加拿大家园论坛

召集帖:OSEB或者小生意人士

原文链接:https://forum.iask.ca/threads/361950/

alberto : 2010-07-13#1
现在参加OSEB计划或者自己有小生意计划,
居住在大多地区的人士,有空一起交流交流。

admin : 2010-07-13#2
回复: 召集帖:OSEB或者小生意人士

OSEB是什么东东?

alberto : 2010-07-13#3
回复: 召集帖:OSEB或者小生意人士

Self Employment Benefit Program。

neutral : 2010-07-13#4
回复: 召集帖:OSEB或者小生意人士

帮顶。

大两 : 2010-07-14#5
回复: 召集帖:OSEB或者小生意人士

现在参加OSEB计划或者自己有小生意计划,
居住在大多地区的人士,有空一起交流交流。


楼主有什么小生意的点子没有?可以说出来,
要是有志同道合的园友,大家也好一起有个念想。

alberto : 2010-07-14#6
回复: 召集帖:OSEB或者小生意人士

电子产品的进出口。

阳光家园 : 2010-07-14#7
回复: 召集帖:OSEB或者小生意人士

SEB已经混过了的筒子路过。好东东,想自己干的筒子值得关注的政府资助计划。

alberto : 2010-07-14#8
回复: 召集帖:OSEB或者小生意人士

SEB已经混过了的筒子路过。好东东,想自己干的筒子值得关注的政府资助计划。
已经完成计划啦?什么时候讨教讨教?

大两 : 2010-07-14#9
回复: 召集帖:OSEB或者小生意人士

电子产品的进出口。


嗯,一到这里就发现了,这儿的电子产品真是贵了,越是小的东西,相对来说,国内的越有优势。不过设想中的销售是什么模式呢?走批发渠道还是自主零售?网店好像不太可能,这儿的物流配送成本太高了。



.

阳光家园 : 2010-07-14#10
回复: 召集帖:OSEB或者小生意人士

已经完成计划啦?什么时候讨教讨教?

2007年完成的,讨教谈不上,交流可以!

阳光家园 : 2010-07-14#11
回复: 召集帖:OSEB或者小生意人士

电子产品的进出口。

嗯,一到这里就发现了,这儿的电子产品真是贵了,越是小的东西,相对来说,国内的越有优势。不过设想中的销售是什么模式呢?走批发渠道还是自主零售?网店好像不太可能,这儿的物流配送成本太高了。

哪些电子产品?

一些电子产品是要专门认证的,这方面一定要弄清楚。

atoz : 2010-07-14#12
回复: 召集帖:OSEB或者小生意人士

报名
有活动吆喝一声:wdb10::wdb10:

alberto : 2010-07-14#13
回复: 召集帖:OSEB或者小生意人士

医疗保健电子设备类。

wisdom : 2010-07-14#14
回复: 召集帖:OSEB或者小生意人士

帮助顶一下,我感觉这边的小生意比大生意难做,实践一下就知道了,别笑我。

天涯 : 2010-07-14#15
回复: 召集帖:OSEB或者小生意人士

自有资金不能太多也不能太少,根据所开生意的类别的不同。最好请教一下有经验的人士。申请的成功与否也许就差一点点东西。

英语起码得有LINC五级这样的水平,五级以下的基本没戏。最后有一个presentation and interview。这个阶段非常关键。

还要有很好的计划,市场调研的东西,做得好一点,显得有一定的专业水准,这样有可能更顺利通过。

nickaihua : 2010-07-14#16
回复: 召集帖:OSEB或者小生意人士

学习

alberto : 2010-07-19#17
回复: 召集帖:OSEB或者小生意人士

现在开始市场调研的阶段,确实有点难度。

David Liu : 2010-07-19#18
回复: 召集帖:OSEB或者小生意人士

OSEB好像关闭了一段时间,重新启动了吗?

alberto : 2010-07-19#19
回复: 召集帖:OSEB或者小生意人士

4月重新开始的,现在好像批的也不慢。

frame9898 : 2010-07-19#20
回复: 召集帖:OSEB或者小生意人士

便利店.冒水喘口气先.:wdb20:

alberto : 2010-07-19#21
回复: 召集帖:OSEB或者小生意人士

便利店.冒水喘口气先.:wdb20:
不用这么紧张吧?都没有时间喘气?

jumpingmouse : 2010-07-20#22
回复: 召集帖:OSEB或者小生意人士

很感兴趣 ,能具体谈谈什么是SEB吗?第一次听说,正在寻找生意机会呢

alberto : 2010-07-20#23
回复: 召集帖:OSEB或者小生意人士

Self employmeny Benefit.
政府提供的培训和生活补助计划。在安省是OSEB。

sjysxl : 2010-07-20#24
回复: 召集帖:OSEB或者小生意人士

听说现在申请资助开店的2万取消了?是这样吗?

alberto : 2010-07-20#25
回复: 召集帖:OSEB或者小生意人士

听说现在申请资助开店的2万取消了?是这样吗?
没有取消,这个是生活资助,用于培训期间的,不是资助开店的。
OSEB是个培训计划,不是资助计划。

alberto : 2010-07-21#26
回复: 召集帖:OSEB或者小生意人士

哪位参加过这个计划或者已经完成market Research部分的?
有问题请教!!谢谢!

alberto : 2010-07-22#27
回复: 召集帖:OSEB或者小生意人士

有关医疗电子或者医疗行业的杂志在多伦多地区主要有哪些呢?

