COVID-19 Resource List

The COVID-19 pandemic has affected businesses across Saskatchewan. CCDF is committed to supporting its clients throughout the pandemic and wants to ensure our clients come out of this in the best position possible.

We recognize there is so much information coming out daily from numerous sources. To help save you time, CCDF compiled this list of information & resources available for small business owners. We will update the list as the situation progresses.

For the most up-to-date information on provincial Public Health Orders, self-isolation requirements, and the self-assessment tool click here.

CCDF SUPPORTS

If current CCDF clients would like to contract a consultant to provide professional support to help improve their opportunity for success during this time, they can access our Business Support Program.

  • CCDF can consider 100% of the costs in a non-repayable contribution to a maximum of $10,000
  • Application forms are found here.
  • To apply, contact your Business Development Specialist

CCDF contracted Morris Interactive to provide weekly COVID-19 economic updates.

FEDERAL SUPPORTS

Canada’s COVID-19 Economic Response Plan

Support for Businesses include:

  • Business Credit Availability Program
    • We established a Business Credit Availability Program (BCAP) to provide $65 billion of additional support through the Business Development Bank of Canada (BDC) and Export Development Canada (EDC).
    • BDC and EDC are working with private sector lenders to coordinate on credit solutions for individual businesses, including in sectors such as oil and gas, air transportation, exportation and tourism.
    • This program includes:
      • Canada Emergency Business AccountThe new Canada Emergency Business Account will provide interest-free loans of up to $40,000 to small businesses and not-for-profits, to help cover their operating costs during a period where their revenues have been temporarily reduced. To qualify, these organizations will need to demonstrate they paid between $20,000 to $1.5 million in total payroll in 2019. The program is available at various financial institutions and credit unions.
      • Loan Guarantee for Small and Medium-Sized EnterprisesEDC is working with financial institutions to issue new operating credit and cash flow term loans of up to $6.25 million to SMEs.
      • Co-Lending Program for Small and Medium-Sized Enterprises  – BDC is working with financial institutions to co-lend term loans to SMEs for their operational cash flow requirements. Eligible businesses may obtain incremental credit amounts of up to $6.25 million through the program.

These programs will roll out in the three weeks after March 27, and interested businesses should work with their current financial institutions.

BDC: Support for entrepreneurs impacted by the coronavirus COVID-19

EDC: EDC stands ready to support Canadian exporters impacted by COVID-19

  • Avoiding Layoffs
    • Providing small business with wage subsidies
    • “The subsidy covers 75% of an employee’s wages – up to $847 per week – for employers of all sizes and across all sectors who have suffered a drop in gross revenues of at least 15% in March, and 30% in April and May. The program will be in place for a 12-week period, from March 15 to June 6, 2020.”
    • Frequently Asked Questions – Temporary Wage Subsidy for Employers
  • Providing small business with wage subsidies
    • “To support businesses that are facing revenue losses and to help prevent lay-offs, the government is proposing to provide eligible small employers a temporary wage subsidy for a period of three months. The subsidy will be equal to 10% of remuneration paid during that period, up to a maximum subsidy of $1,375 per employee and $25,000 per employer.”
    • Frequently Asked Questions – Temporary Wage Subsidy for Employers
  • Extending the work sharing program
    • We are extending the maximum duration of theWork-Sharing programfrom 38 weeks to 76 weeks. The Work-Sharing program is offered to workers who agree to reduce their normal working hours because of developments beyond the control of their employers.

  • More Time to Pay Income Taxes
    • The Canada Revenue Agency will allow all businesses to defer, until after August 31, 2020, the payment of any income tax amounts that become owing on or after today and before September 2020.”
    • Learn more here.

The CRA Liason Officer: “service is now available over the phone and will be customizing information during these challenging times by ensuring small businesses are aware of any changes such as filing and payment deadlines, proactive relief measures, etc.”

CCDF Clients can contact a CRA Liason Officer here.

