Rebuilding Canada's small business promise

Fewer Canadians are starting and keeping businesses than at any point in a generation.

Business owners need a new social contract

This includes greater access to capital and economic stability that make the risks of business ownership worth taking. We have the ideas for a new contract. Dive in.

Business ownership has lost its lustre.

A generation ago, more than one in six working Canadians worked for themselves. Today it is closer to one in eight.

The sharpest decline is among micro-business owners. Regular businesses that hire people and hold up local economies. Peer nations like the U.S. and France keep generating new main street businesses. Canada has flatlined.

The businesses that survive face harsh headwinds like spiking fixed costs and rent. The barista and the cafe owner are facing the same challenges, expensive housing and global instability that leave less for personal investment. Neither can get ahead in today's environment alone. Which is why we're calling for systemic fixes to Canada's entrepreneurship crisis.

A new social contract for owners and workers.

Canada was built with a strong social promise, we need to rebuild this promise for main streets to succeed.

Business owners, non-profits, and workers all benefit from modernizing SME supports. The recommendations below form a cohesive pathway, from starting a business to the jobs they create. Filter by level of government to see what action they can take, or visit commercialrent.ca to dive into our commercial real estate reforms.

Filter by level of government:
Right Start

Capital, planning, and recognition, so starting a business doesn't take luck or family money. Canada's business start rate has fallen for a generation. Fixing access to capital and recognition will help reverse this.

Federal
A micro-business designation
Recognize the over 70% of Canadian businesses with 1 to 9 employees as a distinct category in law and statistics, so policy stops overlooking them.
FederalFair markets
Capital access
Help more micro and small owners buy their storefronts and exit volatile rental markets, including a modernized small business financing program.
ProvincialFederalFair markets
A Main Street Capital Pilot
Low-interest, easy-to-apply-for loans of $10,000 to $50,000 for one-to-nine-person firms, so an owner can buy a storefront or invest instead of being at the mercy of the rental market. We are asking both Ontario and the federal government to run it, so a micro-business anywhere in the country can reach it.
Fair markets

Once a business opens, it needs a fair shot at staying open. Canada's small business economy has become high-risk and low-reward, squeezed by consolidation, oligopoly, and rules written for the biggest player in the room. The playing field can be levelled.

ProvincialGood jobs
Transit as business infrastructure
Full GO electrification, 15-minute frequency, and a return of the provincial operating funding cut in the 1990s, so workers and customers can actually reach main street.
Municipal
Incentives for right-sized retail
Guide developers toward smaller ground-floor spaces that fit the needs of small and micro-businesses, instead of units only chains can fill.
Municipal
Community ownership of storefronts
Support for models like the Kensington Market land trust, testing how community-owned commercial space affects small business stability and local wealth.
Municipal
More commercial inspectors
Enough inspection capacity to enforce safety and lease terms, so a landlord cannot ignore a sewage leak or a broken agreement and the rules finally have teeth.
Municipal
Cultural corridors
Let cities offer space at below-market rates to anchor businesses and non-profits that hold a neighbourhood's character, from cultural districts to community services.
Federal
Extend the Housing Accelerator Fund to commercial
Tie right-sized retail supply to Housing Accelerator Fund releases, so the neighbourhoods it funds are genuinely complete, with the small-format commercial space local businesses can actually afford.
Stable costs

The cost of staying open, made predictable. Rent, insurance, and utilities have climbed far faster than inflation over the last decade, and they are closing businesses that are otherwise working. Governments can write rules so one landlord's letter cannot end a decade of work.

Provincial
Fix the Insurance Squeeze
Eliminate the IPT and RST charged on small business insurance for the self-employed and firms up to 20 employees, phasing out to 50, so a basic fixed cost stops being taxed twice.
Provincial
Utility Relief
Targeted relief on hydro and other utilities for small businesses under 20 employees, so keeping the lights on does not price out the smallest firms.
Municipal
A Main Street Displacement Observatory
A neighbourhood-scale map of where and why commercial tenants get pushed off main street, so a city can measure displacement and act on it.
Municipal
A Broken Glass benefit
A fast grant or credit that a business or a landlord can apply for to repair broken glass and other vandalism, designed to pay out quickly enough to actually help.
Good jobs and healthy people

Good jobs are where the Better Way Alliance started, and remain at the core of our economic development framework. A business steady enough to pay a fair wage and grant a sick day keeps its people, and a worker paid enough to spend locally is the customer keeping the business next door open.

Provincial
Close the drug coverage gap
Move toward universal public pharmacare, the model Quebec has run since 1997, so prescription coverage is a baseline owners and workers can count on, not a means-tested program people fall through.
Provincial
Paid sick days and fair scheduling
Standards that reduce worker instability, which is also business instability, and build a more resilient, profitable economy.
Provincial
The Good Jobs Accelerator
A program to help more small businesses adopt good-jobs practices faster, with support that pays for itself in lower turnover.
Federal
A Good Jobs Tax Credit
A refundable credit covering half the wage gap above 15 percent over minimum wage, up to the regional living wage, so paying people well costs an owner less.
Federal
National pharmacare
Complete the national pharmacare rollout begun under the Pharmacare Act, so prescription coverage never depends on the size of the business you work for or own.

We don't just advocate. We move things.

A sample of our advocacy wins and momentum building. Tap through below on the stylish yellow button to see the full portfolio.

2017

Ontario's $15 minimum wage

We were the lead business voice making the economic case for the increase, reframing a higher wage as a stronger customer base.

MAY 2024

Toronto Motion MM18.24

City Council voted 21 to 1 to ask Ontario for commercial rent control, a dispute tribunal, and standardized leases. The basis for a Commercial Renter Bill of Rights.

Read the motion ›
2024

New Westminster and beyond

New Westminster Council asked B.C. for the power to enable commercial rent controls in designated zones, a resolution later endorsed by the Union of BC Municipalities.

2026

Supreme Court of Canada

We were granted leave to intervene in Aphria Inc. v. Canada Life Assurance Company and argued before the Court on whether commercial landlords must mitigate damages when a tenant leaves. Decision pending.

View the case ›

See the full record of momentum and wins