苏而 : 2010-07-22#28
回复: 召集帖:OSEB或者小生意人士

有关医疗电子或者医疗行业的杂志在多伦多地区主要有哪些呢?

不晓得你是否听说过Burladge这个公司,专门做医疗行业里餐饮这块的机械电子产品,挺成功的,基本占领了俺所知道的安省所有医院.

alberto : 2010-07-23#29
回复: 召集帖:OSEB或者小生意人士

不晓得你是否听说过Burladge这个公司,专门做医疗行业里餐饮这块的机械电子产品,挺成功的,基本占领了俺所知道的安省所有医院.
没有听说过,谢谢先!马上上网研究一下。

alberto : 2010-07-23#30
回复: 召集帖:OSEB或者小生意人士

医院餐饮设备,倒是独特的市场,不知道医院的食品主要由哪些公司供应的呢?

alberto : 2010-07-24#31
回复: 召集帖:OSEB或者小生意人士

有人熟悉加拿大的医疗杂志吗?
医生常看那些专业杂志?

苏而 : 2010-07-24#32
回复: 召集帖:OSEB或者小生意人士

医院餐饮设备,倒是独特的市场,不知道医院的食品主要由哪些公司供应的呢?

主要是sysco, 偶尔还有一些小公司,但基本都做不过他家.
我们学采购的时候,是一定有网上sysco的采购作业,因为工作肯定会用上.

alberto : 2010-07-25#33
回复: 召集帖:OSEB或者小生意人士

市场还是蛮垄断的么。

水中梦 : 2010-07-25#34
回复: 召集帖:OSEB或者小生意人士

:wdb10::wdb17:LZ能否说下申请的过程?

alberto : 2010-07-26#35
回复: 召集帖:OSEB或者小生意人士

申请的过程挺简单的啊。
1. 见Employment Consultant,出一份建议自雇的Reference。
2. 参加一些机构组织的OSEB的Orientation.
3. Orientation后Home Work,见培训机构的Conselor。
4. 培训机构交申请报告,然后就是等待批准啦。

alberto : 2010-07-26#36
回复: 召集帖:OSEB或者小生意人士

请有经验的TX介绍一下SWOT和Supplier Analysis的心得吧。

Flying Dragon : 2010-07-26#37
回复: 召集帖:OSEB或者小生意人士

随便找几个写上去就可了。

alberto : 2010-07-26#38
回复: 召集帖:OSEB或者小生意人士

谢谢!

alberto : 2010-07-27#39
回复: 召集帖:OSEB或者小生意人士

现在还有一个YEP(Young Entrepreneur Program),准对34岁以下的有自己创业的人士,条件比OSEB低。

Flying Dragon : 2010-07-31#40
回复: 召集帖:OSEB或者小生意人士

感谢alberto!

俺左想右思,还是到你的宝贴里混比较好,俺的毕竟是过去版了(或许已过时),与你的现行版结合将比较完美,那就借下贵贴《召集帖:OSEB或者小生意人士》来开个研讨会吧,欢迎有意于SEB的人士来坐坐,共同讨论和研究

Flying Dragon : 2010-07-31#41
回复: 召集帖:OSEB或者小生意人士

俺来发表下。首先说明,俺非专业人士,亦是略知一二,讲得不对的地方,请TZM指正和拍砖!通过研讨让大家都来熟悉SEB这个东西。
谢谢!

===

SEB,加拿大EI人士自雇福利金,各省的称法有可能不一样。详情可参看如下链接:http://www.canadabusiness.ca/eng/

按下图SEB输入并搜索便得到各省的SEB引索,然后点击引索进入各省网站了解详情。



但没有BC省的,俺在BC省的网站找到,如附件Overview中第八页所示,好象称之为CFDC,不知对否?

附件


alberto : 2010-07-31#42
回复: 召集帖:OSEB或者小生意人士

变化不是很多,一个变化是现在的资助期限是固定的,42周,不像以前有不同的时间。

Flying Dragon : 2010-07-31#43
OSEB的申请条件

[FONT=宋体]俺住在大多伦多地区[/FONT],[FONT=宋体]还是来说说[/FONT]OSEB[FONT=宋体]([/FONT]Ontario Self-Employment Benefit[FONT=宋体])[/FONT][FONT=宋体]吧[/FONT]
[FONT=宋体]我们是在2008年申请的。来看看[/FONT]OSEB[FONT=宋体]的申请条件[/FONT]:

To be eligible for the Self Employment Benefits Program, you must meet the following conditions:

1、Be unemployed
2、Have an established Employment Insurance Benefit (EI) claim, or one that has ended within the last
3、 years, or have received maternity or parental benefits within the past five years after which you remained out of the labour market to care for the child and are now seeking to re-enter the labour force
4、Be legally entitled to work in Canada
5、Attend an orientation session with the Coordinator in your area (a Coordinator is a local community group that is funded by Human Resources Development Canada (HRDC) to provide assistance to you in your pursuit of self-employment opportunities
6、Have no previous participation in self-employment assistance activity funded by HRDC within the past five years
7、Agree to provide a business plan acceptable to HRDC within a reasonable period of time, showing potential for long term self-employment
8、Start a new business or take over an existing business in which you had no prior ownership
9、Agree to work full-time (minimum 30 hours/week) on your business while you receive financial assistance
10、Be able to contribute equity, the amount of which will be determined in consultation with the co-ordinator.

Employment Benefits and Support Measures (EBSM)

Flying Dragon : 2010-07-31#44
OSEB的程序是怎样进行的?

OSEB[FONT=宋体]的程序是怎样进行的[/FONT]?

如下内容属于转贴。

SEB Self-Employment Benefit计划是由Service Canada提供的一项政府性的福利计划。主要是为有兴趣在加拿 大创业,开立小生意的人提供一种无偿经济援助。政府从1993开始运行这个项目,根据最新权威统计,通过这种通过政府资助来扶持小生意度过第一个财年,可以有70% 以上的小生意获得5年以上的生命期。所以事实证明这种方法是很成功的。
http://www.edu.gov.on.ca/eng/tcu/employees/selfEmployment.html
http://www.senecac.on.ca/community/seb.html
http://www.tbdc.com/oseb.php
http://www.centennialcollege.ca/coe/oseb

常见问题:
1)、什么是SEB Program
SEB Program是一个52周的创业启动项目,前10周培训,形成正式的商业计划;后42周辅导并生意正式运作。政府补贴个人CAD423/ x 52周,不用归还。

2)、谁有资格申请SEB Program
3年内享受过RegularEI,5年内享受过PregnancyEI;
并且现在每周工作少于20小时;
并且有资格在加拿大工作;
并且个人有CAD5499以上的投资。

3)、有什么审核标准?​
1。商业概念的可行性,占50%
2。有接受培训辅导的需要(25%),并且有培训的潜力(Coachable,25%).

4)、怎样申请?​
1。就业辅导机构推荐,有Return-to-Work Action Plan
2SEB辅导机构参加Information Session,提供个人信息,一周内书面申请;
3。准备Business Concept Presentation,2-4周后向SEB辅导机构介绍,SEB辅导机构决定是否批准推荐到政府。如果被拒绝了,程序结束。
4。等待政府批准。

5)、不被考虑的生意有哪些?​
1。特许
2。咨询
3。专业(Doctor, lawyer, accountant, architect, etc.)​
4。直接依靠Commission的销售
5。传销
6。只有一个客户的Subcontractor​
7Skilled trades​
8MBA​
9。非盈利机构
10。季节性的生意
SEB Program同时对培训辅导期间的权利义务有严格的规定,其中一条就是所有信息(当然包括以上信息了)归SEB Program所有,学员不得擅自利用!

6)、是不是没有领过EI 或者父母金的 就没有qualify 申请啊?

对,这个PROGRAM是政府无偿资助那些失业了,没有找到工作,愿意通过做小生意快速回归工作状态的人设立的。下面这个链接很明确地指明了那些人符合条件。
http://www.edu.gov.on.ca/eng/tcu/emp...mployment.html


7)、如果顾问已经批准了,接受了生意计划,然后告诉我,再等6周,是否还会有面试,这是那个部门进行的,会有几次面试?如果最后一次通过了,是否立刻给钱?

对 不起,我没有看懂你的意思,什么叫顾问批准了?这个PROGRAM是必须通过政府批准的。那些顾问和BUSINESS COACH都是帮助你申请的人,他们是靠这个PROGRAM吃饭的,没有资格通过或不通过。你如果已经在申请了,你应该知道要先找顾问做RETURN TO WORK ACTION PLAN,然后去办这个PROGRAM的学校递交BUSINESS CONCEPT PLAN, 那里的人如果对你的PLAN感兴趣,会让你去做PRESENTATION, 完了他们再决定推荐不推荐你。如果他们推荐你,就成功了80-90%。最后才是政府审核,会找电话问你一些问题,他们讨论完以后会通知成功CASE去签一 份AGREEMENT,然后开始上课(一个半月左右)。不成功的也会通知,但会有下次机会继续申请。(修改BUSINESS CONCEPT PLAN)我不知道你走到哪一步了?


