LRCC Business Grant & Loan Program: Application Guide

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LRCC Business Grant & Loan Program: Application Guide

If you are a Red River Métis entrepreneur in Manitoba, finding startup or expansion funding can be challenging. The LRCC Business Grant & Loan Program helps by offering both grant funding and commercial loans to eligible businesses. Louis Riel Capital Corporation (LRCC) delivers this program. It supports Métis-owned businesses that want to invest and grow in Manitoba.


How the LRCC Business Grant & Loan Program Works

The LRCC Business Grant & Loan Program gives you two types of funding with one application. You can receive a grant and a loan. The grant is non-repayable, while the loan must be repaid under commercial terms.

Funding Amounts

According to current guidelines:

  • Grant funding: Up to $99,999 (non-repayable)
  • Commercial loan funding: Up to $250,000 (repayable)
  • Total project size: Usually $40,000 or more
  • Equity requirement: Minimum 10% cash investment from the owner(s)

LRCC reviews your project budget and decides how much grant and loan funding you can get. The loan portion has repayment terms set by LRCC.


Eligibility Requirements

To qualify for the LRCC Business Grant & Loan Program, both your business and the owners must meet certain rules.

Business Ownership and Residency

Your business must:

  • Be registered in Manitoba
  • Be at least 51% Red River Métis owned
  • Have owners with valid Manitoba Métis Federation (MMF) Citizenship Card(s)
  • Have Red River Métis owner(s) who live in Manitoba

Owner Involvement and Experience

LRCC expects:

  • At least one principal Red River Métis owner to be involved in daily operations
  • That owner to have skills, training, or experience related to the business

Passive owners are not eligible.

Eligible Business Stages

The program supports:

  • Startups
  • Business acquisitions
  • Existing businesses expanding operations

Expansion projects may qualify even if they are smaller than $40,000, depending on the project.


Eligible Expenses

LRCC funding covers a specific business project. Common eligible expenses are:

  • Equipment and machinery
  • Leasehold improvements
  • Working capital for growth
  • Business acquisitions
  • Startup costs linked to launch

General operating losses and personal expenses do not qualify. For more information, see What expenses are eligible under regional economic development grants?


How to Apply

The LRCC application is more detailed than a simple grant form. You need to prepare financial and ownership documents.

Application Steps

  1. Check your eligibility
    Make sure Métis ownership, MMF citizenship, and Manitoba residency are in place.

  2. Prepare your business plan
    Your plan should include:

    • Market overview
    • Financial projections
    • Project budget and timelines
  3. Show your equity contribution
    You must prove you have at least 10% cash investment toward the project.

  4. Submit your application to LRCC
    LRCC staff review your application and may ask questions.

  5. Approval and funding structure
    If approved, LRCC will tell you the grant amount, loan amount, and repayment terms.

To save time, you can use GrantHub’s eligibility matcher to check if this program fits your business. GrantHub also helps you compare other Indigenous and regional funding options.


Common Mistakes

  • Assuming all funding is a grant
    Only part of the funding is non-repayable. The loan must be repaid.

  • Missing the equity requirement
    Applications without proof of the 10% cash investment may be delayed or declined.

  • Inactive Métis ownership
    LRCC needs active involvement from a principal Métis owner.

  • Projects that are too small or unclear
    Projects below the minimum size or without clear financials may not qualify.


Frequently Asked Questions

Q: Who can apply for the LRCC Business Grant & Loan Program?
You must own at least 51% of a Manitoba-registered business, have a valid MMF Citizenship Card, and live in Manitoba. At least one Métis owner must be actively involved in daily operations.

Q: How much funding is available?
You can get up to $99,999 in grant funding and up to $250,000 in commercial loans, depending on your project and financials.

Q: Is the LRCC grant repayable?
No. The grant portion is non-repayable. The loan must be repaid under LRCC’s commercial terms.

Q: What is the minimum project size?
Projects are usually $40,000 or more, but expansions of existing businesses may be considered below this amount.

Q: How long does the application take?
Timelines depend on your project and how ready your documents are. Applications with complete business plans and financials move faster.


Next Steps

The LRCC Business Grant & Loan Program is a good option if you are a Red River Métis entrepreneur planning a startup, acquisition, or expansion in Manitoba. GrantHub tracks many grant and loan programs across Canada, including Indigenous and regional funding. This makes it easier to find other programs your business may qualify for alongside LRCC support. You can use GrantHub to set alerts for new funding programs that match your needs.

See also:

  • How to stack grants and loans without violating funding rules
  • What Business Expenses Are Eligible Across Canadian Grants and Loans?

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