Since the spring, the Canada Emergency Business Account has helped almost 800,000 small businesses and not-for-profits in Canada. Today the Deputy Prime Minister and Minister of Finance, the Honourable Chrystia Freeland, announced the expansion of the Canadian Emergency Business Account (CEBA).

“As Canada fights a powerful second wave of COVID-19, many of our small businesses are facing immense uncertainty. They are resilient and have innovated and adapted during this pandemic, but our government knows they need support. This increased CEBA loan will help protect jobs, protect businesses and make sure the small businesses our communities love and rely on are not permanently closed once we have defeated the virus.”
“随着加拿大与强大的第二波 COVID-19 作斗争，我们的许多小企业都面临着巨大的不确定性。他们很有韧性，并在这场大流行期间进行了创新和适应，但我们的政府知道他们需要支持。这笔增加的 CEBA 贷款将有助于保护就业、保护企业，并确保我们的社区热爱和依赖的小企业在我们战胜病毒后不会永久关闭。

- The Hon. Chrystia Freeland,Deputy Prime Minister and Minister of Finance
- Chrystia Freeland 阁下，副首相兼财政部长

“Small businesses are the heart of Canada’s communities and the engine of our economy. Our government is committed to supporting small business owners through the pandemic and beyond. Expanding CEBA loans to $60,000 will help give hard-working Canadian business owners the support they need to weather today’s challenges and build towards a brighter future.”
“小企业是加拿大社区的核心，也是我们经济的引擎。我们的政府致力于在疫情期间及以后为小企业主提供支持。将 CEBA 贷款扩大到 60,000 加元将有助于为辛勤工作的加拿大企业主提供他们需要的支持，以应对当今的挑战并朝着更光明的未来迈进。

- The Hon. Mary Ng, Minister of Small Business, Export Promotion and International Trade
- 小企业、出口促进及国际贸易部长 Mary Ng 先生

• As of December 1, 2020, more than 793,000 CEBA loans have been approved, representing over $31 billion in funds.  
  截至 2020 年 12 月 1 日，已批准超过 793,000 笔 CEBA 贷款，涉及超过 310 亿美元的资金。

• Launched on April 9, 2020, CEBA provided a $40,000, zero-interest, partially forgivable loan to small businesses that experienced diminished revenues due to COVID-19 and faced ongoing non-deferrable costs, such as rent, utilities, insurance, taxes and employment costs. By assisting these businesses in servicing their non-deferrable costs, CEBA is intended to facilitate the post-COVID resumption of normal business operations. 
  CEBA 于 2020 年 4 月 9 日推出，向因 COVID-19 导致收入减少并面临持续的不可延期成本（如租金、水电费、保险、税收和就业成本）的小企业提供 40,000 美元、零息、部分可免除的贷款。通过协助这些企业支付其不可延期的成本，CEBA 旨在促进 COVID 后恢复正常业务运营。

• Since its launch, the government has made modifications to CEBA to help even more small businesses, including:
  自推出以来，政府对 CEBA 进行了修改，以帮助更多的小企业，包括：

  • increasing the payroll eligibility range to between $20,000 and $1.5 million;
    将工资发放资格范围提高到 20,000 美元至 150 万美元之间;
  • making CEBA available to owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly as well as family-owned corporations remunerating in the form of dividends rather than payroll;
    向没有工资单的业主经营的小企业、直接获得业务收入的独资经营者以及以股息而非工资形式支付报酬的家族企业提供 CEBA;
  • making CEBA available to businesses operating from a personal banking account that had previously been unable to apply due to not operating from a business banking account; and
    向使用个人银行账户运营的企业提供 CEBA，这些账户之前由于不通过商业银行账户运营而无法申请;和
  • as of Friday, December 4, 2020, making available an additional $20,000 CEBA loan, for eligible businesses facing financial hardship as a result of the COVID-19 pandemic.
    自 2020 年 12 月 4 日星期五起，为因 COVID-19 大流行而面临财务困难的符合条件的企业提供额外的 20,000 美元 CEBA 贷款。

• The additional $20,000 CEBA loan may not be available at all participating financial institutions on December 4, but is expected to be available soon.
  12 月 4 日，并非所有参与的金融机构都提供额外的 20,000 美元 CEBA 贷款，但预计很快就会提供。

• To qualify for CEBA, all applicants must have:
  要获得 CEBA 的资格，所有申请人必须具备：

  • An active Canada Revenue Agency (CRA) business number with an effective date of registration on or prior to March 1, 2020;  
    有效的加拿大税务局 （CRA） 商业编号，其注册生效日期在 2020 年 3 月 1 日或之前;

  and either: 以及：

  • meet the payroll eligibility criteria; or
    满足工资发放资格标准;或
  • demonstrate a minimum of $40,000 in eligible non-deferrable expenses, and have filed a 2018 or 2019 tax return.
    证明至少有 40,000 美元的符合条件的不可延期费用，并已提交 2018 年或 2019 年的纳税申报表。

• CEBA is administered by Export Development Canada (EDC), which is working closely with Canadian financial institutions to deliver the loans to their existing business banking customers. The CEBA Call Centre can be reached at 1-888-324-4201 between Monday and Friday from 8 a.m. to 9 p.m. ET. 
  CEBA 由加拿大出口发展局 （EDC） 管理，该公司与加拿大金融机构密切合作，为其现有的商业银行客户提供贷款。CEBA 呼叫中心可在东部时间周一至周五上午 8 点至晚上 9 点拨打 1-888-324-4201 联系。

• CEBA is part of the government’s comprehensive support for small businesses, which also includes:
  CEBA 是政府对小企业的全面支持的一部分，其中还包括：

  • The Canada Emergency Wage Subsidy, which the Fall Economic Statement proposes to raise the maximum base subsidy of to 75 per cent;
    加拿大紧急工资补贴，秋季经济声明提议将最高基本补贴提高到 75%;
  • The Canada Emergency Rent Subsidy, which provides rent or commercial mortgage support up to 65 per cent directly to businesses that have been affected by COVID-19; and
    加拿大紧急租金补贴，直接向受 COVID-19 影响的企业提供高达 65% 的租金或商业抵押贷款支持;和
  • New Lockdown Support, which provides a rent subsidy of 25 per cent to businesses that have to significantly restrict their activities as a result of a public health order.
    新的封锁支持，为因公共卫生令而不得不大幅限制其活动的企业提供 25% 的租金补贴。

Associated links

• Government of Canada Releases Supporting Canadians and Fighting COVID-19: Fall Economic Statement 2020
• Canada Emergency Business Account (CEBA)
• Canada Emergency Business Account now open to businesses using personal banking accounts
• Government announces new, targeted support to help businesses through pandemic
• Government announces greater flexibility and extension of Canada Emergency Business Account
• More small businesses can soon access the Canada Emergency Business Account
• Prime Minister announces expansion of support for workers and small businesses
• Launch of the Canada Emergency Business Account

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