0% programs
$10,000,000
Estimate your payments, compare financing options and understand how much capital may be available for your business. Green Light begins with grants, interest-free programs and lower-cost financing before considering secured or private capital.
Choosing the right business loan calculator Canada business owners can trust starts with understanding that no two financing products cost the same. This business financing calculator lets you estimate payments across a government-backed business loan, an equipment or asset-secured loan, a second mortgage calculator scenario, or a private business loan calculator estimate — side by side, in Canadian dollars.
Before recommending private capital, Green Light reviews whether a grant funding calculator estimate, an interest-free government program, or an equipment financing calculator scenario might reduce your cost of capital first. That’s the same lowest-cost-first approach built into every tool below: start with grants and 0% programs, move to institutional and secured lending, and only consider private funding when it’s genuinely the most practical route. Use the calculators to model a few scenarios, then send your results to a Green Light advisor for a free, human review.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
Calculations are estimates for planning purposes. Actual amounts, rates, fees, payments, and eligibility depend on the applicable program, lender, property, business, and final assessment.
It provides a planning-level estimate based on the numbers you enter. Actual rates, fees, and payments depend on the lender, program, and your complete financial picture.
Under the Canada Small Business Financing Program, combined financing is currently up to $1.15 million — up to $1 million in term loans and up to $150,000 through a line of credit.
A standard amortized loan uses the principal, monthly interest rate and number of payments to calculate a level payment across the term. Interest-only and 0% structures use simpler formulas.
A grant typically doesn’t need to be repaid when program conditions are met. A 0% repayable contribution has no interest cost, but the principal must still be repaid.
Generally, the available equity equals your property value multiplied by the maximum combined loan-to-value ratio, minus your existing mortgage and other registered debt.
Private lenders accept more risk or move faster than conventional lenders, which is reflected in a higher rate. It’s typically considered after lower-cost options are ruled out.
Yes — the Compare Options calculator above lays out government-backed, interest-free, secured and private financing side by side so you can see the trade-offs.
Often, yes. The Customer Subsidy calculator estimates how a rebate or subsidy could lower your customer’s net cost — part of Green Light’s broader Know-How strategy.
Green Light evaluates grants, government-supported loans, secured financing and private capital to identify the most efficient realistic option for your business.
Get matched with grants and loans — advisor-reviewed report in 48 hours.
Get matched with grants and loans — advisor-reviewed report in 48 hours.
