加拿大紧急商业款项CEBA现开始对持个人银行账户的企业开放

扩展CEBA贷款适用范围

支持以个人银行账户运营的企业

有关加拿大紧急商业款项(CEBA)的最新通报：从本周开始，使用个人银行账户运营的企业可以获得这种无息贷款的支持。这是我们政府对小企业做出的承诺——而今天，小企业主们可以从全国各地的大型金融机构那里获得这项支持，在后续几天，小型的金融机构也将做好了准备，接受贷款申请。

有关这一新措施的资格条件，以及您的商户如何申请的信息，请参见以下新闻：

转：方惠兰副总理兼财政部长

从周一开始，在银行使用非商业帐户运营的企业将可以申请CEBA，只需现在开通新的银行商业账户。通过此更改，更多的#小企业#将能够获得此财务生命线。

小企业救助基金开放申请

转：伍凤仪部长
(小企业、出口促进及国际贸易部)

📢 *小企业的业主们请注意*

每个企业最高可获5000加元的救助金现在已经开放申请，这是我们1200万元投资的一部分。如果您正在推动企业走向数字化、购置个人防护设备、或者为了防护COVID-19疫情而对企业进行改装而需要帮助，这个支持项目就是为您而设计。

请到安省商会网站上查看细节并提出申请：

occ.ca/canada-united-small-business-relief-fund/

新闻通稿

加拿大紧急商业款项CEBA现开始对持个人银行账户的企业开放

Canada Emergency Business Account now open to businesses using personal banking accounts

源自：加拿大财政部

2020年10月26日— 安大略渥太华 — 加拿大财政部

加拿大联邦政府正继续向小企业主和创业者提供支持，帮助他们适应和调整自己的企业迎接经济复苏。

今天，副总理兼财政部长方惠兰(Chrystia Freeland)阁下宣布，最早从2020年10月26日开始，那些使用非商业银行帐户开户运营的企业将可以获得加拿大紧急商业款项（Canada Emergency Business Account , CEBA）。

要符合申请资格，企业必须在2020年3月1日时已经开始运营，必须目前在参与CEBA的加拿大金融机构中成功开设商业帐户，并符合其他现有CEBA资格标准。申请CEBA的截止日期为2020年12月31日。

CEBA是加拿大联邦政府经济应对计划的一部分，这一计划旨在帮助加拿大人和加拿大企业应对COVID-19疫情大流行。该计划的系列措施正在帮助企业开门营业、保留员工在工资单上、保护加拿大人所依赖的就业、并在时机成熟时更迅速地复苏。

引述

副总理兼财政部长方惠兰(Chrystia Freeland)阁下：

“我们政府坚定不移地支持各种规模的加拿大企业，我们知道小型企业目前正面临着特殊的逆境。CEBA贷款已为超过774,000家加拿大小企业和非营利机构提供了支持，通过此项修改措施，更多的小型企业业主将能够使用这一重要的财务生命线。小企业主很有韧力，我们政府将继续与他们在一起为他们提供帮助。它们的生存，是我们战胜冠状病毒之后实现强劲经济反弹的关键。”

小企业、出口促进及国际贸易部长伍凤仪(Mary Ng)阁下：

“小企业主为我们全国各地的社区做出了令人难以置信的贡献。我们今天启动了下一阶段的CEBA贷款，它将为更多辛勤工作的加拿大人提供帮助。我们将继续为小型企业提供所需求的额外支持，帮助它们过渡到更有利的时期。”

事实简要

• CEBA向小型企业和非营利组织提供最高40,000加元的零息贷款，这些企业和组织因COVID-19疫情而导致收入减少，但又面临持续的固定费用，如租金、水电、保险、税金和工资等等。贷款余额如果在2022年12月31日当天或之前偿还，则其中25%的贷款（最高10,000元）可获免除。

• 自启动以来，联邦政府对CEBA进行了多次调整，以帮助更多的小型企业，包括：

• 将员工薪酬的条件范围从50,000元至100万元扩展到20,000元至150万元之间；

• 将CEBA资格范围扩大给所有者自己经营而没有工资单的小型企业、自己领取商业收入的独资经营者、以及以股息而不是工资单的形式获得报酬的家族经营企业。

要符合申请CEBA的资格，所有申请者必须具备：

• 有效的加拿大税务局（CRA）公司注册号，其有效注册日期为2020年3月1日或之前；

以及下列情况的其中之一：

• 符合员工薪酬的条件标准；或

• 证明至少有40,000元的合格不可延迟费用，并已提交2018年或2019年的纳税申报表。

• 为了评估其是否符合CEBA资格条件，申请者可以使用CEBA网站上的预筛查工具。要申请CEBA，企业需要联系其金融机构并提供适当的信息和文件。申请人可以致电1-888-324-4201与CEBA呼叫中心联系，在周一至周五上午8点至晚上9点（东部时间）之间获知已申请项目的状况更新。

• 截至2020年10月22日，已有超过774,000笔CEBA贷款获得通过，总额近310亿元。

• 2020年10月9日，联邦政府宣布与加拿大出口发展局（EDC）和金融机构合作，进一步扩展CEBA项目，提供额外的20,000加元免息CEBA贷款。如果在2022年12月31日之前偿还贷款全部贷款余额，则一半的贷款可获得免除。需要申请获得这笔额外的20,000元融资的企业，必须宣誓证明其需求。更多详细信息将很快发布。

• CEBA由加拿大出口发展局（EDC）管理，该发展局与加拿大金融机构紧密合作，向符合资格条件的企业提供贷款。

相关链接

• 加拿大紧急商业款项 (CEBA) 
  https://ceba-cuec.ca/
• 加拿大的 COVID-19经济应对计划 
  Canada.ca/Economic-Response-Plan

英文原文

News Release

Canada Emergency Business Account now open to businesses using personal banking accounts

From: Department of Finance Canada

News release

October 26, 2020 - Ottawa, Ontario - Department of Finance Canada

The Government of Canada is providing continued support to small business owners and entrepreneurs to help them adapt and position their businesses for recovery.

Today, the Deputy Prime Minister and Minister of Finance, the Honourable Chrystia Freeland announced that as early as October 26, 2020, the Canada Emergency Business Account (CEBA) will be available to businesses that have been operating out of a non-business banking account.

To be eligible, businesses must have been operating as a business as of March 1, 2020, must successfully open a business account at a Canadian financial institution that is participating in CEBA, and meet the other existing CEBA eligibility criteria. The deadline to apply for CEBA is December 31, 2020.

CEBA is part of the Government of Canada’s economic response plan to help Canadians and Canadian businesses deal with the COVID-19 pandemic. The measures under this plan are helping businesses keep their doors open, keep their employees on payroll, protect the jobs that Canadians depend on, and recover quickly when the time comes.

Quotes

“Our government is unwavering in its support for Canadian businesses of all sizes and we know that small businesses are facing particular adversity right now. The CEBA loan has supported over 774,000 Canadian small businesses and not-for-profits and with this change an even greater number of small business owners will be able to access this important financial lifeline. Small business owners are resilient and our government will continue to be there to help them. Their survival is key to a robust economic rebound once we defeat the coronavirus. ”

- The Honourable Chrystia Freeland, Deputy Prime Minister and Minister of Finance

“Small businesses owners make incredible contributions to our communities in every corner of the country. The next phase of the CEBA loan launched today will help even more of these hard-working Canadians. We’ll continue to deliver the extra support small businesses need to bridge through to better times.”

- The Honourable Mary Ng, Minister of Small Business, Export Promotion and International Trade

Quick facts

• CEBA provides zero-interest loans up to $40,000 to small business and non-profit organizations that have experienced diminished revenues due to COVID-19 but face ongoing non-deferrable costs, such as rent, utilities, insurance, taxes and wages. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000).

• Since its launch, the government has made modifications to CEBA to help even more small businesses, including:

• increasing the payroll eligibility range from between $50,000 and $1.0 million to between $20,000 and $1.5 million;

• 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. 

• To qualify for CEBA, all applicants must have:

• An active Canada Revenue Agency (CRA) business number with an effective date of registration on or prior to March 1, 2020;  

and either:

• meet the payroll eligibility criteria; or

• demonstrate a minimum of $40,000 in eligible non-deferrable expenses, and have filed a 2018 or 2019 tax return.

• To assess their eligibility for CEBA, applicants can use the pre-screening tool on the CEBA website. To apply for CEBA, businesses should contact their financial institution and provide the appropriate information and documentation. Applicants may contact the CEBA Call Centre at 1-888-324-4201 to receive a status update on a completed application between Monday to Friday from 8 a.m. to 9 p.m. EST

• As of October 22, 2020, more than 774,000 CEBA loans have been approved, representing a total of nearly $31 billion in funds. 

• On October 9, 2020 the government announced that it is working with Export Development Canada (EDC) and financial institutions to expand the CEBA program by providing an additional interest-free CEBA loan amount of $20,000, of which up to half will be forgivable if the balance of the loan is paid by December 31, 2022.  Businesses accessing the additional $20,000 of financing will be required to attest to need. Further details will be available soon.

• CEBA is administered by Export Development Canada (EDC), which is working closely with Canadian financial institutions to deliver the loans to qualifying businesses. 

Associated links

• Canada Emergency Business Account (CEBA)

• Government announces new, targeted support to help businesses through pandemic

• 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

• Canada’s COVID-19 Economic Response Plan

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