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Manitoba Gap Protection Program (MGPP)


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Program Description

  • The $120 million Manitoba Gap Protection Program (MGPP) for business provides a one-time $6,000 non-interest bearing forgivable loan to Manitoba small and medium-sized businesses that have experienced hardships in Manitoba as a result of the COVID-19 pandemic and related public-health orders. 
  • The loan is forgiven on December 31, 2020 if recipients declare at that time that they have not received any non-repayable COVID-19 federal supports greater than $6,000
  • Application deadline is July 31, 2020*

*The application deadline is subject to change as determined by the Manitoba Government

Loan Forgiveness

  • The MGPP provides a non-interest bearing forgivable loan in the amount of $6,000.
  • Eligibility to receive the loan will be based on information provided in the application form.
  • In January 2021, MGPP loan recipients will be asked to provide a declaration that they have not received any “federal government COVID-19 grant support” greater than $6,000 in the calendar year ending December 31, 2020. Upon making the declaration, the loan is forgiven.
  • If the recipient cannot make the declaration, and has received “federal government COVID-19 grant support” greater than $6,000 in the calendar year ending December 31, 2020, the MGPP non-interest bearing loan is repayable by March 31, 2021.

What constitutes Federal Government Support

  • A “federal government COVID-19 grant support” is defined to mean any non-repayable financial contribution greater than $6,000 administered by the Government of Canada, federal crown corporation, or related agency, under a program specifically designed to address the COVID-19 pandemic.
  • For greater certainty, “federal government COVID-19 grant support” includes programs that are non-repayable, such as the Canada Emergency Wage Subsidy (CEWS), the Canada Emergency Business Account (CEBA), the Canada Emergency Commercial Rent Assistance (CECRA), the Canada Emergency Response Benefit (CERB) and the various sector-specific grant programs developed in response to the COVID-19 pandemic. This includes current programs and those that may be announced in the future.
  • Exclusions include federal loans (if there are no amounts forgiven), loan guarantees, and normal course federal assistance programs, such as supports from Export Development Canada and the Business Development Bank of Canada, or normal course federal government grants.



Eligibility Criteria

To receive support from the MGPP, a business must meet ALL of the following criteria

  • Be a permanent, Manitoba-based business operating in the Province of Manitoba;
  • Have been operational on March 20, 2020 (the date the Manitoba government declared a province-wide state of emergency under The Emergency Measures Act to protect the health and safety of all Manitobans and reduce the spread of COVID-19);
  • Be a for profit sole proprietor, partnership, corporation or co-operative;
  • Have temporarily ceased or curtailed operations as a result of a COVID-19 public health order;
  • Have had their Manitoba-based business “harmed” by the public health orders;
  • Have not received federal government COVID-19 grant funding support, and do not intend to apply for and receive previously announced federal government COVID-19 non-repayable funding support;
  • Possess an active and valid Business Number prior to March 20, 2020;
  • Be registered, and in good standing with the Companies Office (not required for sole proprietors);
  • Have an e-mail address and a valid business bank account.

All businesses harmed by the COVID-19 public health orders that meet the criteria may apply other than:

  • Businesses who were in arrears for taxes owing to Manitoba on March 20, 2020 (i.e., before the state of emergency), and that have not yet since rectified this amount in arrears (note: this would not include businesses that have deferred taxes as a result of COVID-19 relief programs to defer tax remittances); 
  • Businesses who conduct multilevel marketing and passive businesses or corporate entities that do not exist for the purpose of carrying on an active business in Manitoba;
  • Businesses that currently have an active Manitoba Business Start Loan Guarantee, a loan under the Manitoba Industrial Opportunities Program, or an agreement under The Community Revitalization Tax Increment Financing Act; and
  • Day care facilities, charities and not-for-profit organizations.

Application Process

  • Loan eligibility is based on information provided in the application form. Loans will be approved based on meeting the eligibility requirements.
  • We will contact funding recipients in January 2021 to determine eligibility for the loan forgiveness component of the MGPP. If the business has not received non-repayable federal COVID-19 supports greater than $6,000, the loan will be forgiven.
  • Applicants will receive confirmation from the Manitoba Government as to their status for loan forgiveness.

What happens if I accept federal support greater than $6,000 prior to December 31, 2020?

  • The loan will be due in full to the Manitoba Government by March 31, 2021.



Application

Application Documents

Prior to proceeding to the online application, ensure you have the following information ready:

  • You will need your Business Number, and if applicable, your Companies Office Registry Number, your WCB and RST account numbers
  • If you are a sole proprietor or partnership, you will need the applicant and one other partner’s SIN number
  • The number of employees
  • The business bank account information

If you require assistance in completing the online form, please contact the Manitoba Economic Assistance Office at 1-888-805-7554.

