What’s next?

Anticipating your application decision

Understanding the loan grace period

Taking advantage of loan forgiveness1

The next 5 years of your CEBA loan

Phase 1.

Before December 31, 2022

Phase 2.

December 31, 2022

Phase 3.

January 1, 2023

Phase 4.

December 31, 2025

CEBA loan at a glance

Loan amount

Loan terms prior to December 31, 2022

Interest rate


Principal payments

Not required


Loan terms after January 1, 2023


Interest rate



Repayments prior to December 31, 2022

Repayments after January 1, 2023

Advice and resources


So long CEBA, hello HASCAP

Managing your CEBA loan payments

3 tips to help your business stay strong amid uncertainty


Application support

Loan details

Issues with applications

Business number related issues

Requalifying under the Non-Deferrable Expense stream