St. Catharines Business Grants & Incentives 2026
St. Catharines businesses have access to 12+ grant and incentive programs across municipal, provincial, and federal levels. Largest Niagara city with strong small business incentive programs.
Available Grants in St. Catharines
CIP Facade Improvement Grants
Deadline: Ongoing (varies by municipality)
Municipal grants covering 50-75% of facade, signage, and storefront improvement costs. Available in most Ontario cities through Community Improvement Plans.
Southern Ontario Development Fund (SODF)
Deadline: May 27, 2026
Up to $1.5M for southern Ontario businesses creating jobs. Focus on advanced manufacturing, food processing, and technology.
BIA Improvement Grants
Deadline: Ongoing (varies by BIA)
Business Improvement Area grants for signage, facade, patio, and accessibility improvements. 68+ BIAs across Ontario with active grant programs.
Niagara Region CIP Programs
Deadline: Ongoing
Regional incentive programs including tax increment grants, facade improvement, brownfield redevelopment, and employment land grants across all 12 Niagara municipalities.
Starter Company Plus
Deadline: Ongoing (intake periods)
Up to $5,000 grant for new Ontario businesses. Includes mentorship and business training. No repayment required.
FedDev Ontario
Deadline: Ongoing
Federal economic development funding for southern Ontario businesses. Large-scale grants for expansion, innovation, and job creation.
CanExport SMEs
Deadline: May 29, 2026
Up to $50,000 to help Canadian SMEs enter new export markets. Covers trade show costs, market research, and promotional materials.
Canada Small Business Financing Program (CSBFP)
Deadline: Ongoing
Government-backed loans up to $1.15M for real property, equipment, and improvements. 85% government guarantee reduces lender risk.
Canada-Ontario Job Grant
Deadline: Ongoing
Up to $10,000 per employee for training costs. Government covers 2/3, employer covers 1/3. Ideal for apprenticeship and Red Seal training.
Home Retrofit Savings (Heat Pump Rebates)
Deadline: November 2026
Provincial rebates of $7,500-$15,000 for heat pump installations. HVAC contractors benefit from increased demand.
CIP & BIA Programs in St. Catharines
The St. Catharines Downtown CIP provides financial incentives for property improvements within designated areas. Typical CIP grants cover:
- Facade and storefront improvements (50-75% coverage)
- Professional signage and awnings
- Accessibility upgrades (AODA compliance)
- Building renovation and restoration
- Landscaping and patio areas
The St. Catharines Downtown Association offers additional improvement grants to member businesses. Contact your BIA office to check eligibility and current intake periods.
How to Apply for Grants in St. Catharines
The application process varies by program level. Here's a step-by-step guide for St. Catharines business owners:
Determine Your Eligibility
Use our free eligibility checker to instantly see which of the 12+ programs match your business. You'll need to know your industry, approximate revenue, number of employees, and whether you own or rent your business property.
Start with Municipal Programs
Municipal grants through St. Catharines Downtown CIP and St. Catharines Downtown Association are often the easiest to access and fastest to process. Contact your local BIA office or St. Catharines's economic development department to confirm your property is within an eligible zone.
Layer Provincial and Federal Programs
After securing municipal funding, apply to provincial programs like Starter Company Plus and federal programs like CSBFP. Most programs allow stacking — you can use multiple grants for the same project as long as total government funding doesn't exceed 75% of project costs.
Prepare Your Application Package
Use our application checklist to gather all required documents. Having everything ready before you start the application dramatically improves your chances — incomplete applications are the #1 reason for rejection.
Provincial and Federal Programs Available in St. Catharines
In addition to St. Catharines-specific municipal grants, every Ontario business can access these province-wide and national programs:
For New Businesses (Under 5 Years)
- Starter Company Plus: $5,000 non-repayable grant with mentorship from experienced business owners. Open to Ontario residents starting or expanding a business.
- CSBFP Loans: Up to $1.15M in government-backed bank financing for equipment, leasehold improvements, or real property.
For Established Businesses
- CanExport: Up to $50,000 for businesses expanding into international markets. Deadline: May 29, 2026.
- SODF: Up to $1.5M for southern Ontario businesses creating jobs in manufacturing, food processing, or technology.
- Canada-Ontario Job Grant: Covers 2/3 of employee training costs up to $10,000 per trainee.
Check Your Eligibility
Answer 7 questions and see which grants you qualify for in St. Catharines.
Start Eligibility CheckDownload Free Grant Calendar
Monthly deadline grid with program names, amounts, and direct application links. Trade-specific colour coding.
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Need Signage for Your CIP Project?
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Get a Free Signage Quote or call 289-228-7021Frequently Asked Questions
What business grants are available in St. Catharines?
St. Catharines has 4 city-specific grants plus 8 federal and provincial programs available to all Ontario businesses. Key local programs include St. Catharines Downtown CIP and BIA improvement grants.
Does St. Catharines have a CIP program?
Yes. St. Catharines Downtown CIP offering grants for facade improvements, signage, accessibility upgrades, and building renovations within designated areas.
How do I apply for grants in St. Catharines?
Start with our eligibility checker to see which programs match your business. For municipal grants, contact St. Catharines's economic development office or your local BIA directly. We include application links and checklists on each program guide.
What is the St. Catharines BIA?
The St. Catharines Downtown Association provides improvement grants to member businesses for signage, facades, patios, and accessibility. Contact your BIA office to check if your property is within the district boundary.
Can I get a facade grant in St. Catharines?
Yes, if your property is in a designated CIP zone or BIA district. Grants typically cover 50-75% of eligible costs up to $25,000 for facade, signage, and storefront improvements.
About This Guide
Grant Guide Canada is a free resource maintained by Niagara Stands Out, a business services company based in 248 Port Colborne Drive, Port Colborne, ON L3K 2M5. We research and organize public grant information from federal, provincial, and municipal government sources so Ontario business owners can find funding without hiring a consultant.
How we stay accurate: Our automated monitoring system checks government portals daily for deadline changes, new programs, and status updates. All program details link to official government sources. Last verified: 2026-02-13.
Disclaimer: This guide is for informational purposes only. We are not affiliated with any government agency. Always verify eligibility and program details directly with the administering organization before applying.
Questions? Contact us: info@niagarastandsout.com | 289-228-7021