8)、WHERE IS THE LIST?!
HERE IT IS: 譬如特许经营,咨询,专业人士(Doctor, lawyer等),直接依靠Commission的销售,只有一个客户的Subcontractor,MBA,非盈利机构及季节性的生意。


9)、领了钱一年后去找了工作,要还钱吗?
不用还,是无偿的。在这里我想提醒一下国人,这个PROGRAM是政府出资帮助那些真正想做生意的人。 政府花了大力气,投入了想当的成本和人力,成功以后要去上课,会有专人帮助你制定BUSINESS PLAN 和在随后的一年里跟踪运营情况。所以善意提醒一下,提前想好BUSNIESS IDEA, 做好市场调研,准备投入大量的时间去好好经营你的生意才去申请这个BENEFITS,要不就是浪费政府的钱和自己的时间和钱。


10)、请问:申请这个SEB PROGRAM 对申请者的语言程度有要求吗?
没有明确的要求,但是如果你去听不懂他们要求你准备的东西,PRESENTATION做不出来,政府的人打电话问你问题你听不懂,估计他们也不会批给你。但是我们现在这个班上有一半的人是英语是第二语言的,所以你可以尝试一下。


11)、在哪报名?
据我所知,现在多伦多只有三家机构是政府指定的,我在的这家是JOBSKILLS, 另外两家我不是很清楚,但你去找顾问做RETUREN TO ACTION PLAN 的时候,他们会告诉你,让你选。 据内部消息(我们上课的时候COACH说的,不知道可靠不可靠),JOBSKILLS的申请批准率是最高的,因为政府希望把小生意集中在北边多一些。 这里是他们的WEB: http://www.jobskills.org/seb/

======================================================

Ontario Self-Employment Benefits Program

The Ontario Self-Employment Benefits (OSEB) Program provides a competitive edge for those wishing to start their own business. The program provides eligible unemployed applicants, selected through competition, with comprehensive business training, practical advisory assistance and up to one year of income support.


The formal training phase of the program focuses on all aspects of business preparation and planning. Upon graduation from the training phase, each participant would have completed a comprehensive business plan for his or her particular business venture. In the remaining ten months of the program, participants receive ongoing business counselling and income support for the start-up and development of their business.


Who Can Apply
The program is available to residents in the Toronto area who are unemployed and eligible for, or collecting, Employment Insurance Benefits.



A provision is made for eligible 'reach back' individuals who are currently unemployed and whose EI benefits ended within the past three years (or whose benefits started within the past five years for maternity or paternity benefits.) To determine if you are eligible for the program as a 'reach back' client, contact the Human Resource Assessment Centre nearest you.
Applicants must agree to make a full-time commitment to their business, complete all the requirements of the OSEB Program and establish a viable business.

How the OSEB Program Works

1、Phase I - Registration and Orientation:
Contact your local Assessment Centre (AC) to make an appointment. Your AC will evaluate your needs and prepare a Return-to-Work-Action Plan indicating their approval of your pursuing self employment as a career option. Your AC will advise you of future OSEB Information/Orientation Sessions to be conducted by the Centre of Entrepreneurship and other Toronto OSEB coordinators. Participants at these orientation session will learn about the program, what is required in the application process, and decide whether or not they wish to apply and be considered for the program.

2、Phase II -Self-Assessment and Selection:

Participants progressing into this phase are provided with the guidance and assistance required to assess the validity of their business idea, to make decisions about their personal effectiveness and to j udge their own suitability for self-employment.
Employment Ontario makes the final selection of successful participants out of this phase for formal entry into the OSEB Program.

3、Phase III
- Training & Self-Employment Development:
This phase lasting 8 weeks, is the official start of the program, and provides practical, skill-based instruction on adult learning principles, such as workshop training, one-on-one counselling, and individual research providing a balanced learning approach.
Instruction focuses on all aspects of business planning and operations for a new business. Upon graduation from this training phase, each participant would have completed a well-prepared, comprehensive business plan for his or her particular business venture.

4、Phase IV - On-Going Business Support
:
This final phase of the program lasting 10 months is designed to provide advisory support and follow-up business counselling to participants during the start-up and development of their new businesses. Advisors maintain regular contact with the program participants, visiting their place of business when necessary, to monitor the progress of each business.

alberto : 2010-07-31#45
回复: 召集帖:OSEB或者小生意人士

现在 Phase III + Phase IV = 42 周。

Flying Dragon : 2010-07-31#46
回复: 召集帖:OSEB或者小生意人士

现在 Phase III + Phase IV = 42 周。
谢谢alberto!看来不同时期,不一样。可能是政府现在缺钱的问题吧。

alberto : 2010-07-31#47
回复: 召集帖:OSEB或者小生意人士

这是最近的改变,好像是2010年4月OSEB重新启动后的新政。

Flying Dragon : 2010-07-31#48
OSEB得到多少钱呢?

当时我们是在EI过程中申请的,所得到的补助是将EI补至当年的最高金额。不知其他同志的情况是否一样?

Flying Dragon : 2010-07-31#49

附件


Flying Dragon : 2010-07-31#50
同学们的计划

同班同鞋在想做什么?

alberto : 2010-07-31#51
回复: 召集帖:OSEB或者小生意人士

我的同班同学不多,YEP的人居多,OSEB的有做非金属的,胶合板,建筑测量,网站设计,礼品店,Business Consulting等等。还挺丰富的。不过YEP的更丰富多彩。

david-qd : 2010-08-01#52
回复: 召集帖:OSEB或者小生意人士

学习中...

