{"id":28424,"date":"2023-12-18T14:52:40","date_gmt":"2023-12-18T14:52:40","guid":{"rendered":"https:\/\/swoopfunding.com\/ca\/?page_id=28424"},"modified":"2024-04-08T13:31:20","modified_gmt":"2024-04-08T13:31:20","slug":"wdec","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/ca\/business-loans\/ceba-loan-forgiveness\/wdec\/","title":{"rendered":"CEBA loan forgiveness"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"28424\" class=\"elementor elementor-28424\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c21c96b e-flex e-con-boxed e-con e-parent\" data-id=\"c21c96b\" data-element_type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2520cfd e-con-full e-flex e-con e-child\" data-id=\"2520cfd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adb6436 elementor-widget elementor-widget-heading\" data-id=\"adb6436\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">CEBA loan forgiveness - what is it? How do I qualify? (updated)<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc797eb elementor-widget elementor-widget-text-editor\" data-id=\"bc797eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: center;\">Is your business one of the nearly 900,000 SMEs that took out a CEBA loan? If so, you could save up to $20,000 if you repay or refinance by January 18, 2024. Read on to see how Swoop can help you save big.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cc177d1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cc177d1\" data-element_type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40a15c0\" data-id=\"40a15c0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-add5404 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"add5404\" data-element_type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of 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id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"CEBA loan forgiveness\",\n          \n          \"datePublished\": \"2023-12-18T14:52:40+00:00\",\n          \"dateModified\": \"2024-04-08T13:31:20+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Chris Godfrey\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"Chris Godfrey\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\"><\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a>. <span>Last reviewed on April 8, 2024<\/span>. <span>Next review due April 1, 2025.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/div>\n<\/div>\n\n<div class=\"modal fade modal-form modal-user\" id=\"modal-user\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-user\" aria-hidden=\"true\">\n <div class=\"modal-dialog\" role=\"document\">\n\n <div class=\"modal-content\">\n <div class=\"modal-header\">\n <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n <span aria-hidden=\"true\">&times;<\/span>\n <\/button>\n <\/div>\n <div class=\"modal-body\">\n \n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/div>\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"text-link\">Linkedin<\/span><i class=\"icon icon-linkedin\"><\/i><\/a><\/li>\n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><span class=\"text-link\">Website<\/span><i class=\"icon material-icons\">web_asset<\/i><\/a><\/li>\n <\/ul>\n \n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39f179f elementor-widget elementor-widget-text-editor\" data-id=\"39f179f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Canada Emergency Business Account (CEBA) was set up to help small businesses and not-for-profits get through the pandemic. Qualified applicants received interest-free loans of up to $40,000 and were subsequently able to apply for a CEBA expansion, which increased the maximum loan amount to $60,000. Eligible CEBA borrowers in good standing who repay or apply to refinance their loan by <b>January 18, 2024<\/b> can receive loan forgiveness of up to $20,000. Even if you weren\u2019t planning to repay your balance before the deadline, there might be a business financing strategy that will make it possible to claim the forgivable portion of your CEBA loan. Keep reading for details.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4272936 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"4272936\" data-element_type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-313049d e-con-full e-flex e-con e-parent\" data-id=\"313049d\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-398036e e-flex e-con-boxed e-con e-child\" data-id=\"398036e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5839b8a elementor-widget elementor-widget-heading\" data-id=\"5839b8a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key CEBA loan dates<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3105da elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"b3105da\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-934a94f e-flex e-con-boxed e-con e-child\" data-id=\"934a94f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f2597ba e-con-full e-flex e-con e-child\" data-id=\"f2597ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46c0ee4 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"46c0ee4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: right;\">December 31 2022<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fed92c9 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fed92c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Original CEBA loan repayment deadline<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-489953e e-con-full e-flex e-con e-child\" data-id=\"489953e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-489b71f e-con-full e-flex e-con e-child\" data-id=\"489b71f\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1aa976 e-flex e-con-boxed e-con e-child\" data-id=\"b1aa976\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b943228 e-con-full e-flex e-con e-child\" data-id=\"b943228\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38c2766 e-con-full e-flex e-con e-child\" data-id=\"38c2766\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8869ae1 e-con-full e-flex e-con e-child\" data-id=\"8869ae1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a73c93 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2a73c93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">December 31 2023<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b68347 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9b68347\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The CEBA loan extension date was extended by 12 months to the end of 2023. <strong>If you have not been contacted by your lender<\/strong> to notify you of partial loan forgiveness, <b>this is still your loan repayment deadline.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ae1531 e-flex e-con-boxed e-con e-child\" data-id=\"3ae1531\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f577c2a e-con-full e-flex e-con e-child\" data-id=\"f577c2a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a771fe elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3a771fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ac1bf3 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9ac1bf3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>January 18 2024<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a81b6a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9a81b6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: right;\"><strong>Current CEBA loan repayment deadline (for those eligible for forgiveness)<\/strong>. Repay the outstanding principal (minus the potential debt forgiveness), or apply for refinance by this date to benefit from the discount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0565ad4 e-con-full e-flex e-con e-child\" data-id=\"0565ad4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30e43d5 e-con-full e-flex e-con e-child\" data-id=\"30e43d5\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a79c61 e-flex e-con-boxed e-con e-child\" data-id=\"3a79c61\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c33e32 e-con-full e-flex e-con e-child\" data-id=\"9c33e32\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ac9979 e-con-full e-flex e-con e-child\" data-id=\"6ac9979\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59fb355 e-con-full e-flex e-con e-child\" data-id=\"59fb355\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-542254c elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"542254c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">January 19 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4313e29 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4313e29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>On this date, any remaining balance owing on your CEBA loan will be converted to a non-amortizing term loan at 5% interest.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fe2dd1 e-flex e-con-boxed e-con e-child\" data-id=\"9fe2dd1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-172a9b9 e-con-full e-flex e-con e-child\" data-id=\"172a9b9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe6002e elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fe6002e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ac1bf3 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9ac1bf3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>March 28 2024<\/p><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4a3da elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"cb4a3da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: right;\">CEBA loan holders that submit a refinancing loan application to the financial institution that provided their CEBA loan by January 18, 2024 but require a grace period in order to finalize the payout of their CEBA loan <strong>can still qualify for partial loan forgiveness<\/strong> if the outstanding principal of their CEBA loan, other than the amount of potential debt forgiveness, plus any applicable interest is repaid by March 28, 2024.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0f56c4d e-con-full e-flex e-con e-child\" data-id=\"0f56c4d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85bd448 e-con-full e-flex e-con e-child\" data-id=\"85bd448\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63d6a1d e-flex e-con-boxed e-con e-child\" data-id=\"63d6a1d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d716666 e-con-full e-flex e-con e-child\" data-id=\"d716666\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e22efca e-con-full e-flex e-con e-child\" data-id=\"e22efca\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c93545 e-con-full e-flex e-con e-child\" data-id=\"1c93545\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3891e18 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"3891e18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">December 31 2026<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2220de elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d2220de\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"c-message_kit__blocks c-message_kit__blocks--rich_text\"><div class=\"c-message__message_blocks c-message__message_blocks--rich_text\" data-qa=\"message-text\"><div class=\"p-block_kit_renderer\" data-qa=\"block-kit-renderer\"><div class=\"p-block_kit_renderer__block_wrapper p-block_kit_renderer__block_wrapper--first\"><div class=\"p-rich_text_block\" dir=\"auto\"><div class=\"p-rich_text_section\">This is the final deadline (for those eligible for forgiveness) to fully repay your CEBA loan .<\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12ec07f elementor-hidden-desktop elementor-hidden-laptop e-flex e-con-boxed e-con e-child\" data-id=\"12ec07f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e9ac19 e-flex e-con-boxed e-con e-child\" data-id=\"0e9ac19\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3a55b04 e-con-full e-flex e-con e-child\" data-id=\"3a55b04\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28abe03 e-con-full e-flex e-con e-child\" data-id=\"28abe03\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c4fd6f elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6c4fd6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">December 31 2022<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5e8c12 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d5e8c12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Original CEBA loan repayment deadline<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ad7070 e-flex e-con-boxed e-con e-child\" data-id=\"3ad7070\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2fe9658 e-con-full e-flex e-con e-child\" data-id=\"2fe9658\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3137184 e-con-full e-flex e-con e-child\" data-id=\"3137184\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a195df7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a195df7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">December 31 2023<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f393bac elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"f393bac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">The CEBA loan extension date was extended by 12 months to the end of 2023.\u00a0<strong>If you have not been contacted by your lender<\/strong>\u00a0to notify you of partial loan forgiveness, this is still your loan repayment deadline.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75c4c24 e-flex e-con-boxed e-con e-child\" data-id=\"75c4c24\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ce2777 e-con-full e-flex e-con e-child\" data-id=\"3ce2777\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3faf74e e-con-full e-flex e-con e-child\" data-id=\"3faf74e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b791896 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"b791896\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">January 18 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e73cb0 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"0e73cb0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Current CEBA loan repayment deadline (for those eligible for forgiveness)<\/strong>. Repay the outstanding principal (minus the potential debt forgiveness), or apply for refinance by this date to benefit from the discount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45ebfbf e-flex e-con-boxed e-con e-child\" data-id=\"45ebfbf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b558b7f e-con-full e-flex e-con e-child\" data-id=\"b558b7f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41faf96 e-con-full e-flex e-con e-child\" data-id=\"41faf96\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20ab73a elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"20ab73a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">January 19 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12e084e elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"12e084e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">On this date, any remaining balance owing on your CEBA loan will be converted to a non-amortizing term loan at 5% interest.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71669c8 e-flex e-con-boxed e-con e-child\" data-id=\"71669c8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-88dd99d e-con-full e-flex e-con e-child\" data-id=\"88dd99d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ff663c e-con-full e-flex e-con e-child\" data-id=\"1ff663c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7875f elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6b7875f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">March 28 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28e5e6b elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"28e5e6b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>CEBA loan holders that submit a refinancing loan application to the financial institution that provided their CEBA loan by January 18, 2024 but require a grace period in order to finalize the payout of their CEBA loan\u00a0<strong>can still qualify for partial loan forgiveness<\/strong>\u00a0if the outstanding principal of their CEBA loan, other than the amount of potential debt forgiveness, plus any applicable interest is repaid by March 28, 2024.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a89ae1d e-flex e-con-boxed e-con e-child\" data-id=\"a89ae1d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8ae91c1 e-con-full e-flex e-con e-child\" data-id=\"8ae91c1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ca6717 e-con-full e-flex e-con e-child\" data-id=\"9ca6717\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53e5348 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"53e5348\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">December 31 2026<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77859b7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"77859b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"c-message_kit__blocks c-message_kit__blocks--rich_text\"><div class=\"c-message__message_blocks c-message__message_blocks--rich_text\" data-qa=\"message-text\"><div class=\"p-block_kit_renderer\" data-qa=\"block-kit-renderer\"><div class=\"p-block_kit_renderer__block_wrapper p-block_kit_renderer__block_wrapper--first\"><div class=\"p-rich_text_block\" dir=\"auto\"><div class=\"p-rich_text_section\">This is the final deadline (for those eligible for forgiveness) to fully repay your CEBA loan<\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-584a703 elementor-widget elementor-widget-spacer\" data-id=\"584a703\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef770f elementor-widget elementor-widget-video\" data-id=\"4ef770f\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=4G6eQtLiTh8&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-162e34c question elementor-widget elementor-widget-heading\" data-id=\"162e34c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a CEBA loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb8afb answer elementor-widget elementor-widget-text-editor\" data-id=\"8cb8afb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The CEBA program offered interest-free loans of up to $60,000 to Canadian small businesses and not-for-profits. It was open for applications from April 9, 2020 to June 30, 2021, and nearly $50 billion was lent to almost 900,000 applicants. CEBA was made available through more than 220 banks, credit unions and other financial institutions across the country.<\/p><p>The original CEBA loan repayment deadline was December 31, 2022, but this was moved back 12 months to December 31, 2023 and has been moved again to<b> January 18, 2024 <\/b>(for eligible businesses). If a CEBA loan remains outstanding after January 18, 2024, interest payments will be required at a rate of 5% per annum until December 31, 2026, when the full principal repayment will be due.<\/p><p><strong>Important: If you have not been contacted by your lender<\/strong> <strong>to notify you of partial loan forgiveness, your loan repayment deadline is still December 31, 2023.<\/strong><\/p><p><strong>New grace period for refinancing<\/strong>: A grace period has been added for those who need extra time to finalize the payout of their CEBA loan. If CEBA loan holders submit a refinancing loan application to the financial institution that provided their CEBA loan by January 18, 2024, they can still qualify for partial loan forgiveness if the outstanding principal of their CEBA loan, other than the amount of potential debt forgiveness, plus any applicable interest is repaid by <strong>March 28, 2024.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9c2d8 question elementor-widget elementor-widget-heading\" data-id=\"5a9c2d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is CEBA loan forgiveness?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2f2f86 answer elementor-widget elementor-widget-text-editor\" data-id=\"e2f2f86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>CEBA loan forgiveness makes <b>up to $20,000 of the loan amount forgivable<\/b> if certain conditions are met.\u00a0These conditions include the loan being in good\u00a0<span style=\"font-size: inherit; letter-spacing: inherit;\">standing (i.e. not in default) and the outstanding principal (minus the potential\u00a0<\/span><span style=\"font-size: inherit; letter-spacing: inherit;\">debt forgiveness) being repaid by January 18, 2024, or by March 28, 2024\u00a0<\/span><span style=\"font-size: inherit; letter-spacing: inherit;\">(plus any applicable interest) if an application for loan financing has been filed\u00a0<\/span><span style=\"font-size: inherit; letter-spacing: inherit;\">with the financial institution that provided the CEBA loan by January 18, 2024.<\/span><\/p><p>The forgivable portion is calculated as follows:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90dbefc elementor-widget elementor-widget-text-editor\" data-id=\"90dbefc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you borrowed $40,000 you can receive loan forgiveness of 25%. That means you must repay at least 75% of the outstanding principal by January 18, 2024.\u00a0 in order to receive loan forgiveness. For example:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-179b627 table-100 uael-header-sticky-no uael-border-yes elementor-widget elementor-widget-uael-table\" data-id=\"179b627\" data-element_type=\"widget\" data-widget_type=\"uael-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div itemscope class=\"uael-table-wrapper\" itemtype=\"http:\/\/schema.org\/Table\">\n\t\t<table id=\"uael-table-id-179b627\" class=\"uael-text-break uael-column-rules uael-table\" data-sort-table=\"no\" data-show-entry=\"no\" data-searchable=\"no\" data-responsive=\"no\">\n\t\t\t\t<thead>\n\t\t\t\t\t\t\t\t\t\t<tr class=\"uael-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"0\" class=\"sort-this elementor-repeater-item-831ad68 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">If you borrowed<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"1\" class=\"sort-this elementor-repeater-item-dc2b291 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">You must repay<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"2\" class=\"sort-this elementor-repeater-item-5c13ba0 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">To be forgiven<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t<tr