Find the grants your business qualifies for.

A grant is money you don't repay, usually with light reporting. A contribution is also non-repayable but tied to an agreement with milestones and claims. Repayable (often interest-free) funding works like a loan with friendlier terms. A tax credit reduces tax or is refunded after you file (e.g. SR&ED). A wage subsidy pays part of a new hire's wages.

Programs share the cost with you. If a program covers 60%, you fund the other 40% from cash, loans or investment. Plan your share before you apply — applications short of the minimum contribution are often not assessed.

You usually spend first and claim back later. That creates a cash gap. Bridge financing from a lender can cover it.

You can often combine programs, but most limit total government funding for the same costs (a stacking limit). Never claim the same cost twice.

Each program lists what it pays for. Spending before approval usually makes the cost ineligible, unless the program says otherwise.

Some programs open for a fixed window (e.g. REDIP closes Nov 20). Others accept applications continuously or first come, first served until money runs out (e.g. RTRI).

Expect progress reports, expense claims with receipts, and job or outcome reporting. Missing them can delay or claw back payments.