Flying Dragon : 2010-08-02#53
哪些机构提供SEB辅导?

哪些机构提供SEB辅导呢?

很多公立或私立的教育机构都有可以提供这类的培训课程,但推荐如下地方:

一、Toronto-York-Mississauga Funded Employment Assessment Centres (EAC)

Toronto's Employment Assessment Centres



Toronto's Employment Assessment Centres for Youth (15 to 30 years old)



York's Employment Assessment Centres



Mississauga's Employment Assessment Centres

Mississauga Community Connections (three locations):

33 City Centre Drive, Suite 280
Mississauga L5B 2N5
Tel.: (905) 896-2233
Fax: (905) 896-2707
TTY: (905) 896-1364
website: www.connectionsemployment.ca


6870 Goreway Drive, Ground Floor
Mississauga (Malton) L4V 1P1
Tel.: (905) 678-8515
Fax: (905) 678-8516
TTY: (905) 678-8517
website: www.connectionsemployment.ca


6790 Century Drive, Suite 401
Mississauga L5N 2V8
Tel.: (905) 814-8406
Fax: (905) 814-1738
TTY: (905) 814-1329
website: www.connectionsemployment.ca


SERVICES FOR YOUTH 15-30 years old looking for job search help
Mississauga (East and West)
Youth Community Connections
33 City Centre Drive, Suite 280
Mississauga
L5B 2N5
Tel.: (905) 896-9316

Mississauga (Malton area)
Youth Community Connections
6870 Goreway Drive, Ground Floor
Mississauga (Malton)
L4V 1P1
Tel.: (905) 678-9881

二、Toronto Business Development Centre

The Ontario Self-Employment Benefit Program could be the opportunity you have been looking for.
Employment Ontario programs are funded in part by the Government of Canada.
For detailed information about this exciting program contact our Advisor on Call today.



TBDC offers a range of Business Incubation and Entrepreneurial Trainining programs to assist start-up and early-stage businesses. For more information about how TBDC can help your business, please call us at 416.345.9437.
Our office hours are 8:30AM to 4:30PM local time Monday through Friday. Should the need arise to leave a message, your call will be returned by the next business day.
Telephone: 416.345.9437
Email: advisoroncall@tbdc.com
Or come in person:
Toronto Business Development Centre
1071 King Street West
Toronto, Ontario
M6K 3K2


三、www.jobskills.org


If you are interested in finding out how the SEB Program can assist with your business idea or for complete Eligibility and Suitability Criteria, York Region / Bradford West Gwillimbury residents can contact Job Skills':
Newmarket site (nmkt@jobskills.org / 905-898-5138).

Mississauga residents can contact our Mississauga site (dhp-seb@jobskills.org / 905-306-7104 / 1-866-592-6278).

Toronto residents can contact our North York site (seb-tn@jobskills.org / 416-221-1648).

Brampton/Halton/Dufferin residents can contact our Brampton site (seb-brampton@jobskills.org / 905-460-8585 / 1-877-760-8585.


www.centennialcollege.ca

The Ontario Self-Employment Benefits (OSEB) Program provides a competitive edge for those wishing to start their own business. The program provides eligible unemployed applicants, selected through competition, with comprehensive business training, practical advisory assistance and up to one year of income support.

The formal training phase of the program focuses on all aspects of business preparation and planning. Upon graduation from the training phase, each participant would have completed a comprehensive business plan for his or her particular business venture. In the remaining ten months of the program, participants receive ongoing business counselling and income support for the start-up and development of their business.

Who Can Apply
The program is available to residents in the Toronto area who are unemployed and eligible for, or collecting, Employment Insurance Benefits.

A provision is made for eligible 'reach back' individuals who are currently unemployed and whose EI benefits ended within the past three years (or whose benefits started within the past five years for maternity or paternity benefits.) To determine if you are eligible for the program as a 'reach back' client, contact the Human Resource Assessment Centre nearest you.

Applicants must agree to make a full-time commitment to their business, complete all the requirements of the OSEB Program and establish a viable business.

The OSEB Record of Success
Since it’s inception over 18 years ago, the Centre of Entrepreneurship in successfully conducting the OSEB Program has assisted thousands of entrepreneurs in starting up new businesses in a variety of sectors in Toronto. Our clients come from all age, gender and demographic groups.

www.senecac.on.ca

Self Employment Benefits Program

。。。

Contact

Contact your local HRSDC office to find the closest co-ordinator near you.
If you live in York Region, call Seneca College at 416-491-5050, ext. 7360.

Flying Dragon : 2010-08-02#54
网上一些协助申请OSEB的广告

常在网上看到一些中介机构也提供OSEB的服务项目,那究竞是怎么回事呢?