data-entry=\"1\" class=\"uael-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-611ed2e\" data-title=\"If you borrowed\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$40,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-b490a73\" data-title=\"You must repay\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$30,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-80fcc6a\" data-title=\"To be forgiven\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$10,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-636332e elementor-widget elementor-widget-text-editor\" data-id=\"636332e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you borrowed between $40,000 and $60,000, you can receive loan forgiveness of 25% of the first $40,000 and 50% of the the next $20,000. For example:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7fe93b table-100 uael-header-sticky-no uael-border-yes elementor-widget elementor-widget-uael-table\" data-id=\"a7fe93b\" data-element_type=\"widget\" data-widget_type=\"uael-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div itemscope class=\"uael-table-wrapper\" itemtype=\"http:\/\/schema.org\/Table\">\n\t\t<table id=\"uael-table-id-a7fe93b\" class=\"uael-text-break uael-column-rules uael-table\" data-sort-table=\"no\" data-show-entry=\"no\" data-searchable=\"no\" data-responsive=\"no\">\n\t\t\t\t<thead>\n\t\t\t\t\t\t\t\t\t\t<tr class=\"uael-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"0\" class=\"sort-this elementor-repeater-item-831ad68 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">If you borrowed<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"1\" class=\"sort-this elementor-repeater-item-dc2b291 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">You must repay<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t<th data-sort=\"2\" class=\"sort-this elementor-repeater-item-5c13ba0 uael-table-col uael-table-head-cell-text\" scope=\"col\">\n\t\t\t\t\t\t\t<span class=\"sort-style\">\n\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">To be forgiven<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t<tr data-entry=\"1\" class=\"uael-table-row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-611ed2e\" data-title=\"If you borrowed\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$60,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-b490a73\" data-title=\"You must repay\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$40,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"uael-table-col uael-table-body-cell-text elementor-repeater-item-80fcc6a\" data-title=\"To be forgiven\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"uael-table__text-inner\">$20,000<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t<\/table>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-075e0ea elementor-widget elementor-widget-text-editor\" data-id=\"075e0ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you repaid your original $40,000 loan, claimed forgiveness, and later received the $20,000 expansion, the 50% rate applies. That means you can repay $10,000 and be forgiven the remaining $10,000.<\/p><p>Your bank or financial institution can help you determine exactly how much you\u2019ve borrowed, how much you\u2019ve repaid, and how much more you need to repay in order to claim the forgivable portion of your loan.<\/p><p><strong>Important:<\/strong> If you have received a notice from your financial institution saying that your business is not eligible for loan forgiveness, then the January 18,<br \/>2024 extension does not apply. Your repayment deadline stays the same, which means you are required to repay your CEBA loan in full by December 31, 2023.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf892ee question elementor-widget elementor-widget-heading\" data-id=\"cf892ee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does it mean to be in 'good standing'?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cff353b answer elementor-widget elementor-widget-text-editor\" data-id=\"cff353b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A CEBA loan is in good standing if <strong>the borrower has met all of the repayment terms<\/strong> set out by their financial institution. In general, this means that all applicable payments of principle, interest and fees have been made in full and on time. If you have any questions about whether your CEBA loan is in good standing, please contact your financial institution directly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b9a64 question elementor-widget elementor-widget-heading\" data-id=\"25b9a64\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does it work?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de6d789 answer elementor-widget elementor-widget-text-editor\" data-id=\"de6d789\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You can think of the CEBA loan forgiveness program as having five phases:<\/p><ul><li><b>December 31 2023<\/b> &#8211; this is the current CEBA loan repayment deadline for businesses who are not eligible for the January 18, 2024 deadline extension (your lender will have notified you of this).<\/li><li><strong>Before January 18, 2024 <\/strong>&#8211; this is the current grace period where the interest rate is 0% and no principal repayment is required. During this period, you can make a sufficient repayment or apply for refinancing and benefit from loan forgiveness (eligible businesses only).<\/li><li><strong>January 18, 2024<\/strong> -current CEBA loan repayment deadline (eligible businesses only &#8211; again, your lender will have notified you if this is your deadline). Repay the outstanding principal (minus the potential debt forgiveness), or apply for refinance by this date to benefit from the discount.<\/li><li><strong>January 19, 2024 <\/strong>&#8211; if you&#8217;ve not applied for refinancing,\u00a0any remaining balance owing on your CEBA loan will be converted to a 2-year term loan at 5% interest on this date.<\/li><li><b>March 28, 2024<\/b>. This is the final day to repay your loan balance to qualify for loan forgiveness if you applied for refinancing by January 18, 2024.<\/li><li><strong>December 31, 2026. <\/strong>This is the final deadline to fully repay your CEBA loan<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1680c7b elementor-widget elementor-widget-heading\" data-id=\"1680c7b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CEBA loan forgiveness calculator<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734e72c elementor-widget elementor-widget-text-editor\" data-id=\"734e72c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Use our handy <a href=\"https:\/\/swoopfunding.com\/ca\/business-loan-calculator\/ceba-loan-forgiveness-calculator\/\">CEBA loan calculator<\/a> below to see how much Swoop could help you save on your CEBA loan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a28f391 elementor-widget elementor-widget-ucaddon_ceba_loan_forgiveness_calculator\" data-id=\"a28f391\" data-element_type=\"widget\" data-widget_type=\"ucaddon_ceba_loan_forgiveness_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n<div class=\"form-calculator\">\n <div class=\"left_column\">\n\n <div class=\"form-group\">\n <label for=\"goodStanding\">Are you in good standing for your CEBA loan?