# GovMoney

> Canadian SR&ED and government-grants advisory firm based in Whitby, Ontario. We prepare federal and provincial tax-credit claims, grant applications, and audit defence for Canadian businesses. Success-based fees; full CRA audit defence included.

GovMoney specializes in non-dilutive funding for Canadian businesses: Scientific Research & Experimental Development (SR&ED) tax credits, IRAP grants, Scale AI funding, CanExport applications, FedDev Ontario contributions, provincial tax credits (Ontario OITC/ORDTC/OIDMTC, Quebec CDAE, BC SR&ED, Alberta IEG), and 30+ other federal and provincial funding programs.

## Programs we cover (with dedicated practitioner guides)

### Federal grants and contributions
- [NRC IRAP](https://govmoney.ca/blog/nrc-irap-funding-guide): Cost-shared grants (60-80%) for R&D labour and subcontractors. Delivered through Industrial Technology Advisors. Most accessible federal R&D grant for Canadian SMEs.
- [Scale AI](https://govmoney.ca/blog/scale-ai-funding-guide): Canada's AI Global Innovation Cluster. ~33% project cost-share for AI commercialization, $1M+ typical project size, consortium-based.
- [FedDev Ontario Business Scale-up & Productivity](https://govmoney.ca/blog/feddev-ontario-bsp-guide): Up to $10M repayable contributions (0% interest) for Southern Ontario scale-ups.
- [Regional Development Agency BSP (PacifiCan, PrairiesCan, ACOA, FedNor, CED-Q)](https://govmoney.ca/blog/regional-development-agency-bsp-pan-canada-guide): Pan-Canadian BSP family covering BC, Prairies, Atlantic, Northern Ontario, Quebec.
- [Strategic Response Fund (SRF) — SIF successor](https://govmoney.ca/blog/strategic-response-fund-srf-guide): Federal large-scale anchor program. $20M+ minimum project, $10M+ federal contribution.
- [Regional Tariff Response Initiative (RTRI)](https://govmoney.ca/blog/regional-tariff-response-initiative-ontario): Southern Ontario tariff-response funding from FedDev. Reopened May 4, 2026 with +$1.5B.
- [CanExport SMEs](https://govmoney.ca/blog/canexport-smes-guide): Up to $50,000 (50% cost-share) for Canadian SMEs entering new international markets. Deadline May 29, 2026.
- [CanExport Innovation](https://govmoney.ca/blog/canexport-innovation-guide): Up to 75% cost-share ($37.5K per project, $100K per 12 months) for international R&D partnership development.
- [AAFC AgriMarketing Market Diversification](https://govmoney.ca/blog/agrimarketing-market-diversification-guide): Up to $100K per project (70% cost share) for Canadian agri-food SMEs entering non-traditional markets.
- [AAFC AgriScience (Projects + Clusters)](https://govmoney.ca/blog/aafc-agriscience-program-guide): Industry-led research $1M-$5M; multi-partner Clusters up to $15M over 5 years.
- [NSERC Alliance Grants](https://govmoney.ca/blog/nserc-alliance-grants-guide): NSERC matches industry partner contribution 2:1 (post-2023 simplification). Industry-academia research partnerships.
- [NSERC Discovery Horizons](https://govmoney.ca/blog/nserc-discovery-horizons-guide): $50K-$100K/year for up to 5 years for interdisciplinary research bridging NSE and non-NSE fields.
