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COVID-19 Help & Resources

We are fortunate to live in Canada, even more so to live right here in Saskatchewan.  Assistance for businesses and individuals has continued to develop and be announced as the dynamic and unpredictable effects of COVID-19 continue to change our normal lives.

While nothing is perfect, programs are being designed and announced in days, where typically each one of these would take many months to validate and pass through levels of approval.  Our own experience has been one of confusion, meetings with accountants, meetings with government, video conferences with venture capitalists, and working our way through the options to see if we qualify for any of the programs.  While there are many great resources, it is complicated to figure out where to start, and many programs have precedence on others, or ceilings, or eligibility constraints.

There are more than 20 programs to apply for as of April 22, 2020.  Please use the following five links to get started:

Step 1:  Start Here (Federal):https://www.canada.ca/en/department-finance/economic-response-plan.html
Step 2:  Young Entrepreneurshttps://www.futurpreneur.ca/en/2020/covid-19-resources-for-small-businesses/
Step 3Saskatchewan Businesses - very good cheat sheet herehttps://innovationsask.ca/technology/covid19
Step 4Saskatchewan Governmenthttps://www.saskatchewan.ca/government/health-care-administration-and-provider-resources/treatment-procedures-and-guidelines/emerging-public-health-issues/2019-novel-coronavirus/covid-19-information-for-businesses-and-workers/saskatchewan-small-business-emergency-payment-program#eligibility
Step 5:  Canadian Digital Media Network - great summary herehttp://cdmn.ca/covid-19

Quick Summary of Major Programs

NameTaxableKnown asApplies to (Individual / Business)
Canada Emergency Response BenefitYesCERBIndividual only, self-employed
Canada Emergency Wage SubsidyCEWSBusiness Only, T4 payroll
10% Temporary Wage SubsidyCTWSBusiness Only, T4 payroll
Work Sharing ProgramWSPBusiness Only, T4 payroll
Canada Emergency Business AccountLoan 0%CEBABusiness Only, T4 payroll
Canada Emergency Commercial Rent Assistance - COMING SOONLoanCECRACommercial Property owners
Business Credit Availability ProgramLoanBCAPBusiness Only, incorporated
Regional Relief Recovery FundLoan?RRRFBusiness / Community
Canada Student Jobs - CHANGES UNDERWAYCSJBusinesses Hiring Students
IRAP - innovation DEADLINE APRIL 29IRAPBusinesses In Innovation & Tech
Futurpreneur?Young Entrepreneurs
Significant Changes
GST / Duty Tax remittance delay for SMB
Business Tax installments deferred
Reduced RRIF withdrawals by 25% for 2020
Child Care benefitCCBFamily
GST BenefitGSTIndividual / Family
Saskatchewan Specific
Saskatchewan Small Business Emergency PaymentSSBEPBusiness
Saskatchewan Self Isolation Support ProgramIndividual

Jeff Shirley
Founder & CEO

@jhshirley  on Twitter

Mitch Redekopp
Article Written by Mitch Redekopp

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COVID-19 Update
Rivercity Technology Services Ltd. continues to provide IT services normally as of March 16th. To our valued clients and close-knit business community we work w...
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