Thank you for supporting Nova Scotia's women in business. Find our members using our CWB Business Directory.

CWB COVID-19 Updates

March 28, 2020

Yesterday, Prime Minister Trudeau announced additional supports for small businesses facing impacts of COVID-19, including: 

  • 75% wage subsidies for qualifying businesses, for up to 3 months, retroactive to March 15, 2020 
  • Allowing businesses, including self-employed individuals, to defer all Goods and Services Tax/Harmonized Sales Tax (GST/HST) payments until June
  • Launching a new Canada Emergency Business Account for financial institutions to provide interest-free loans to small businesses
  • Launching a Small and Medium-sized Enterprise Loan and Guarantee program that will enable lending support through EDC and BDC
There has also been an order from the Minister of Municipal Affairs that states effective March 31 at 6 a.m., landlords are not permitted to change locks or seize property of businesses who cannot pay rent, if the business closed directly because of COVID-19 public health orders. 

The Nova Scotia Department of Business has put together rent deferral templates (linked on our COVID-19 Business Resources under Nova Scotia Department of Business) for both net and gross leases. The hope that tenants can engage their landlords in discussion, come to an agreement on rent deferral, and use this form to put it on paper. The templates provided defer rent for April, May and June and spread it out over the remaining period of a lease commencing on July 1, 2020. Landlords who enter into these agreements will be able to claim losses of rental income, but must have the rent deferral agreement in place by April 1 and register with the Department of Business by April 3 (by emailing 

Additional provincial supports include: 
  • Payment deferrals until June 30 on all government loans, including those under the Farm Loan Board, Fisheries and Aquaculture Loan Board, Jobs Fund, Nova Scotia Business Fund, Municipal Finance Corp. and Housing Nova Scotia.
  • Fees, including business renewal fees and workers compensation premiums, will be deferred. A list of applicable fees will be posted online early next week.
  • Changes to the Small Business Loan Guarantee Program, administered through 15 provincial Credit Unions, include deferring principal and interest payments until June 30. 
  • Other changes to the Small Business Loan Guarantee Program include enhancing the program to make it easier for businesses to access credit up to $500,000. For new loans, the first $100,000 will be fully guaranteed by the province. Other changes to this program will be announced soon. 
To help you navigate provincial regulations, the Office of Regulatory Affairs and Service Effectiveness have a team of Business Navigators that can help you. 

Staying Informed
More supports for small businesses will be announced in the coming days. Visit and for the most up-to-date information and notices. Tools for Your Business
It can be overwhelming to learn and implement new technologies as meetings, training and full businesses shift online. A few tools that we have heard our members using... 

For meetings
For team collaborationFor signing documentsFor taking paymentsOf course, there are more many more products and tools available. The CWB is not here to make recommendations, but to provide information, help you explore options, and support you in making the best decision for you and your business. 

A message of support

One of the best pieces of advice I have ever received and it has served me well for the past two decades is – own what’s yours and give the rest back. The burdens of the world are great right now. They are heavy. But we must not carry the collective weight of it by ourselves. It will break us. Instead, focus on what you can control – what’s in your sphere of control and/or influence – and gently place the rest in the hands of others. This is not an act of selfishness. It’s an act of selflessness and self-care. Simply put – do what you can, where you can, when you can. Focusing on things you can not control serves no purpose. Worrying about tomorrow only robs you of today. It’s exhausting, mentally and physically. So, during this time of great uncertainty and stress, I will move forward by 'owning what's mine, and giving the rest back.' Stay well, stay safe, and stay awesome! Virtual hugs to you all. - Nicole Osmond, Nicole Osmond Consulting

Share a message of support with the CWB community. 


Previous updates

NOTE: Gutter area that will be only visible to admins