<\/label>\n <div class=\"form-check form-check-inline\">\n <input type=\"radio\" class=\"form-check-input\" id=\"goodStandingYes\" name=\"goodStanding\" value=\"yes\">\n <label class=\"form-check-label\" for=\"goodStandingYes\">Yes<\/label>\n <\/div>\n <div class=\"form-check form-check-inline\">\n <input type=\"radio\" class=\"form-check-input\" id=\"goodStandingNo\" name=\"goodStanding\" value=\"no\">\n <label class=\"form-check-label\" for=\"goodStandingNo\">No<\/label>\n <\/div>\n <\/div>\n\n <div id=\"loanAmountSection\" style=\"display: none;\">\n <form id=\"loanAmountForm\">\n <p class=\"note-calculator\">Great news. You're eligible for the extended January 18, 2024 deadline and eligible for partial loan forgiveness. Ensure you repay the full amount (minus the forgivable portion), or apply for refinance by this date to take advantage. Enter your loan details below to see how much you could save.<\/p>\n <div class=\"form-group mt-4\">\n <label for=\"loanAmount\">How much did you borrow?<\/label>\n <div class=\"input-group\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" inputmode=\"numeric\" class=\"form-control mask-money\" id=\"loanAmount\" name=\"loanAmount\" placeholder=\"Enter loan amount\" value=\"20000\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/form>\n <\/div>\n\n <p class=\"note-calculator mt-4\">This calculator is for illustrative purposes only. Specific loan details should be discussed with your CEBA lender directly.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n <div id=\"results\">\n <p class=\"title-result\">Loan forgiveness amount<\/p>\n <p class=\"number-result\" id=\"loanForgivenessAmount\">$0<\/p>\n <p class=\"title-result\">Repayable loan amount<\/p>\n <p class=\"number-result\" id=\"repayableLoanAmount\">$0<\/p>\n <p class=\"note-message\" id=\"repaymentMessage\"><\/p>\n <\/div>\n <p class=\"note-message\" id=\"goodStandingNoMessage\" style=\"display: none;\">Unfortunately, you're unable to take advantage of CEBA loan forgiveness. You must repay your CEBA loan in full by December 31, 2023. <a href=\"#\" class=\"bt-form-ceba-leads\">Register with Swoop<\/a> to discuss your options.<\/p>\n <a href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">Speak to an expert<\/a>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4153c32 question elementor-widget elementor-widget-heading\" data-id=\"4153c32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much of a CEBA loan is forgivable?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03bad4a answer elementor-widget elementor-widget-text-editor\" data-id=\"03bad4a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The forgivable portion of a CEBA loan is calculated based on two tiers:<\/p><ul><li><strong>Loans of $40,000.<\/strong> If you borrowed $40,000 and did not receive a CEBA extension, you can have 25% of your loan forgiven ($10,000).<\/li><li><strong>Loans between $40,000 and $60,000.<\/strong> If you borrowed $40,000 initially and received a subsequent CEBA extension, you can have 25% of the initial loan forgiven and 50% of the extension forgiven (total $20,000).<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38c4071 question elementor-widget elementor-widget-heading\" data-id=\"38c4071\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the terms of forgiveness?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc837b answer elementor-widget elementor-widget-text-editor\" data-id=\"5dc837b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>You must pay the remaining principal of your CEBA loan minus the forgivable portion by January 18, 2024 in order to receive loan forgiveness.<\/strong> For example, if you borrowed $60,000, the maximum loan forgiveness amount is $20,000. Therefore, you need to repay $40,000 by January 18, 2024 in order to have the remaining $20,000 forgiven.<\/p><p><strong>Note on refinancing:<\/strong> There is a grace period for those who apply for loan financing at the financial institution that provided the original CEBA loan. If the application is filed by January 18, 2024, the CEBA loan can still qualify for partial loan forgiveness if the outstanding principal, other than the amount of potential debt forgiveness, plus any applicable interest is repaid by March 28, 2024.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc6285f question elementor-widget elementor-widget-heading\" data-id=\"cc6285f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example scenarios<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59ee8dc answer elementor-widget elementor-widget-text-editor\" data-id=\"59ee8dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Here are two example scenarios:<\/p><p>Tom borrowed $40,000 from the CEBA loan program. The maximum loan forgiveness available to him is $10,000 ($40,000 x 25%), which means he needs to repay $30,000 by January 18, 2024 in order to qualify.\u00a0 He has already repaid $10,000 of the outstanding principal, so he is going to pay the remaining $20,000 by the end of the year using cash flow from his business in order to have $10,000 of his loan forgiven.<\/p><p>Suzy borrowed $60,000 from the CEBA program. The maximum loan forgiveness available to her is $20,000 ($40,000 x 25% + $20,000 x 50%), which means she needs to repay $40,000 by January 18, 2024\u00a0in order to qualify. Since she doesn\u2019t have the cash flow to make this payment, she has decided to refinance her CEBA loan. She\u2019ll use a $40,000 line of credit to pay off her CEBA loan and secure $20,000 in loan forgiveness.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37dd234 question elementor-widget elementor-widget-heading\" data-id=\"37dd234\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I qualify for forgiveness?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bb89e4 answer elementor-widget elementor-widget-text-editor\" data-id=\"4bb89e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you met the eligibility criteria to receive a CEBA loan in the first place, remain in good standing today, and repay the outstanding balance of the loan (other than the amount that can be forgiven), or apply for refinancing on or before January 18, 2024, you will qualify for forgiveness.<\/p><p>Please note that CEBA eligibility was determined based on the criteria established by the Government of Canada. No bank, credit union or other organization involved in administering the CEBA program has the authority to grant exceptions to these criteria.<\/p><p>If you have received a notice from your financial institution saying that your business is not eligible for loan forgiveness, then you are still required to repay your CEBA loan in full by December 31, 2023.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5b27d7 question elementor-widget elementor-widget-heading\" data-id=\"c5b27d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the CEBA loan forgiveness deadline? <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a81510 answer elementor-widget elementor-widget-text-editor\" data-id=\"0a81510\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>The CEBA loan forgiveness deadline is January 18, 2024 (for those businesses notified on this extension date)<\/b>. Otherwise, the December 31, 2023 deadline still applies.<\/p><p>If pay back on or before January 18, 2024, up to $20,000 of the outstanding balance will be forgiven. After that, the loan will incur a 5% annual interest rate on the full amount borrowed. This interest will be charged monthly beginning on January 19, 2024.