其实申请这个很简单,主要的是英文(ESL5以上)和生意创想,但因为很多人都是第一次申请,摸不着头,不知怎样写合格和吸引人的商业计划,又担心自己的英文说不清,因些给一些中介机构提供了生意的机会。而这些中介在多次的实践过程中,总结出一套经验,有着各种生意的商业计划版本,提供一些英文辅导,是有一定的成功机率的。收费有两种:1、一次性收取1500左右,2、按小时100左右。

当然,俺是鼓励DIY的,毕
整个申请过程从打电话,写计划,到培训都需要自己去面对,学习写计划无形中就提高了英文水平,第一次申请不了,可接着来下次,坚树学习再学习的信心,那只是创业的初始,却又是功克困难和迈向成功的支柱。除非想混一下的例外。


Flying Dragon : 2010-08-02#55
申请成功的要点

个人认为申请成功的关键有如下几点:

1、英文。这个不用多说,要求是ESL5以上,但有时候没达到也可以获批。
2、生意构想。你可能有好几个构想,但不是每个构想都有可行性。选择一个适合自己而又有独特一面的构想,会提高成功机率。

3、培养的潜力。你是否是做生意的料呢?首先将你在这方面的历史和优势在Resume里体现出来,接着面谈中,大胆地去畅谈你的生意构想。

4、申请时期。经济危机前的OSEB申请是比较容易获批的,因为政府有钱;而危机后,政府曾暂停一段时间,今年我曾查看说是在Spring恢复,但推延到4月。以前获领的补助有52周,alberto现在只得42周,明显是政府资金紧缺。
现时,失业率高,吃完EI的人数也多,很多人转向EI学习和生意补助,会造成竞争激烈;经济回复缓慢,会给新创业的人士带来另一层的阻碍,因此创业构想未成熟,条件不足的TZ可以蓄待发,多作准备。当然,一块雄心,不惧所难。

5、避免不容易获批的几种生意。
特许、咨询;传销;非盈利机构生意由别人控制(您只占小股);生意的主要收入来源是佣金;季节性的生意;接受其它公司的资助并为这些公司作代理或转包;

alberto : 2010-08-02#56
回复: 召集帖:OSEB或者小生意人士

第五点的补充:现在Franchise和Daycare at Home 不能申请了。以前daycare at Home 是允许的。

Flying Dragon : 2010-08-02#57
回复: 召集帖:OSEB或者小生意人士

第五点的补充:现在Franchise和Daycare at Home 不能申请了。以前daycare at Home 是允许的。

谢谢!鼓掌!!!PAPAPA。。。。

Flying Dragon : 2010-08-02#58
YMCA Markham Business Centre

YMCA Markham Business Centre

[FONT=宋体]ZT:加拿大安省[/FONT]200[FONT=宋体]失业者摇身变老板[/FONT]

[FONT=宋体]由安省训练、专上教育及大学厅拨款资助的[/FONT][FONT=宋体]安省自雇福利计划[/FONT]”(Ontario Self-Employment Benefit Program)[FONT=宋体],以正在领取就业保险金[/FONT](Employment Insurance Benefits)[FONT=宋体]或曾在过往[/FONT]3[FONT=宋体]年内领取过就业保险金的失业人士为对象,为他们自谋出路、创办自己的小生意提供起步阶段的经济援助,从而成功地迈出从打工仔摇身变为老板的重要一步。[/FONT]

[FONT=宋体]位于万锦市[/FONT]14[FONT=宋体]街夹冰梨路东南角的青年会工商企业中心[/FONT](YMCA Business Centre)[FONT=宋体]创办于[/FONT]1999[FONT=宋体]年[/FONT]6[FONT=宋体]月,是专为约克区有志于自行创业的失业人士提供相关培训和支援的慈善机构。该中心在过往[/FONT]3[FONT=宋体]年来,已为[/FONT]200[FONT=宋体]多名失业者提供了协助,使他们成为[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体]的受益者,并成功地创办了自己的小生意。[/FONT]
[FONT=宋体]青年会工商企业中心负责人蒙塔布恩[/FONT](Kathy Ann de Montbrun)[FONT=宋体]告诉记者,由安省训练、专上教育及大学厅拨款资助的[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体],实施至今已有[/FONT]3[FONT=宋体]年的历史,其适用对象除了包括正在领取就业保险金或曾在过往[/FONT]3[FONT=宋体]年内领取过就业保险金的失业人士之外,还包括正在领取产妇金和父母金,或曾在过往[/FONT]5[FONT=宋体]年内领取过产妇金和父母金的人士。[/FONT]

[FONT=宋体]援助金发放时间最长[/FONT]52[FONT=宋体]周[/FONT]
[FONT=宋体]上述计划为有志于创办小生意、并符合申请要求的失业人士,在创业的起步阶段提供每周[/FONT]400[FONT=宋体]多元的经济援助,该笔援助金的发放时间最长可达到[/FONT]52[FONT=宋体]周。[/FONT]
[FONT=宋体]蒙塔布恩说:[/FONT][FONT=宋体]小型企业促进了安省经济的蓬勃发展,而自行创业也是全职工作的另一就业方式,这就是安省政府资助该项福利计划的主要原因。[/FONT]