FILL OUT THE APPLICATION FORM




Common Questions and Answers


You are eligible to apply for this program if you are a Manitoba business and the following conditions apply to your situation:

  • Have been operational on March 20, 2020 (the date the Manitoba government declared a province-wide state of emergency under The Emergency Measures Act to protect the health and safety of all Manitobans and reduce the spread of COVID-19);
  • Be a sole proprietor, partnership, corporation or co-operative;
  • Have temporarily ceased or curtailed operations as a result of a COVID-19 public health orders;
  • Have had your Manitoba-based business “harmed” by the public health orders;
  • Have not received federal government COVID-19 grant funding support, and do not intend to apply for and receive previously announced federal government COVID-19 non-repayable funding support;
  • Possess a active and valid Business Number prior to March 20, 2020;
  • Be registered, and in good standing with the Companies Office (not required for sole proprietors)
  • Have an e-mail address and a valid business bank account.

Applications must be submitted on or before July 31, 2020.*

*The application deadline is subject to change as determined by the Manitoba Government


All businesses harmed by the COVID-19 public health orders that meet the criteria may apply other than:

  • Businesses who were in arrears for taxes owing to Manitoba on March 20, 2020 (i.e., before the state of emergency), and that have not yet since rectified this amount in arrears (note: this would not include businesses that have deferred taxes as a result of COVID-19 relief programs to defer tax remittances); 
  • Businesses who conduct multilevel marketing and passive businesses or corporate entities that do not exist for the purpose of carrying on an active business;
  • Businesses that currently have an active Manitoba Business Start Loan Guarantee, a loan under the Manitoba Industrial Opportunities Program, or an agreement under The Community Revitalization Tax Increment Financing Act; and
  • Day care facilities, charities and not-for-profit organizations.

Your business must meet the eligibility requirements for the MGPP. If you have a registered Manitoba business as of March 20, 2020 and are in a start-up phase, you are still eligible to apply.


You may apply directly to the program via the online application. To apply you will need to have the following information ready:

  • Possess a valid Business Number;
  • Be registered, and in good standing with the Companies Office (not required for sole proprietors)
  • If you are a sole proprietor or partnership, you will need the applicant and one other partners’ SIN number
  • The number of employees
  • The business bank account information

Eligible businesses will receive a one-time lump-sum payment in the form of a conditional forgivable-loan in the amount of $6,000.

The funds will be electronically deposited into the business bank account, with a confirmation email from the program.


If approved, your payment will be electronically deposited into your business bank account within a few business days.


No, only one loan of $6,000 is permitted per Business Number. If your business partner has applied and received confirmation of adjudication, you would not be eligible to apply twice.


If your online application was not successfully submitted, verify that the information you submitted in the online form matches your official business documentation name, address and Business Number.

Ensure that all required fields are completed and that you have completed the Declaration and Consent.

If further assistance is required, please contact the Manitoba Economic Assistance Office at 1-888-805-7554. The contact centre will assist you in completing the application.

That depends on whether you received any additional non-repayable federal government COVID-19 support. If you received non-repayable federal funding greater than $6,000 in the calendar year ending December 31, 2020, then you will be required to repay the loan by March 31, 2021.


A “federal government COVID-19 grant support” is defined to mean any non-repayable financial contribution greater than $6,000 administered by the Government of Canada, federal crown corporation, or related agency, under a program specifically designed to address the COVID-19 pandemic.


Reimbursement of the loan can be made any time between now and March 31, 2021. The interest on the loan is 0%. For additional details, or to make a payment arrangements, contact the program Administration Office at (204) 948-2115.


By applying for the Manitoba Gap Protection Plan, and accepting the deposited funds, you agree to the following:

  • To provide additional details and declaration in January 2021 as to whether the business has received ‘federal COVID-19 non-repayable business supports’ as defined on the program website portal, to assess your eligibility for loan-forgiveness.
  • If the business has not received federal supports for business, the loan will be forgiven and your obligation to the Manitoba Government will be nullified.
  • If the business has benefitted from federal support, you agree to repay the loan to the Manitoba Government by March 31, 2021.

We will contact loan recipients in January 2021 to determine your eligibility for the loan forgiveness component of the program.

  • If your business receives aggregate federal funding greater than $6,000 in the calendar year ending December 31, 2020, the loan will be due in full by March 31, 2021.
  • If it is determined that the business has not benefited from federal COVID-19 supports greater than $6,000, then the loan will be forgiven in full and no payment will be due to the Manitoba Government.

Contact the Manitoba Economic Support Centre at 1-888-805-7554.