<\/p><p>If you have a CEBA loan and have not made provisions to repay the minimum amount of principal required by the deadline, you might want to <a href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">consider your refinancing options<\/a> that could help you secure your loan forgiveness.<\/p><p>If you apply to refinance your loan with the same financial institution that issued your original loan by January 18, 2024, you can still qualify for partial loan forgiveness as long as the outstanding principal of your CEBA loan, other than the amount of potential debt forgiveness, plus any applicable interest is repaid by March 28, 2024.<\/p><p>Confused? <a href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">Register with Swoop<\/a> and a CEBA refinancing expert will guide you through the relevant steps.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b41892f question elementor-widget elementor-widget-heading\" data-id=\"b41892f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How can I find out the balance of my loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0683c57 answer elementor-widget elementor-widget-text-editor\" data-id=\"0683c57\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>CEBA loans are administered by banks and credit unions across Canada, and they can provide details regarding your loan balance, outstanding amount that must be repaid, acceptable methods of repayment, and terms of the loan. Some banks allow you to conveniently check your balance and make payments online.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b483c40 question elementor-widget elementor-widget-heading\" data-id=\"b483c40\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is CEBA loan forgiveness taxable?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1ca7b answer elementor-widget elementor-widget-text-editor\" data-id=\"6f1ca7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Yes, the forgiveness portion of your CEBA loan is taxable<\/strong>. If you have questions about the taxation of your CEBA loan, please contact the <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency.html\" target=\"_blank\" rel=\"noopener\">Canada Revenue Agency<\/a> or speak with a <a href=\"https:\/\/www.cpacanada.ca\/en\/the-cpa-profession\" target=\"_blank\" rel=\"noopener\">professional accountant<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb4772 question elementor-widget elementor-widget-heading\" data-id=\"4eb4772\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I account for CEBA loan forgiveness?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd0c9df answer elementor-widget elementor-widget-text-editor\" data-id=\"dd0c9df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Your CEBA loan forgiveness amount should be recorded as income. For example, if you originally borrowed $40,000 and repaid $30,000 in order to secure $10,000 of loan forgiveness, you would have $10,000 of taxable income. For specific advice on how to record this transaction, we recommend seeking the advice of a <a href=\"https:\/\/www.cpacanada.ca\/en\/the-cpa-profession\" target=\"_blank\" rel=\"noopener\">professional accountant<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2ce1a6 question elementor-widget elementor-widget-heading\" data-id=\"a2ce1a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens if I can\u2019t pay back my loan by the Jan 18, 2024 deadline? <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3800b7 answer elementor-widget elementor-widget-text-editor\" data-id=\"c3800b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you have failed to comply with any of the repayment terms set out by your financial institution, your CEBA loan may not be in good standing and you may not qualify for loan forgiveness. If this is the case, your bank or credit union will contact you regarding next steps.<\/p><p>If your CEBA loan is in good standing and you do not repay the required amount of your loan by January 18, 2024, you will not receive forgiveness. During the period of January 19, 2024 to December 31, 2026, you will be required to pay interest on your CEBA loan at a rate of 5% per year. If you have questions about the payment terms after January 18, 2024, please contact your financial institution.<\/p><p>If you plan to refinance your CEBA loan, you can apply with the same financial<br \/>institution that issued your original loan by January 18, 2024 and unlock a grace period until March 28, 2024 to finalize your financing and qualify for loan forgiveness.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b0749f question elementor-widget elementor-widget-heading\" data-id=\"9b0749f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I refinance my CEBA loan?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36be66d answer elementor-widget elementor-widget-text-editor\" data-id=\"36be66d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYes, and this could be an effective strategy for those who do not have the capital on hand to secure the forgivable portion of their loan.\n\n<span style=\"font-size: inherit; letter-spacing: inherit;\">For example, let\u2019s say you borrowed the maximum amount of $60,000 and have not made any payments yet. You could obtain business financing to repay $40,000 before the deadline of January 18, 2024, and have the remaining $20,000 forgiven. Although there would be interest costs associated with the $40,000 loan, this would likely be more than offset by the $20,000 of loan forgiveness. In addition, you will avoid carrying a balance with the CEBA program, which will begin charging interest of 5% annually, paid monthly starting on January 19, 2024.<\/span>\n\n<a style=\"font-size: inherit; letter-spacing: inherit; background-color: #ffffff;\" href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">Speak to a CEBA refinancing expert at Swoop<\/a><span style=\"font-size: inherit; letter-spacing: inherit;\"> who can guide on your best options<\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ffab1 question elementor-widget elementor-widget-heading\" data-id=\"24ffab1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Swoop can help<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b8b129 answer elementor-widget elementor-widget-text-editor\" data-id=\"5b8b129\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you need funding to capture the maximum loan forgiveness, Swoop can help. We will scan the market for the best business finance deals and bring you a list of options in minutes. Sound good? <a href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\"><strong><u>Register with Swoop to discover your options to reduce your CEBA loan amount<\/u><\/strong><\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33f45ee elementor-widget elementor-widget-spacer\" data-id=\"33f45ee\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84c42c9 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"84c42c9\" data-element_type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\"><img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2021\/03\/chris-godfrey-author.png?