Support for Individuals include:

  • The New Canada Emergency Response Benefit
    • “The Canadian government will provide a taxable benefit of $2,000 a month for up to 4 months to:
      • workers who must stop working due to COVID19 and do not have access to paid leave or other income support.
      • workers who are sick, quarantined, or taking care of someone who is sick with COVID-19.
      • working parents who must stay home without pay to care for children that are sick or need additional care because of school and daycare closures.
      • workers who still have their employment but are not being paid because there is currently not sufficient work and their employer has asked them not to come to work.
      • wage earners and self-employed individuals, including contract workers, who would not otherwise be eligible for Employment Insurance.

The Canada Emergency Response Benefit will be accessible through a secure web portal starting in early April. Applicants will also be able to apply via an automated telephone line or via a toll-free number.

  • Improved access to Employment Insurance sickness benefits
  • Increases in the Goods & Services Tax Credit
    • “This will double the maximum annual GSTC payment amounts for the 2019-20 benefit year. The average boost to income for those benefitting from this measure will be close to $400 for single individuals and close to $600 for couples. This measure will inject $5.5 billion into the economy.”
  • Increases in the Canada Child Benefit
    • “the Government is proposing to increase the maximum annual Canada Child Benefit (CCB) payment amounts, only for the 2019-20 benefit year, by $300 per child. The overall increase for families receiving CCB will be approximately $550 on average; these families will receive an extra $300 per child as part of their May payment.”
    • “A six-month, interest-free moratorium on Canada Student Loans for all individuals currently in the process of repaying these loans.”
  • Flexibility for taxpayers
    • “For individuals (other than trusts), the return filing due date will be deferred until June 1, 2020.  However, the Agency encourages individuals who expect to receive benefits under the GSTC or the Canada Child Benefit not to delay the filing of their return to ensure their entitlements for the 2020-21 benefit year are properly determined.”
  • Reduced minimum withdrawals for Registered Retirement Income Funds
    • We are reducing the required minimum withdrawals from Registered Retirement Income Funds (RRIFs) by 25% for 2020.

PROVINCIAL SUPPORTS

Here is the Government of Saskatchewan’s official website for COVID-19 Information for Businesses and Workers

  • Saskatchewan Small Business Emergency Payment Program

 

  • Benefits:
    • “Payments are based on 15% of a business’s monthly sales revenue in either April 2019 or February 2020. Businesses may select either of these months to calculate their payment. The maximum payment is $5,000 per business.
    • Payments can be used for any purpose, including paying fixed costs or expenditures related to re-opening the business following the pandemic.”
  • Eligibility:
    • “Have been carrying on business in Saskatchewan on February 29, 2020;
    • Have been ordered to temporarily close or curtail operations through a COVID-19 public health order;
    • Have less than 500 employees;
    • Attest that they:
    • Have experienced a loss in revenue due to a COVID-19 public health order;
    • Plan to reopen operations following the cancellation of the COVID-19 public health order; and
    • Have not received payments or amounts from any other sources, including insurance, to replace or compensate for the loss of sales revenue other than amounts from other government assistance programs; and
    • Apply on or before July 31, 2020.”

Highlights

  • Self-isolation support programs
    • “Administered by the Ministry of Finance, the Self-Isolation Support Program will provide $450 per week, for a maximum of two weeks or $900.  The Self-Isolation Support Program is targeted at Saskatchewan residents forced to self-isolate that are not covered by recent federally announced employment insurance programs and other supports.”
  • Three month PST Remittance Deferral and Audit Suspension
    • “Effective immediately, Saskatchewan businesses who are unable to remit their PST due to cashflow concerns will have relief from penalty and interest charges.”
    • “At this time, audit program and compliance activities have been suspended to allow businesses time to focus on the health and safety of their customers and staff, reduce impacts to their business operations, and minimize the spread of the virus through reduced audit travel.”
  • Crown Utility Interest Deferral Program
    • Crown utilities will wave “interest on late bill payments for up to six months.  Effective immediately, the crown utility interest deferral program is available to all crown utility customers.”
  • Student Loan Repayments Moratorium
    • “Effective immediately, a six-month student loan repayment moratorium has been put in place, mirroring a similar federal provision.”
  • Changes to Employment Standards Regulations
    • “Ensure that during a public emergency, businesses will not have to provide notice or pay in lieu of notice when they lay-off staff if it is for a period of 12 weeks or less in a 16-week period. And if an employer lays off employees periodically for a total of more than 12 weeks in a 16-week period, the employees are considered to be terminated and are entitled to pay instead of notice as outlined in the Act.  This will be calculated from the date on which the employee was laid off.”

