The digital economy is no longer the future—it’s the present. For Canadian businesses looking to modernize, grow, and stay competitive, embracing digital tools is a must. That’s where the Canadian Digital Adoption Program (CDAP) comes in.
Backed by the Government of Canada, CDAP provides funding, expert support, and interest-free financing to help businesses transition into the digital age. Whether you want to enhance your e-commerce presence or implement new technologies, this program can give you the tools—and funding—you need to move forward.
What Is CDAP?
CDAP offers two distinct funding streams, depending on where your business is in its digital journey:
1. Grow Your Business Online
A $2,400 micro-grant designed to help small businesses develop or upgrade their e-commerce capabilities.
2. Boost Your Business Technology
A $15,000 grant to work with a certified Digital Advisor on a personalized Digital Adoption Plan. Once completed, eligible businesses can also apply for:
Up to $100,000 in interest-free loans
A $7,300 wage subsidy to hire skilled youth to help implement your plan
Who Qualifies?
Boost Your Business Technology – $15,000 Grant + $100K Loan
You may be eligible if your business:
Is for-profit and Canadian-owned
Is incorporated or a sole proprietorship
Has 1 to 499 employees
Earned at least $500,000 (but less than $100M) in revenue in 1 of the last 3 tax years
Grow Your Business Online – $2,400 Grant
You may be eligible if your business:
Is for-profit and registered or incorporated
Sells directly to consumers (B2C)
Has either 1+ employee (excluding owner) or earned $30,000+ in the past year
Will use the funds to build or improve e-commerce (note: full redesigns are not covered; functional upgrades are)
Ineligible businesses include: franchises, multi-level marketing companies, real estate brokerages, drop-shippers, and wholesalers or manufacturers who do not sell directly to consumers.
How to Access the $100,000 Interest-Free Loan
To apply for the loan and youth hiring subsidy, your business must first complete a digital adoption plan—either through CDAP or an equivalent program that’s recognized by CDAP.
Loan Details:
$25,000 to $50,000 for businesses earning $500K–$5M
$25,000 to $100,000 for businesses earning over $5M
5-year repayment term with a 1-year grace period
Application deadline: within 6 months of completing your digital plan
Credit requirement: minimum score of 650
Eligible Expenses Include:
New or upgraded technology and hardware
Implementation and installation
Staff training on new systems
Related advisory or consulting services
How Bayram Financial Makes CDAP Easy
Applying to CDAP doesn’t need to be complicated. At Bayram Financial, we guide you through a simple four-step process:
Set up your CDAP profile
Verify your eligibility
Collaborate with a certified Digital Advisor to develop your transformation plan
Claim your grant—and prepare for loan funding or hiring subsidies
We’ve helped countless business owners access government funding to future-proof their companies. Whether you’re applying for your first grant or ready to scale with new technologies, we make sure you’re equipped for success.
Take Your Business Digital—With Bayram Financial
CDAP is more than just a funding program—it’s an opportunity to reshape your business for the future. With grants, interest-free financing, and wage subsidies all on the table, now is the time to digitize, scale, and innovate.
Let Bayram Financial be your partner in digital transformation. Reach out today to find out how we can help you unlock CDAP funding and take your business to the next level.
Your next chapter starts now. Let’s build it together.