Canada Emergency Business Account (CEBA) Application Form

Please note that the deadline for CEBA applications has been extended to October 31, 2020

The Canada Emergency Business Account (CEBA) program is available to businesses who meet the eligibility criteria set out below. Subject to the ongoing availability of government funding, up to $40,000 is available to businesses to help cover operating costs.

New CEBA Eligibility Criteria 

The Federal Government recently expanded the CEBA eligibility criteria. Kawartha’s business members may be eligible if they have:

  • a payroll lower than $20,000
  • a business operating account at Kawartha Credit Union; 
  • a Canada Revenue Agency business number;
  • filed a 2018 or 2019 tax return; and 
  • eligible non-deferrable expenses (such as rent, property taxes, utilities, and insurance) between $40,000 and $1.5 million.

Visit our updated CEBA page for information on small business opportunities. 


  • a loan of up to $40,000 interest-free government guaranteed to help you pay for operating costs that you are not able to defer as a result of COVID-19. The loan will be interest free until December 31, 2022.
  • up to $10,000 (25%) of the $40,000 loan is eligible for complete forgiveness if $30,000 is fully repaid on or before December 31, 2022.
  • if the loan is not repaid by December 31, 2022, it will be converted into a 3-year term loan, bearing an interest rate of 5% per annum.
  • outstanding principal of the loan must be fully repaid by December 31, 2025.
  • Kawartha Credit Union will not process any repayment of CEBA loans until January 1, 2021.


Your Canadian business must be an existing and active member of Kawartha Credit Union as at March 1, 2020 which:

  • is not a union, charitable, religious or fraternal organization or entity owned by such an organization. If it is, it must be a registered T2 or T3010 corporation that generates a portion of its revenue from the sales of goods or services;
  • has a business chequing/operating account with Kawartha Credit Union, and this account was opened on or prior to March 1, 2020 and was not in arrears on existing borrowing facilities, if applicable, with Kawartha Credit Union by 90 days or more as at March 1, 2020;
  • has a Federal tax registration;
  • has a 15 digit Canada Revenue Agency Business Payroll Number (BN), as reported at the top of its 2019 T4 Summary of Remuneration Paid (T4SUM);
  • has a total employment income paid in the 2019 calendar year between Cdn. $20,000 and Cdn. $1,500,000, as reported in Box 14 of its 2019 T4SUM; and (i) has not previously used CEBA in connection with any credit facility established with the Borrower and (ii) has not previously used CEBA, and is not applying, and will not apply, for support under CEBA at any other financial institution.


Our application process is simple and easy. It includes an attestation questionnaire which requires you to confirm that:

  1. You are not a government organization or body, or an entity wholly owned by a government organization or body;
  2. You are not a non-profit organization, registered charity, union, or a fraternal benefit society or order, or an entity owned by such an organization, unless the entity is actively carrying on a business in Canada (including a related business in the case of a registered charity) that earns revenue from the regular supply of property/goods or services;
  3. You are not an entity owned by any Federal Member of Parliament or Senator;
  4. Your business does not promote violence, incite hatred or discriminate on the basis of sex, gender identity or expression, sexual orientation, colour, race, ethnic or national origin, religion, age, or mental or physical disability, contrary to applicable laws.
You can download our application here.

Once Kawartha Credit Union receives your application, you will be contacted by a Commercial Services Representative within two business days. When your application has been verified, it will take approximately 5 business days to receive funds.

If you have any questions, please email your Kawartha Credit Union Commercial Account Manager at

Frequently Asked Questions About CEBA

Q: Can I enroll at more than one financial institution? I am a sole proprietor and I only have a Kawartha Credit Union personal chequing account.

A: No. Businesses must enroll for the Canada Emergency Business Account at their primary financial institution where they have an existing business banking account, and they cannot apply at more than one financial institution. The Canada Emergency Business Account is only available to businesses registered on or before March 1, 2020. Further information is available at the Government of Canada’s COVID-19 Economic Response Plan site: (

Q: If I have accounts at multiple financial institutions, how do I determine where to apply?

A: Your primary financial institution is the one where your business does the majority of its day-to-day banking, including employee payroll, supplier payments, and collection of receivables. If you do not use your Kawartha Credit Union account for these functions, you need to apply at the financial institution where this business account is held.

Q: My business requires the consent of more than one director or officer to bind my organization. Can I still apply?

A: Yes. Please note the program does allow your business to complete the agreement with the consent and attestation of only one signing officer who has the authority to bind the organization.

Q: If I am currently benefiting from other government COVID-relief offerings can I apply for the CEBA?

A: Yes, businesses may apply for other programs providing they meet qualifications.

Q: What if I have multiple businesses? Can I enroll under each business for CEBA?

A: Each business entity may enroll for CEBA, providing that they individually meet the eligibility criteria. You will need to complete an application for each business.

Q: Who do I contact if I do not qualify for the loan?

A: Export Development Canada is the administrator of the government's ( website.

For more information please email: