Loan
Provincial
Active
Manitoba Trade Growth Investment Financing Program (TGIF)
Government of Manitoba — Department of Business, Mining, Trade and Job Creation
Loan Range
$250,000–$5,000,000 (repayable loan, up to 25% of total project...
Ongoing
Difficulty
Moderate
Payment
Loan
Trend
Stable
First-Timers
—
Financing share
25%
Manitoba Trade Growth Investment Financing Program (TGIF) provides up to $250,000–$5,000,000 (repayable loan, up to 25% of total project costs). Repayable government loan of $250,000 to $5,000,000 (up to 25% of total project costs) for Manitoba-based CCPCs and cooperatives investing in productivity-enhancing capital projects — equipment, facilities, IT, or infrastructure — with demonstrated economic benefits including export expansion, job creation, or workforce development. The program covers up to 25% of eligible costs. Applications are accepted on an ongoing basis.
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Eligibility & Details
What this program funds and who can apply
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Program Description
Repayable government loan of $250,000 to $5,000,000 (up to 25% of total project costs) for Manitoba-based CCPCs and cooperatives investing in productivity-enhancing capital projects — equipment, facilities, IT, or infrastructure — with demonstrated economic benefits including export expansion, job creation, or workforce development.
Eligibility Requirements
- Canadian-controlled private corporation (CCPC) or cooperative registered and in good standing in Manitoba
- Business must be permanently established in Manitoba
- Must contribute minimum 25% equity toward total project costs
- Must demonstrate ability to fund the remaining balance beyond the TGIF loan
- Project must be applied for before commencement of eligible activities
- Must demonstrate measurable economic benefits to Manitoba: trade/export growth, job creation/wage increases, or workforce development
- Three years of financial statements and T2 tax returns required (start-ups with compelling business plans may be considered)
- Project must involve business facility/infrastructure upgrades, equipment and machinery, or IT investments
Provinces
Industries
Business Stage
Quick Assessment
Difficulty
Moderate
Competition
Moderate
First-Timer
Not rated
Funding Details
- Amount
- $250,000–$5,000,000 (repayable loan, up to 25% of total project costs)
- Type
- Loan
- Level
- Provincial
- Financing share
- Up to 25% of eligible costs
- Deadline
- Ongoing
Program Scorecard
Competition, effort, and approval at a glance
Competition
Moderate
Deadline
Ongoing
Approval
Varies
Accessibility
--/5
Competition
--/5
Approval Rate
--%
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What's in this Playbook
Everything you need to secure TGIF
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 7 rejection pitfalls reviewers flag — so you catch them first
- 7-document checklist with what each reviewer is actually checking
- 5-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- 3-program stacking strategy to combine with compatible funding
- Success profile + evaluation criteria — exactly what lenders look for
$19 covers this one program. $39/mo covers every program, plus the workspace that walks you through each application.
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
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Insider TipApply before breaking ground on any project — TGIF explicitly excludes retroactive funding.
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See what trips up most applicants for this program — and how to avoid it.
Rejection Pitfalls 7
- Project started before application was submitted — retroactive funding is explicitly excluded
+6 more pitfalls
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Success Profile
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Evaluation Criteria
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Don’t lose this one to a preventable rejection
7 reasons applications get rejected, what approved applicants look like, and exactly what lenders look for
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Application Playbook
Step-by-step process, required documents, and expenses
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5 steps
7 docs
Application Steps
1
Complete Online Application Form Fill out the TGIF online application form on the Manitoba government website. Provide business information, project description, estimated costs, and expected economic benefits before starting any eligible project activities.
Required Documents 7
✓ Completed online TGIF application form
✓ Business plan (per program requirements)
Eligible Expenses 5
Ineligible Expenses 5
Deadline Notes
Ineligible Organizations
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Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
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3 partners
Compatible Programs
Manitoba Manufacturing Investment Tax Credit (MITC)
Business Development Bank of Canada (BDC) financing
Canada Small Business Financing Program (CSBFP)
Combined Funding Potential
See your total funding potential
Clawback Risk
Medium Risk
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How TGIF Compares
Side-by-side with similar programs
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| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| Manitoba Trade Growth Investment Fina... | $250,000–$5,000,000 | Moderate | Loan | Ongoing |
| Manitoba Manufacturing Investment Tax... | 8% | Easy | Tax Credit Offset | Ongoing |
| Business Development Bank of Canada (... | Varies | Easy | Loan | Ongoing |
| Canada Small Business Financing Program | Up to $1.15 million | Easy | Mixed (Advance + Reimb.) | Ongoing |
| Strategic Response Fund (formerly Str... | Minimum $10 million contribution | Hard | Mixed (Advance + Reimb.) | Ongoing — continuous... |
Related Programs
Other programs you might be eligible for
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Frequently Asked Questions
Quick answers to the questions founders most often ask about TGIF
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Is the TGIF a grant or a loan?
It is a repayable loan — not a grant. You must repay the full amount on terms up to 12 years. The benefit is access to government lending at determined interest rates where bank financing may be insufficient.
Can I apply after my project has started?
No — TGIF requires applications to be submitted and approved before any eligible project activities begin. Retroactive funding is explicitly excluded.
What equity contribution is required?
Applicants must contribute a minimum of 25% equity toward total project costs. The remaining balance can come from bank financing and the TGIF loan.
What industries are eligible for TGIF?
Manufacturing, food processing, agriculture, technology, and other sectors demonstrating trade growth or job creation potential. Priority projects address multiple economic objectives simultaneously.
Can TGIF be stacked with the Manitoba Manufacturing Investment Tax Credit?
Yes — TGIF is a repayable loan (not a grant), so it generally does not reduce the CCA base that drives the MITC tax credit. Both can apply to the same capital project.
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Full Playbook: TGIF
5 steps · 7 docs · reviewer insights