Financing programs for non-profits and charities

We track 8 financing programs for non-profits and charities that are open or ongoing right now. 5 of the open or ongoing programs publish a figure of $100K or more. They are ranked below by our 0 to 100 score, which weighs how much a program pays against how hard it is to win; last checked Oct 29, 2026.

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Ranked programs

8 open, ongoing or intake-based programs, best score first.

  1. FedDev Ontario - Regional Tariff Response Initiative (RTRI)

    FedDev Ontario

    Liquidity assistance and pivot-project funding for southern Ontario businesses hurt by U.S. tariffs. Non-repayable for smaller amounts, repayable for large...

    OpenFederalGrantsUp to $20M
    54
    Top pick

  2. Women Entrepreneurship Strategy (Loan Fund, Ecosystem Fund, Knowledge Hub)

    Innovation, Science and Economic Development Canada (ISED) and regional development agencies (FedDev Ontario in southern Ontario)

    The Women Entrepreneurship Strategy (WES) funds supports for women entrepreneurs through the Women Entrepreneurship Loan Fund (loans up to $50,000 via selected delivery...

    OpenFederalLoansLoans up to $6M
    36
    Worth a look

  3. CMHC MLI Select (multi-unit mortgage loan insurance)

    CMHC

    Multi-unit mortgage loan insurance with higher loan-to-value or loan-to-cost, longer amortization and lower premiums for projects earning points for affordability...

    OngoingFederalLoans
    28
    Worth a look

  4. Black Entrepreneurship Program (Loan Fund, Ecosystem Fund, Knowledge Hub)

    Innovation, Science and Economic Development Canada; Federation of African Canadian Economics (FACE) with Business Development Bank of Canada; regional development agencies

    Supports Black entrepreneurs with loans of up to $250,000 through the Black Entrepreneurship Loan Fund, and funds Black-led business organizations through the Ecosystem...

    OngoingFederalLoansLoans up to $250K
    25
    Worth a look

  5. CMHC Apartment Construction Loan Program (ACLP)

    Canada Mortgage and Housing Corporation (CMHC)

    Low-cost construction-to-stabilization loans for rental housing, including standard rental, seniors and student housing. Key financing for real estate developers.

    OpenFederalLoans
    21
    Long shot

  6. Indigenous Entrepreneurship and Business Development: Access to Business Opportunities (group projects)

    Indigenous Services Canada

    Funds group projects that promote Indigenous entrepreneurship and improve access to business opportunities. Not for individual business startups or expansions.

    OpenFederalGrantsUp to $500K
    20
    Long shot

  7. Canada Cultural Investment Fund - Endowment Incentives

    Canadian Heritage

    Matching incentives for donations to professional arts organizations' endowment funds, held by public charitable foundations, to build long-term financial health.

    OngoingFederalGrants
    18
    Long shot

  8. Build Canada Homes (BCH) - proposal portal and financing

    Build Canada Homes (Housing, Infrastructure and Communities Canada)

    Federal agency that finances and builds affordable housing with private developers, non-profits, Indigenous partners and governments; uses tools such as loans, loan...

    OpenFederalLoans
    13
    Long shot

How we rank

Each program gets a score from 0 to 100 that asks how much money you can realistically get for how little work. It blends the largest published amount (loans count for less because they are repaid), how much effort an application takes, how likely an eligible applicant is to succeed and how many people qualify. Closed programs score zero and programs without a published dollar figure get a neutral value, never a guess. Scores are editorial estimates, not predictions of approval.

Questions

How many financing programs for non-profits and charities are open right now?

Of the 13 financing programs for non-profits and charities in our database, 8 are open or ongoing and 0 take applications only in intake windows. The rest are closed, paused or of unknown status, so they are not ranked on this page. Counts reflect our last check on Oct 29, 2026; programs can change without notice.

What is the largest published amount among these programs?

FedDev Ontario - Regional Tariff Response Initiative (RTRI) publishes the largest figure on this page, shown as "Up to $20M". Published figures are program maximums, caps or limits, not what an applicant should expect to receive; many programs pay a share of eligible costs and amounts depend on your project and eligibility.

Which financing programs for non-profits and charities rank highest?

Right now the top three by our score are FedDev Ontario - Regional Tariff Response Initiative (54, Top pick), Women Entrepreneurship Strategy (36, Worth a look), CMHC MLI Select (28, Worth a look). The score combines the size of the published amount, how much work an application takes, how likely an eligible applicant is to succeed and how many people qualify.

Do I have to pay this money back?

It depends on the program. Grants and incentives are generally not repaid, loans always are, and some contribution agreements are partly or fully repayable, so read the terms of each program. Among the 8 open or ongoing programs here, 3 are in our Grants category, 5 are loans and 0 are other incentives such as tax credits and rebates.

Are these federal or Ontario programs?

8 of the 8 open or ongoing programs here come from the federal government and 0 from the Ontario government. Both levels can usually be combined, but many programs have stacking rules that cap total government funding for the same costs, so check them before you apply.

Is this an official government website?

No. Grants & Loans Finder is an independent research tool. Each program page links to the official source, and applications are always made with the government agency or lender that runs the program.

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Estimates; confirm on the official page. Independent research tool, not a government website. Data last checked Oct 29, 2026. Grants & Loans Finder.