ACCESS Community Capital Fund is a registered Canadian charity based in Toronto. ACCESS helps people in financial need in the Greater Toronto and Hamilton Area who want to achieve their dreams of starting small businesses or relaunching successful careers in Canada.

Applicant eligibility:

  • Canadian citizens, PR, or protected persons/convention refugees
  • 18 years or older
  • In financial need (i.e. those who cannot get a loan from banks due to no or lack of good credit history, low-income or no assets etc)
  • Up-to-date with their taxes Canada Revenue Agency (CRA)
  • Not in active consumer proposal or bankruptcy

Foreign Credential Recognition Loan Program (FCR):
This is a loan program for internationally educated professionals (newcomers) who want to relaunch their careers in Canada. We facilitate loans up to $15,000 to help newcomers pay for career-related expenses such as licensing and certification programs etc. More info:

Small Business Loan Program:
The Small Business Loan Program is for anyone who has a business idea but does not have access to funds through banks and other lenders to start or grow their business. We facilitate microloans up to $5,000 for first-time applicants and up to $10,000 for second-time applicants who have paid the first loan in good standing. We also assist eligible applicants to develop their business plans through our business coaches. More info:

Womens Business Accelerator Program (WBA):
This is a workshop series for newcomer women interested in starting a business in Canada. The topics covered include business planning, marketing, financial forecasting, and financial management among others. More info:

They have a few spots left in the Womens Business Accelerator Pogram (WBA) for newcomer women who have a business idea or are interested in starting on in Canada.
  • Program dates: October 5-November 23
  • Days: Mondays and Wednesdays
  • Time: 6:00 pm-8:30 pm
  • Where: Online via Zoom
  • Structure: Weekly facilitated sessions with a final pitch presentation for a chance to win $500 at the end of the program
  • Cost: FREE
  • To apply, visit:

ACCESS also facilitates info sessions and workshops on the above programs and financial empowerment topics such as “Building and Maintaining Good Credit History in Canada”.