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\"><\/a>\n <\/div>\n \n <div class=\"right-info\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/p>\n\n <ul class=\"social-links\">\n \n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/ca\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-0bbbc18 e-flex e-con-boxed e-con e-parent\" data-id=\"0bbbc18\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b8e6586 e-con-full e-flex e-con e-child\" data-id=\"b8e6586\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4daa73f elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"4daa73f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2023\/03\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-26177\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f70c480 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"f70c480\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ready to reduce your CEBA loan amount?<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc2960c elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"dc2960c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15639d9 e-flex e-con-boxed e-con e-parent\" data-id=\"15639d9\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89f653d elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"89f653d\" data-element_type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t\n\n\n\n\n\n <div class=\"container-auto-page-related\">\n <h2 class=\"text-center\">We have a wide range of business loan options<\/h2>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/apply-now\/\">Apply for a business loan now <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/\">Asset finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/asset-based-lending\/\">Asset-based lending <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/business-car-finance\/\">Business car finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/business-refinancing-and-debt-consolidation\/\">Business refinancing and debt consolidation <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/business-van-finance\/\">Business van finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/canada-small-business-financing-program\/\">Canada Small Business Financing Program (CSBFP) <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/ceba-loan-forgiveness\/\">CEBA loan forgiveness <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/commercial-fleet-finance\/\">Commercial fleet finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/commercial-mortgages\/\">Commercial mortgages <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/dump-truck-finance\/\">Dump truck financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/ecommerce-financing\/\">Ecommerce financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/equipment-leasing\/\">Equipment leasing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/excavator-finance\/\">Excavator financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/forklift-finance\/\">Forklift financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/franchise-finance\/\">Franchise finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/startup-loans\/how-to-get-a-startup-loan\/\">How to get a startup loan <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/islamic-business-finance\/\">Islamic business finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/management-buyout\/\">Management buyouts <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/no-credit-check-business-loans\/\">No credit check business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/saas-finance\/\">SaaS finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/secured-business-loans\/\">Secured\u00a0business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/blog\/secured-vs-unsecured-business-loans\/\">Secured vs. unsecured business loans \u2013 what\u2019s best for my business? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/small-business-loans\/\">Small\u00a0business loans\u00a0\u2013 how do I get one? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/tractor-finance\/\">Tractor financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/tractor-trailer-finance\/\">Tractor trailer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/unsecured-business-loans\/\">Unsecured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/vending-machine-finance\/\">Vending machine financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/working-capital-loans\/\">Working capital loans\u00a0\u2013what are they &#038; how do I get one? <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <a class=\"bt_see_more\" href=\"javascript:void(0);\">See more<\/a>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aada781 e-flex e-con-boxed e-con e-parent\" data-id=\"aada781\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0caf035 open banner-product elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"0caf035\" data-element_type=\"container\" id=\"sticky-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-048dd94 elementor-widget elementor-widget-image\" data-id=\"048dd94\" data-element_type=\"widget\" id=\"close-sticky\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/close.svg\" title=\"close\" alt=\"close\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdf9b38 elementor-widget elementor-widget-heading\" data-id=\"cdf9b38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Want to save up to $20,000 on your CEBA loan?<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b63c7e e-con-full e-flex e-con e-child\" data-id=\"9b63c7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25fce50 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"25fce50\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeaab8a elementor-align-justify elementor-widget__width-inherit book-a-call elementor-widget elementor-widget-button\" data-id=\"eeaab8a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/meetings\/daire\/swoop-canada-round-robin\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a call<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa9d777 elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"aa9d777\" data-element_type=\"container\" id=\"sticky-banner-mini\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54af959 elementor-widget elementor-widget-image\" data-id=\"54af959\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"29\" height=\"29\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2022\/08\/close.svg\" class=\"attachment-full size-full wp-image-18794\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e9623e elementor-widget elementor-widget-heading\" data-id=\"0e9623e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">G<br>E<br>T<br><br>S<br>T<br>A<br>R<br>T<br>E<br>D<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e181938 e-con-full e-flex e-con e-parent\" data-id=\"e181938\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" data-core-v316-plus=\"true\">\n\t\t<div class=\"elementor-element elementor-element-cae080d e-flex e-con-boxed e-con e-child\" data-id=\"cae080d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-61bb3c9 e-con-full e-flex e-con e-child\" data-id=\"61bb3c9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9e8500 elementor-widget elementor-widget-heading\" data-id=\"a9e8500\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d26e5e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3d26e5e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59d66ec e-con-full cta-mobile-fixed elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet e-flex e-con e-parent\" data-id=\"59d66ec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f3d787 book-a-call elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"3f3d787\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/meetings\/daire\/swoop-canada-round-robin\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">BOOK A CALL<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79ccb4a elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"79ccb4a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/app.