Here are the updates on the Government of Saskatchewan’s Additional Measures to Protect Saskatchewan Residents.

FINANCIAL INSTITUTION SUPPORTS

  • Mortgage relief from the country’s six largest banks
    • “Effective immediately, Bank of Montreal, CIBC, National Bank of Canada, RBC Royal Bank, Scotiabank and TD Bank have made a commitment to work with personal and small business banking customers on a case-by-case basis to provide flexible solutions to help them manage through challenges such as pay disruption due to COVID-19; childcare disruption due to school closures; or those facing illness from COVID-19,” the statement reads.”

CCDF encourages our clients to reach out to your financial institution, whether it be one of the banks mentioned above, or SMEDCO or a credit union, to see what relief is available for personal or business term loans.

METIS NATION SUPPORTS

Métis Nation – Saskatchewan COVID-19 Supports for:

  • MN-S Emergency Housing Support Program
    • “Funding will be provided in each region for a one-time payment of up to $500 per Métis household based on need.”
    • To apply, fill out the application form and submit it to your regional office.
  • MN-S Childcare Support
    • “One-time funding of $500 per child to a maximum of $2,500”
    • To apply, fill out the application form and submit to childcare@mns.work.
    • “For further details or for assistance with your application, please contact Lisa Fleming, Director of Early Learning and Childcare, at childcare@mns.work or phone the toll free number at 1-833-343-8391.
  • Personal Protective Equipment Program
    • “Regions will prioritize the delivery of Personal Protective Equipment (PPE) supplies to at-risk citizens and the MN-S will have a centralized PPE Command Centre to oversee distribution to frontline workforce and treatment facility/residences. Please identify any critical needs for PPE to your Regional Representative.”

A list of MN-S Regional Representatives can be found here, and for further information call the toll free number at 1-833-343-8391.

METIS NATION – SASKATCHEWAN UPDATES ON RESPONSE TO COVID-19

Gabriel Dumont Institute: COVID-19 Emergency Bursary for Métis Students

  • “Métis post-secondary and Adult Basic Education students can request up to $500 for immediate expenses and associated living costs including but not limited to; rent, groceries, utilities, childcare, medications, cleaning services and needed educational equipment. Childcare support is eligible for children ages 0 – 13 and older dependants with disabilities requiring care.”
  • “Applicant must be Métis residents of Saskatchewan and have a valid Saskatchewan Health Card. Métis Nations – Saskatchewan registry cards are not required.”

MUNICIPAL SUPPORTS & INFORMATION

Different municipalities are offering deferrals of city utility and tax bills. More information can be found here:

We encourage clients to follow the links above, or contact your municipality to become aware of any additional restrictions not mentioned in the provincial measures.

Internet Providers:

COVID-19 Resources for Municipalities by the Municipalities of Saskatchewan

INDUSTRY SUPPORTS & RESOURCES

Cameco $1 Million COVID-19 Relief Fund

  • “Cameco is announcing a $1 Million COVID Relief Fund for Saskatoon and northern Saskatchewan. Grants are available for charities, not for profits, town offices and First Nation band offices that have been impacted by COVID-19.”
  • “Funds must be used to help with the challenges of COVID-19 and can be directed to ongoing program support, targeted COVID-19 community response or specialized programs. Funds cannot be used for primarily staff salaries.”
  • The deadline for applications is midnight April 28th, 2020
  • Apply here

Facebook Small Business Grants Program

  • Facebook is offering $100M in cash grants and ad credits for up to 30,000 eligible small businesses in over 30 countries where we operate. We’ll share more details as they become available.”
  • They’ll “begin taking applications in the coming weeks. In the meantime, you can sign up to receive more information when it becomes available.”

