Before we can start, we need some information.

What was your organization’s payroll expense in the 2019 calendar year?

Please include all employment income reported in Box 14 of your T4SUM,  plus, if you pay tax-exempt employment income under the Indian Act, all employment income reported in Box 71 of T4 statements.

Small Business relief

Supporting small businesses in our community

Get access to the latest relief measures for small businesses serving our community

Canada Emergency Business Account (CEBA) & other relief measures

Find out more about the limited-time, interest-free loan for small businesses, including eligibility criteria and how to apply. 

Learn more Learn more about Canada Emergency Business Account (CEBA)

Financial relief for small business credit card payments

Learn about credit card monthly minimum payment deferrals available for your business and how to apply.

Learn more Learn more about Financial relief for small business credit card payments

The Business Development Bank of Canada Business Credit Availability Program

The BDC BCAP program provides access to a non-revolving amortizing term loan of up to $312,500. The program is intended to support bridging businesses’ operating expenses (i.e., payroll, rent, utilities, taxes and other fixed costs), until cash flows resume back to pre-COVID conditions.

Learn more Learn more about The Business Development Bank of Canada (BDC) Co-Lending Facility – coming soon

Direct Deposit for Canada Emergency Wage Subsidy (CEWS)

Direct deposit is a fast, secure and convenient way to receive your Canada Emergency Wage Subsidy payments. Using Scotia OnLine, mobile banking or ScotiaConnect you can quickly enrol your eligible business account for direct deposit in a few easy steps.

Learn more Learn more about Set up direct deposit

Small Business FAQs

Find answers to our most frequently asked questions for small businesses.

If your business experiences a hardship due to COVID-19, you may be eligible to qualify for additional relief measures. Please contact your Small Business Advisor, Branch Manager, Agriculture Specialist or Healthcare & Professional Specialist.

We will work with you individually to offer advice and assistance with liquidity and financial covenant relief, including temporary lending payment deferrals or other forms of short-term support to customers who meet required qualifications. 

As the situation evolves rapidly, we will be adjusting our hours, and in some cases there may be a need for us to close some of our branches. If a branch is required to be temporarily closed, we will post a sign on the door informing our customers and we will update our branch locator regularly.

You can complete your small business banking needs with the following options available: 

  • Visit Scotia OnLine banking to complete many of your everyday and small business banking needs through online banking and the Scotia mobile banking app available in the App Store or Google Play.

If you are not currently registered for Scotia OnLine banking, please visit for resources on how to register for Scotia OnLine banking and the Scotia mobile banking app.

At this time, all merchants are accepting credit and debit, and our ABMs will continue to operate as normal. We are continuing to monitor the situation as needed to ensure that you are able to withdraw cash if you need it.