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1212ec4 e-con-full e-flex e-con e-parent\" data-id=\"1212ec4\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b615a5b elementor-widget elementor-widget-ucaddon_countdown_popup\" data-id=\"b615a5b\" data-element_type=\"widget\" data-widget_type=\"ucaddon_countdown_popup.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t \n <div class=\"section-countdown\" data-limit-date=\"01\/19\/2024\">\n <a id=\"button-close\" href=\"javascript:void(0);\"><i class='material-icons'>close<\/i><\/a>\n <div class=\"left-info\">\n <h2>Last chance to reduce your CEBA loan<\/h2>\n <p>Is your business one of the nearly 900,000 SMEs that took out a CEBA loan? If so, you could save up to $20,000 if you repay by January 18, 2024.<\/p>\n <\/div>\n <div class=\"right-info\">\n <div class=\"clock\"><\/div>\n <a id=\"countdown-cta\" title=\"Get started\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn btn-light btn-lg bt-form-sage-ceba-leads\">Get started<\/a>\n <\/div>\n <\/div>\n \n \n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af338f8 e-flex e-con-boxed e-con e-parent\" data-id=\"af338f8\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dac74d5 elementor-widget elementor-widget-ucaddon_form_sage_ceba_leads\" data-id=\"dac74d5\" data-element_type=\"widget\" data-widget_type=\"ucaddon_form_sage_ceba_leads.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\n\t\t\t<div class=\"modal fade modal-form\" id=\"modal_form_sage_ceba_leads\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal_form_sage_ceba_leads\" aria-hidden=\"true\">\n <div class=\"modal-dialog\" role=\"document\">\n\n \n <div class=\"modal-content\">\n <div class=\"modal-header\">\n <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n <span aria-hidden=\"true\">&times;<\/span>\n <\/button>\n <\/div>\n <div class=\"modal-body\">\n <div class=\"inputs-modal\">\n\n \n <form id=\"form-ceba-leads\" action=\"\/\" method=\"POST\">\n <input type=\"hidden\" name=\"origin\" id=\"origin\" value=\"wdec\">\n <input type=\"hidden\" name=\"robots\" id=\"robots\">\n <input type=\"text\" id=\"lead_source\" name=\"lead_source\" class=\"invisible\" value=\"Bdev\">\n <input type='text' name='source_marketing_website' id='source_marketing_website' value='CA'>\n <div class=\"step-1\">\n <p class=\"title-modal text-center\">Register your details and a Swoop Funding Manager will be in touch<\/p>\n \n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Name:<\/span>\n <input id=\"name\" type=\"text\" class=\"form-control\" name=\"name\" placeholder=\"Name\" required>\n <\/label>\n <\/div>\n\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Business name: <\/span>\n <input id=\"company\" type=\"text\" class=\"form-control\" name=\"company\" placeholder=\"Business name\" required>\n <\/label>\n <\/div>\n\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Phone number: <\/span>\n <input id=\"phone\" type=\"text\" class=\"form-control\" name=\"phone\" placeholder=\"Phone number\" required>\n <\/label>\n <\/div>\n\n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">Email: <\/span>\n <input id=\"email\" type=\"email\" class=\"form-control\" name=\"email\" placeholder=\"Email\" required>\n <\/label>\n <\/div>\n \n <div class=\"form-group\">\n <label class=\"label-fake\">\n <span class=\"inside-fake\">CEBA loan amount<\/span>\n <input id=\"ceba_loan_amount\" type=\"text\" class=\"form-control mask-money\" name=\"ceba_loan_amount\" placeholder=\"CEBA loan amount\" required>\n <\/label>\n <\/div>\n \n \n <div class=\"footer-form\" style=\"margin-top:20px;\">\n \n<div class=\"form-group margin-mobile\">\n <div class=\"form-check\">\n <input class=\"form-check-input form-inputs\" type=\"checkbox\" name=\"marketingconsentaccepted\" id=\"marketingconsentaccepted\">\n <label class=\"form-check-label small-label\" for=\"marketingconsentaccepted\">\n Send me updates on products, news and information on selected partners. <\/label>\n <\/div>\n\n <div class=\"form-check\">\n <input class=\"form-check-input form-inputs\" type=\"checkbox\" name=\"privacypolicyaccepted\" id=\"privacypolicyaccepted\" required>\n <label class=\"form-check-label small-label\" for=\"privacypolicyaccepted\">\n By clicking this button, you agree to our <a href=\"https:\/\/swoopfunding.com\/ca\/privacy-policy\/\" target=\"_blank\">Privacy policy<\/a> & <a href=\"https:\/\/swoopfunding.com\/ca\/terms-and-conditions\/\" target=\"_blank\">Terms of use<\/a>.\n <\/label>\n <div class=\"check-valid\"><\/div>\n <\/div>\n<\/div>\n <div class=\"out-buttom\">\n <input type=\"submit\" class=\"btn-register btn btn-primary btn-gradient btn-lg\" value=\"Register\" data-details='{\"action\": \"Submit Form\"}'>\n <\/div>\n <\/div>\n \n <\/div>\n <div class=\"step-2 d-none\">\n <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/themes\/swoopMW50\/assets\/images\/success.svg\" alt=\"Success\">\n <p class=\"title-modal text-center mt-2\">Thanks for registering.<\/p>\n <p>We'll get back to you straight away<\/p>\n <\/div>\n <\/form>\n <\/div>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CEBA loan forgiveness &#8211; what is it? How do I qualify? (updated) Is your business one of the nearly 900,000 SMEs that took out a CEBA loan? If so, you could save up to $20,000 if you repay or refinance by January 18, 2024. Read on to see how Swoop can help you save big. [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":0,"parent":25481,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"featured_image_urls":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable":"<p>CEBA loan forgiveness &#8211; what is it? How do I qualify? (updated) Is your business one of the nearly 900,000 SMEs that took out a CEBA loan? If so, you could save up to $20,000 if you repay or refinance by January 18, 2024. Read on to see how Swoop can help you save big. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 8, 2024. Next review due April 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in&hellip;<\/p>\n","category_list":"","author_info":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>CEBA loan forgiveness &#8211; what is it? How do I qualify? (updated) Is your business one of the nearly 900,000 SMEs that took out a CEBA loan? If so, you could save up to $20,000 if you repay or refinance by January 18, 2024. Read on to see how Swoop can help you save big. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on April 8, 2024. Next review due April 1, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/ca\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/28424"}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/comments?post=28424"}],"version-history":[{"count":14,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/28424\/revisions"}],"predecessor-version":[{"id":30606,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/28424\/revisions\/30606"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/25481"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=28424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}