SREDA Small Business Emergency Continuity Grant Program

  • “Provides grants of up to $5,000 to small businesses located in the Saskatoon Region that are experiencing significant financial challenges due to the COVID-19 pandemic.”

Indigenous Tourism Association of Canada (ITAC)

  • Implemented the 2020-21 Revised Business Plan: Sustaining Indigenous in the Face of COVID-19.The PDF is attached, but you can also view on-line here.
  • Waived Membership Fee ($99) for new and renewing ITAC Members. To take advantage of a full year of benefits, please submit your application today (by March 31, 2020). For more information about membership, please visit, ITAC Membership.
  • Launched the ITAC Development Stimulus Fund – this fund isOPEN to ALLIndigenous tourism operators, businesses, economic development corporations, etc. in Canada and allows for funding up to $25,000.00. The application is now open and the deadline to apply is April 30, 2020. For more information and to access the application, please visit, ITAC Development Stimulus Fund.

Complimentary One Year Membership to WESK

Shopify COVID-19 Response

  • Gift cards for all plans and customers
  • Local pickup and delivery
  • $200 million in small business funding
  • Extended 90-day free trial
  • Community support
  • Live webinars

Other Resources

How to Apply for EI and COVID-19 Emergency Benefits (CBC Article)

COVID-19 – Novel Coronavirus Our Approach by McKercher LLP

UPDATED FAQs: What Canadian Exporters need to know about the coronavirus (COVID-19) by Economic Development Canada

COVID-19 Support Resource List by the Saskatoon Regional Economic Development Authority (SREDA)

MNP COVID-19 Business Advice Centre

WESK Response to COVID-19

Canadian Chamber of Commerce COVID-19 Resource List

COVID-19 (novel coronavirus) and its impact on Aboriginal Business

  • The results of this survey may help the Canadian Council of Aboriginal Business advocate for the unique needs of Aboriginal business.

FREE WEBINARS

  • Financing for Small Business
    • Host: Conexus Credit Union & MNP
    • Tuesday, April 28th @ 2 pm
    • Register Here

RESOURCES FOR MANAGING THROUGH COVID-19

A Guide to Managing Your (Newly) Remote Workers in the Harvard Business Review

Zoom Video Tutorials — Watch Here

Managing your mental health through COVID-19: Tools to help you cope by the Saskatchewan Workers’ Compensation Board (WCB)

Getting your workplace ready for COVID-19 by the World Health Organization Digital Starter Kit for Small Businesses prepared by Digital Main Street

A list of resources that might help if you’re new to remote work by Fio Dossetto

COVID-19: How Nonprofits can Establish Effective Telecommuting Practices by Techsoup Canada

Working from home? 4 tips for staying productive by Kim Mok & Gabriel Manga

Safety Checklist for Businesses from the Ottawa Police Service:

  • Keep the lights on
  • Remove ALL cash and receipts
  • Do not leave any valuables clearly visible or accessible
  • All safes and tills should be emptied and moved off-site for safe storage
  • Keep all cash drawers open to show that nothing is in the drawers
  • All ATM’s should be emptied and moved off-site for safe storage
  • All alcohol products removed from bar and put in secured storage areas (no alcohol left visible from outside)
  • Consider posting “NO CASH or Valuables on Premises” signage
  • Deactivate all scheduled FOB door openings (ie. Cleaners, deliveries, etc)
  • Disconnect all kitchen gas lines from their gas source
  • Make regular site visits to monitor your shop/business and to manage inventory and storage conditions (consider scattering the times this is done to not establish a pattern)

Let’s get started!

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