Loan Municipal ● Open

Downtown Forgivable Loan Program

City of St. Catharines · Ontario

Funding amount
Interest-free loan up to $100,000 per property, plus up to $50,000 extra for barrier-free units
Application difficulty
Medium
How to apply
Online
📋 About this program
Interest-free loan for residential conversion of vacant downtown spaces.
Who qualifies
Building owners converting vacant upper-floor, rear or basement spaces into new residential units within the Downtown Priority Neighbourhood.
Eligible sectors
Construction
Eligible uses
Operations
🚀 How to apply
  1. Check your eligibility — Review the requirements above, or use FundNavigator's free AI matcher to confirm this program is a fit for your business before spending time on the application.
  2. Prepare your documents — Most programs require business registration documents, recent financial statements, and a description of how you'll use the funds.
  3. Submit your applicationApply at the official portal →