- [Mitacs Accelerate](https://govmoney.ca/blog/mitacs-accelerate-guide): $15,000 per 4-month grad-student research internship unit. Industry pays $7.5K, Mitacs matches.
- [IRAP Clean Technology Assistance Stream (CTAS)](https://govmoney.ca/blog/irap-ctas-cleantech-guide): Successor to SDTC. Cleantech R&D funding for Canadian SMEs through NRC IRAP ITAs.
- [SDTC transition to IRAP CTAS](https://govmoney.ca/blog/sdtc-transition-to-irap-ctas): Historical context — SDTC was wound down June 2024; cleantech mandate now delivered through IRAP CTAS.
- [Low Carbon Economy Fund (LCEF)](https://govmoney.ca/blog/low-carbon-economy-fund-lcef-guide): ECCC flagship climate program. 25-75% cost-share for verified GHG-reduction projects, $1M-$50M+ Champions Stream.
- [NRCan Clean Fuels Fund](https://govmoney.ca/blog/nrcan-clean-fuels-fund-guide): NRCan's $1.5B program for hydrogen, RNG, biofuels production. Up to $50M per capital project at 30% cost-share.
- [Innovative Solutions Canada (ISC) — Challenge & Testing](https://govmoney.ca/blog/innovative-solutions-canada-isc-guide): Federal procurement-innovation program. Phase 1 up to $150K, Phase 2 up to $1M.
- [IDEaS — Defence Innovation](https://govmoney.ca/blog/ideas-defence-innovation-guide): DND's flagship innovation program. Competitive Projects, Test Drives, Contests. $200K-$5M+.
- [NGen — Advanced Manufacturing Cluster](https://govmoney.ca/blog/ngen-manufacturing-supercluster-guide): Global Innovation Cluster for advanced manufacturing. Consortium projects, 33-44% cost share, free membership.
- [DIGITAL Cluster](https://govmoney.ca/blog/digital-supercluster-funding-guide): BC-headquartered digital-tech Global Innovation Cluster. Up to 50% cost-share. Vancouver HQ.
- [NOHFC — Northern Ontario Heritage Fund](https://govmoney.ca/blog/nohfc-northern-ontario-heritage-fund-guide): Provincial Northern Ontario fund. ~$110M/yr across Grow, Launch, Locate, Innovation, Talent streams.
- [SWPP — Student Work Placement Program](https://govmoney.ca/blog/swpp-program-guide): ESDC wage subsidies up to $5,000 per student (50% of wages) via sector delivery partners.
- [Digital Skills for Youth (DS4Y)](https://govmoney.ca/blog/digital-skills-for-youth-guide): ISED wage subsidies up to $30,000 per intern for digital-economy hires.
- [IRAP Youth Employment Program (YEP)](https://govmoney.ca/blog/irap-yep-youth-employment-guide): Wage subsidy up to $30K per youth hire through NRC IRAP. Requires active ITA engagement.
- [Canada-Ontario Job Grant (COJG)](https://govmoney.ca/blog/canada-ontario-job-grant-guide): Up to $10,000 per employee for training. Currently paused.
- [BMO Celebrating Women Grant](https://govmoney.ca/blog/bmo-celebrating-women-grant-guide): $10,000 grants to 10 Canadian women + non-binary-owned businesses per year. UN SDG-aligned applications, 60-120 second video pitch. 2026 cycle closed (April 2-23, 2026); next cycle expected spring 2027.
- [Ontario Trillium Foundation (OTF) Seed Grant](https://govmoney.ca/blog/otf-seed-grant-guide): Provincial Ontario grant for non-profits piloting new community programs. $10,000-$100,000 per year. Next intake: July 22 — August 19, 2026.

