Many Indigenous entrepreneurs have strong business ideas but still face challenges getting financing. The Aboriginal Entrepreneurship Program – Access to Capital (AEP Access to Capital) helps Indigenous-owned businesses get the funding they need to start, grow, or buy a business. The program is delivered by Indigenous Services Canada, but you work with local partners in your region. It offers repayable financing instead of one-time grants.
The Aboriginal Entrepreneurship Program – Access to Capital is a federal program that helps Indigenous entrepreneurs get business financing. You do not apply directly to the Government of Canada. Instead, you work with Indigenous Financial Institutions (IFIs) or Métis Capital Corporations (MCCs) in your area.
Key points:
One stream under AEP Access to Capital offers up to $99,999 in financing for eligible business activities. The exact amount depends on your project and the lending partner’s review.
Eligibility depends on who you are and how your business is set up. The main requirements are:
Your business does not have to be incorporated, but it must be a for-profit business with a plan for sustainability.
The amount you can get depends on your business, your project, and your regional partner. In one program stream:
Some businesses may use this financing along with other Indigenous business supports. However, you must follow “stacking rules,” which means you cannot receive more total funding from government sources than the maximum allowed for your project. This helps make sure public funds are shared fairly. Learn more about stacking rules.
AEP Access to Capital supports practical business costs that help you earn revenue. Common uses include:
Your local lending partner will confirm what costs are eligible and what documents you need, such as quotes or forecasts.
You can use GrantHub to search for programs by province, industry, and Indigenous ownership.
You do not apply through a federal government website. The steps are:
Each partner has different timelines and paperwork, so it’s best to start conversations early.
Thinking the program gives non-repayable grants
Most AEP Access to Capital funding must be paid back. Plan for repayments in your cash flow.
Applying without a clear business plan
IFIs want to see realistic revenue forecasts and solid market research.
Not checking Indigenous ownership rules
Applications often get delayed because ownership or control documents are missing or unclear.
Waiting too long to contact a regional lender
Early advice can save you time and help you build a better application.
Q: Is the Aboriginal Entrepreneurship Program – Access to Capital a grant or a loan?
Most funding from this program is repayable financing (like a loan). The terms depend on the IFI or MCC you apply to.
Q: Can startups apply for AEP Access to Capital?
Yes. Startups are eligible if they are Indigenous-owned and have a strong business plan with realistic financial numbers. The lending partner will review risk before approving.
Q: How long does the application process take?
Timelines vary, but decisions often take several weeks after you submit all required documents. Missing paperwork is a common reason for delays.
Q: Are AEP Access to Capital funds taxable?
Because this is usually repayable financing, it is generally treated as a loan, not income. Check with a tax professional for your situation.
If your Indigenous-owned business needs financing and regular banks are not an option, the Aboriginal Entrepreneurship Program – Access to Capital could help. Start by connecting with your regional Indigenous Financial Institution and preparing a strong business plan and financial projections. GrantHub can also help you find other Indigenous business grants, loans, and programs to support your growth.
See also:
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