[FONT=宋体]提供一对一谘询服务[/FONT]
[FONT=宋体]她指出,青年会工商企业中心在过往[/FONT]3[FONT=宋体]年内已为[/FONT]200[FONT=宋体]多名失业人士提供了协助,使他们成功地申请到[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体]的经济援助,并通过举办一系列创业专题讲座以及提供一对一的个别谘询服务等途径,扶持他们顺利地踏上创业之路。[/FONT]
[FONT=宋体]这些专题讲座所涉及的主题包括:如何开展市场营销?自雇人士如何进行税务规划?小型企业所涉及的法律议题等。[/FONT]

90%[FONT=宋体]创业者从家庭办公室起步[/FONT]
[FONT=宋体]蒙塔布恩指出,青年会工商企业中心在每周五上午均会举办有关[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体]的说明会。对上述计划感兴趣的失业人士可撰写一份创业计划书,然后与该中心的商业导师约谈,探讨自己的创业构想是否具有可行性。[/FONT]
[FONT=宋体]她说:[/FONT][FONT=宋体]有的人可能同时有好几个创业构想,但不是每一个构想都具有可行性。商业导师的工作就是帮助他们进行分析,并从中选择最理想的方案。[/FONT]
[FONT=宋体]在商业导师的指导下,这些有志于创业的失业人士在对自己的创业计划书完成修改工作之后,由青年会工商企业中心提交给安省就业中心[/FONT](Employment Ontario)[FONT=宋体]接受创业可行性的评估。[/FONT]
[FONT=宋体]如果创业计划书获得了安省就业中心的批准,申请人便可以开始领取每周[/FONT]400[FONT=宋体]多元的资助金。其第一项工作就是在[/FONT]8[FONT=宋体]周内完成一份商业计划书,然后将上述商业计划付诸实施,即创办自己的小生意。[/FONT]
[FONT=宋体]在这些创业者中,有的人在家中开办了儿童日托中心,有的人创办了家居装修公司、园艺公司、水电公司、印刷公司或旅行社,也有人投身于时装设计、礼品设计和制作等行业。[/FONT]
[FONT=宋体]蒙塔布恩说:[/FONT]“90%[FONT=宋体]的创业者是从家庭办公室起步的,以便节省成本开支,待生意扩展后,他们才会相应地扩大规模。[/FONT]
[FONT=宋体]青年会工商企业中心的地址是:[/FONT]4855 14th Avenue, Unit 3[FONT=宋体],电话号码是:[/FONT]905-948-9622[FONT=宋体]。[/FONT]
[FONT=宋体]该中心每逢周五上午[/FONT]9[FONT=宋体]时半至[/FONT]11[FONT=宋体]时举办有关[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体]的说明会,有兴趣者可报名参加。[/FONT]
[FONT=宋体]此外,读者如欲了解所在地区[/FONT][FONT=宋体]安省自雇福利计划[/FONT][FONT=宋体]的更多信息,可致电安省就业中心的免费查询热线,电话号码是[/FONT]1-800-387-5656[FONT=宋体]。[/FONT]
([FONT=宋体]来源:明报[/FONT])

alberto : 2010-08-03#59
回复: 召集帖:OSEB或者小生意人士

This OSEB information is updated:
http://www.tbdc.com/oseb.php

kind16 : 2010-08-07#60
回复: 召集帖:OSEB或者小生意人士

34岁以下,可以看看这个

http://www.ontariocanada.com/ontcan/1medt/smallbiz/en/sb_ye_en.jsp

Flying Dragon : 2010-08-08#61
回复: 召集帖:OSEB或者小生意人士


kind16 补得好。

Flying Dragon : 2010-08-08#62
是否是做生意的料呢?

是否是做生意的料呢?这里有50个测试题,15分钟可完成。但只是个参考数,不一定准确。真遗憾!俺没得合格,因此,要找另一人来祢补:wdb7:

Entrepreneurial self-assessment

Flying Dragon : 2010-08-08#63
Business Idea Center

想找一下有什么合适做的生意吗?

Business Idea Center有近1000个选择可供参考。

ffk_1998 : 2010-08-08#64
回复: 召集帖:OSEB或者小生意人士

:wdb6:
俺来发表下。首先说明,俺非专业人士,亦是略知一二,讲得不对的地方,请TZM指正和拍砖!通过研讨让大家都来熟悉SEB这个东西。
谢谢!

===

SEB,加拿大EI人士自雇福利金,各省的称法有可能不一样。详情可参看如下链接:http://www.canadabusiness.ca/eng/

按下图SEB输入并搜索便得到各省的SEB引索,然后点击引索进入各省网站了解详情。



但没有BC省的,俺在BC省的网站找到,如附件Overview中第八页所示,好象称之为CFDC,不知对否?

Flying Dragon : 2010-08-08#65
Business Plan

为写Business Plan而头痛吗?