### Tax credits (federal)
- [SR&ED — Scientific Research & Experimental Development](https://govmoney.ca/blog/sred-explained): Canada's flagship R&D tax credit. Up to 35% refundable for CCPCs on the first $6M of qualified expenditures.
- [SR&ED 2.0 — Draft legislation](https://govmoney.ca/blog/sred-2-draft-changes): Analysis of the proposed SR&ED 2.0 reforms — structural changes, claimant impacts, transition.
- [Federal Budget 2025 SR&ED changes](https://govmoney.ca/blog/budget-2025-sred-changes): Increased expenditure limits, refundable credits for public corps, capital expenditure reinstatement.
- [Clean Technology Investment Tax Credit](https://govmoney.ca/blog/clean-tech-itc-guide): 30% refundable federal credit on eligible clean-tech equipment. Phases down after 2033. Labour requirements apply for full rate.

### Tax credits (provincial)
- [Provincial SR&ED stacking — OITC, ORDTC, BC, QC, AB](https://govmoney.ca/blog/provincial-sred-secrets): How to stack provincial SR&ED top-ups on the federal credit.
- [Ontario Innovation Tax Credit (OITC)](https://govmoney.ca/blog/ontario-innovation-tax-credit-oitc): 8% refundable on eligible Ontario SR&ED expenditures. $3M expenditure cap.
- [Ontario R&D Tax Credit (ORDTC)](https://govmoney.ca/blog/ontario-rd-tax-credit-ordtc): 3.5% non-refundable on eligible Ontario SR&ED. No expenditure cap. 20-year carryforward.
- [Ontario Interactive Digital Media Tax Credit (OIDMTC)](https://govmoney.ca/blog/ontario-interactive-digital-media-tax-credit-oidmtc): Up to 40% refundable on Ontario digital media labour.
- [Ontario Made Manufacturing Investment Tax Credit (OMMITC)](https://govmoney.ca/blog/ontario-made-manufacturing-investment-tax-credit-guide): 15% refundable on Ontario manufacturing buildings and equipment (post-Budget 2025).
- [Ontario Film and Television Tax Credit (OFTTC)](https://govmoney.ca/blog/ontario-film-television-tax-credit-ofttc-guide): 35% refundable on Ontario labour; 40% on first-time productions; +10% regional bonus.
- [Quebec CDAE — E-Business Development Tax Credit](https://govmoney.ca/blog/quebec-cdae-tax-credit-guide): Up to 30% on Quebec IT salaries (24% refundable + 6% non-refundable).
- [BC SR&ED Tax Credit](https://govmoney.ca/blog/bc-rd-tax-credit-guide): 10% refundable (CCPCs) / 10% non-refundable (other corps). $6M expenditure cap post-Dec 2024. Permanent as of BC Budget 2026.
- [BC Interactive Digital Media Tax Credit (BC IDMTC)](https://govmoney.ca/blog/bc-interactive-digital-media-tax-credit-bcidmtc-guide): 25% refundable on BC digital media wages (post-Sept 2025 rate increase).
- [Alberta Innovation Employment Grant (IEG)](https://govmoney.ca/blog/alberta-innovation-employment-grant-guide): 8% base + 12% enhanced (up to 20%) refundable on eligible Alberta R&D.

### AI-specific funding
- [Scale AI](https://govmoney.ca/blog/scale-ai-funding-guide)
- [AI Compute Access Fund](https://govmoney.ca/blog/ai-compute-access-fund-guide): ISED's domestic-compute subsidy. $100K-$5M covering up to 66% of Canadian GPU/cloud costs.

### Vouchers and academic partnerships
- [OCI Vouchers — Ontario Centres of Innovation](https://govmoney.ca/blog/oci-vouchers-ontario-guide): VIP I/II, TalentEdge, SOSCIP — Ontario academia-industry collaboration vouchers.

## SR&ED methodology and compliance
- [Technical narratives — the S/THERI framework](https://govmoney.ca/blog/technical-narrative-guide): How to write CRA-defensible SR&ED narratives using S/THERI and IC 2012-02.
- [Top 10 SR&ED red flags that trigger CRA audits](https://govmoney.ca/blog/sred-red-flags): The patterns that draw CRA review, based on direct claim preparation experience.

## Tools
- [Grant Finder](https://govmoney.ca/grant-finder): Personalized matching of 80+ Canadian funding programs based on your business size, sector, and province. Filters by industry and region.
- [SR&ED Calculator](https://govmoney.ca/#calculator): Estimate your potential SR&ED refund.

## About
- [About GovMoney](https://govmoney.ca/about): Practitioner team based in Whitby, Ontario. 10+ years SR&ED experience. Success-based fees.
- [Partner with GovMoney](https://govmoney.ca/partner): Referral, co-marketing, white-label options for accountants, law firms, accelerators, VCs.
- [Careers](https://govmoney.ca/careers)
- [Press](https://govmoney.ca/press)

## Contact
- Email: [info@govmoney.ca](mailto:info@govmoney.ca)
- Book a call: [calendly.com/govmoney-info/30min](https://calendly.com/govmoney-info/30min)
- Location: Whitby, Ontario, Canada
- Service area: All of Canada (federal programs); Ontario, Quebec, British Columbia, Alberta, and other provinces (provincial credits)