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Canada Emergency Business Account (CEBA): Non-Deferrable Expenses Eligibility

The following general eligibility information and enrolment is for businesses with $0 to $20,000 in total 2019 payroll expenses and with evidence of eligible non-deferrable expenses between $40,000—$1.5 million.

If your 2019 payroll was between $20,000 and $1.5 million, please review the CEBA payroll eligibility.   

General Eligibility:

  • In 2019, your business paid $20,000 or less in total payroll (or no payroll); and
  • You have between $40,000 - $1.5 million in eligible non-deferrable expenses incurred or to be incurred in 2020. Refer to for detailed eligibility on Forecasted 2020 Eligible Non-Deferrable Expenses.
  • You have a business chequing account with Valley First/Enderby & District Financial and this account is your primary business operating account, used for day-to-day payments and cash management activities
  • You have a valid 9-digit CRA Business Number (BN
  • You have filed tax return(s) with the CRA with a tax year-end ending in 2019 (or if its tax returns for 2019 have not yet been submitted, 2018
  • You had an active and open business on March 1, 2020 and intend to continue to operate the business or to resume operations
  • You confirm the CEBA loan will be used to pay for operating expenses that cannot be deferred, such as wages, rent, utilities, insurance, debt payments and property tax
  • You have not applied for and are not intending to apply for CEBA at another financial institution under the same CRA business payroll number
  • You confirm the business is facing ongoing financial hardship (including, for example, a continued decline in revenue or cash reserves, or an increase in operating costs) as a result of the COVID-19 pandemic
  • You confirm that in response to the COVID-19 pandemic, the business has made all reasonable efforts to reduce its costs and to otherwise adapt its business to improve its viability

Enrol in the Canada Emergency Business Account

Use the CEBA Pre-Screen Tool to determine if your business may be eligible for enrolment. The Pre-Screen Tool is not an official CEBA application and does not guarantee approval for CEBA funding. Proceed to enrolment only after receiving a CEBA pre-screen number.

Review and confirm you meet all the above general eligibility criteria.

Your CEBA application contains two parts. Both must be completed before your application is considered:

  1. Once you receive your CEBA pre-screen number from the CEBA Pre-Screen Tool, register and upload your non-deferrable expense documents on the federal government's CEBA Document Upload application, selecting "First West Credit Union" as the financial institution you have submitted your CEBA enrolment through.
  2. If you are the individual authorized to bind the Borrowing Business, enrol here. Your enrolment information is validated by First West Credit Union and Canada Revenue Agency (CRA). CEBA approvals are authorized by the Government of Canada.

Visit our F​AQs​ for more information on the Canada Emergency Business Account, as well as other frequently asked questions.

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