program (Part 3) Selective assistance for the production of medium- and feature-length documentaries – unique productions: the April 8th deadline is postponed to April 29, 2020;
- Screenwriting Assistance Program – Component 1 | Selective Assistance to Production Companies: the April 29th deadline has been postponed to May 13, 2020.
The [email protected]ès portal is here.
The Société de développement des entreprises culturelles (SODEC) will allocate $6.8M more than last year to the book sector, for a total of $14.1M. This additional funding will enhance assistance programs for publishing and bookstores, in addition to supporting the development of new projects. SODEC will also make programs for the book sector available online, under modified and more generous parameters.
Program to Assist in the Resumption of Film and Television Activities
The provincial government is allocating $51 million to this temporary assistance program. The program will simplify the financial arrangements for filming and make it possible to resume preparation, production, post-production and dubbing activities in the film and television industry.
Here are the main measures that apply to Ontario workers and employers:
Ontario government commitment to workers
The government is committing $100 million in funding through Employment Ontario for skills training programs for workers affected by the COVID‑19 outbreak.
Employer Health Tax
The government is cutting taxes by $355 million for about 57,000 employers by proposing a temporary increase to the Employer Health Tax (EHT) exemption from $490,000 to $1 million for 2020. With this plan, more than 90% of private-sector employers would not pay EHT in 2020.
Regional Opportunities Investment Tax Credit
To support business investments in regions of the province where employment growth has been significantly below the provincial average, Ontario is proposing a new 10% refundable Corporate Income Tax credit.
$6 billion in tax deferrals
The government is providing a five-month (April 1, 2020 to August 31, 2020) interest and penalty-free period for businesses to make payments for the majority of provincially administered taxes.
$1.8 billion in education property tax deferrals
The government is deferring the property tax payments municipalities make to school boards by 90 days.
$1.9 billion in workplace safety expenses
The Workplace Safety and Insurance Board (WSIB) will allow employers to defer payments for a period of six months. In addition, no interest will be accrued on outstanding premium payments and no penalties will be charged during this six-month deferral period.
The government is suspending time-of-use pricing until October 31
The province is suspending time-of-use pricing until October 31 and has been uniformly applying a new flat rate of 12.8¢/kWh since June 1, including for small businesses and agricultural businesses.
Benefits for childcare and emergency daycare services
- One-time payment of $200 per child up to 12 years and $250 for those with special needs;
- Emergency childcare options to support parents working on the front lines, such as health care workers, police officers, firefighters and correctional officers.
The government is investing over $37 M to support outbreak planning, prevention and mitigation efforts to ensure the health and well-being of Indigenous people and communities.
The investment will be allocated to an emergency fund and among various support organizations to meet essential needs and provide, among others, food, care and transportation, ensure housing services for Indigenous people and maintain services for remote airports.
The 2020 Employment Standards Amendment Act (Infectious Disease Emergencies) provides job-protected leave to employees in isolation or quarantine due to COVID-19, or those who need to be away from work to care for children because of school or daycare closures or to care for other relatives. Find out more.
The AIEC-EP Program offers a one-time, on-bill credit for small businesses and registered charities affected by COVID-19 to help them catch up on their energy bills. The amount can be up to $425.
The Ontario government is deferring $15 million in property taxes for people and businesses in parts of Northern Ontario located outside of municipal boundaries.
Under this initiative, taxpayers in unincorporated areas will have 90 extra days to pay without incurring interest or penalties.
The government is working with Ontario Community Support Association (OCSA) to launch a Community Support Program to expand Meals on Wheels services for low-income seniors and people with disabilities and chronic medical conditions.
The program will also develop organizations’ capacity to deliver medication and other essentials.
The Ontario Government has announced a plan to support child care service providers, in particular:
- Supporting fixed childcare operating costs;
- Waiving childcare licensing applications, renewal and revision fees for licensed childcare centres, extending childcare licenses that will expire during the emergency period;
- Protecting existing base funding for licensed childcare agencies, and regular funding and wage enhancement grant funding for childcare providers who have remained active during the emergency closure.
The governments of Ontario and Canada are investing $2.25M to help meat processing plants better protect their employees. The funds will be used to purchase additional personal protective equipment, redesign workstations, support employees who require mandatory isolation and ensure worksite mobility and transportation.
In order to offset the workforce problems in the agri-food sectors and keep the supply chains strong, the governments of Canada and Ontario are investing $1M to support matching employers and workers in that sector. Applications will be accepted immediately and the approval process will be expedited.
The funding will help cover the increased costs of feeding market ready cattle and hogs due to COVID-19 related processing delays, while redirecting surplus pork products to help those in need.
The governments of Canada and Ontario have announced they are investing $2.5M to help the agri-food sector (producers, retailers, garden centres, greenhouses and agricultural associations) grow its online business.
There are two funding streams:
- Bring Your Business Online: grant of up to $5,000 for organizations and businesses that want to establish an online e-business;
- Develop Online Business Opportunities: cost-share funding of up to $75,000 to implement higher-impact e-business projects.
This financial assistance will be used to expand camp facilities, add kitchens and purchase personal protective equipment, plastic partitions for transporting workers and more wash stations in order to comply with health and safety measures.
The Ontario government is deferring a portion of global adjustment (GA) charges for industrial and commercial electricity consumers who do not participate in the Regulated Price Plan (RPP). This temporary measure will provide relief on their electricity bills for the months of April, May and June 2020.
Businesses that have questions about the recent Ontario emergency decree can call 1-888 444-3659 toll-free. The line is open seven days a week from 8:30 a.m. to 5:00 p.m.