如下网站为你排忧解难。

1、在Canada Bussiness 里面Business Planning会教导怎样写和常见问题,还提供了不少版本和格式(Business plans - templates and samples),都很有参考价值。:wdb6:

2、http://www.bdc.ca/en/Documents/doc_corpo/business_plan/DoorsToTheWorld.pdf

3、http://www.bplans.com/sample_business_plans.cfm
这个网里特多。

4、http://www.entrepreneur.com/businessplan/index.html

5、http://www.entrepreneurship.com/tools/pdf/businessPlanWorkbook.pdf

6、http://www.canadaone.com/ezine/nov00/business_plan1.html

附件


Flying Dragon : 2010-08-08#66
Starting Costs Calculator

开店在概要多少钱呢?
这里有个计算器可帮忙。:wdb20:

Starting Costs Estimator Calculator

alberto : 2010-08-08#67
回复: 是否是做生意的料呢?

是否是做生意的料呢?这里有50个测试题,15分钟可完成。但只是个参考数,不一定准确。真遗憾!俺没得合格,因此,要找另一人来祢补:wdb7:

Entrepreneurial self-assessment

I didn't pass too

Flying Dragon : 2010-08-09#68
回复: 是否是做生意的料呢?

I didn't pass too

所以说嘛!生意人没几个是聪明的,但我们有学做生意人的决心。:wdb23::wdb9:

lucc : 2010-08-10#69
回复: 召集帖:OSEB或者小生意人士

好贴帮顶。

Flying Dragon : 2010-08-22#70
Market Research and Analysis

Guide to Market Research and Analysis


MARKET ANALYSIS是个漫长而艰苦的过程:

第一,你会需要一个统计数据,关于你要做的产品的一些统计数据。例如,该类产品本地总需求量大致是多少;有多少零售商CARRY ON这种货品;中间有多少DISTRIBUTOR、WHOLESALER、IMPORTER;本地是否有MANUFACTOR、有多少;出产这类产品的国 家和地区有多少、品质有何差别、成本有何差别;你的产品在其中的质量水平是哪个层次等。这些数据得来的渠道有很多,可以从政府部门、专业协会、某个销售环 节的商人、专业的CONSULTANT/AGENT、你的生产厂/供货商,甚至是一些媒体。总之想尽一切办法得到尽可能多的数据,相互验证才能得出一个相 对较准确的数字。别指望有某人或某个机构能一下子给足你所有的数据,哪怕是政府部门的数据也是不准的。

第二,从一大堆混乱的数字里整理出你这个行业的生产、销售、运输等各环节的一个流程(这是纸上谈兵的工作,相信大家都会)

第三,从整个流程里分析决定你要涉足的环节。虽然很简单的一句话,却是你创业生死存亡的关键所在。有朋友提出可否多占领几个环节,这样使自己更具有竞争 力?是个好办法,但必须让你手下的每个环节独立运作、自负盈亏(如果你做批发和零售同时,但你的批发客户告诉你,如果你做零售就跟你断绝关系,你怎么做? 他们真的说到做到)两头一起吃很可能把自己推向绝境,千万别一开始就树敌过多。另外,市场的蛋糕就这么大,你没实力完全垄断的情况下,你的零售到一定的程 度就会影响到你的批发,很难两全的。

第四,现在你可以开始做生意了(前提是你已经搞定了生产和发货,但事实告诉我们这是不可能的)。你得从繁杂的数据中筛选出你的目标客户。怎么筛?不会吧, 这也问!打电话啦!这是个非常BORING但也有趣的过程。其实在打这个电话的时候你还是在MARKET ANALYSIS,你要通过电话筛选出那些数据是对的,那些是错的(有些公司的数据不准确,或已经关门,或不再涉足此类产品,或根本就是个乌龙);那些是 规模较大的,那些是小公司,那些拥有比较特别的客户等。打电话时有时候会和对方聊得很开心。但重点要在这一轮里找到有(大/小)价值和潜力的客户。

第五,侦察啦,有时候是需要亲身现场查看的……或从互联网上、政府部门、图书馆或其他途径了解你选定客户的初步资料(我曾在和客户谈的时候甩出了他和另一家不为人知的公司的内部关系,让他不敢再乱吹),了解的越多越好,这就是我在我的十六字感受里的“知己知彼”。

第六,开始交易,这个就看每个人的意识了,在交易的过程中能得到很多内幕信息,不一定是这个客户的,却很可能是另一个客户的。学会相互验证,得到信息的深度和广度,是你创业成功的关键……

总之MARKET ANALYSIS是永远也不能做完的一门功课,谁说他做完了,那他就快完了……

如果国内的企业只有一个部门远程遥控生意,或每年来几次谈生意,我看是做不长久的。对本地的情况一点掌控都没有,怎么可能好好做?所以我们这些中间商还是很有作为的……

Flying Dragon : 2010-08-22#71
OSEB实施

经过一系列的家庭作业,完成Business Plan,提交给Consultant,并进行短暂的面谈,OSEB辅导机构决定是否批准推荐到政府,等待政府批准。如果被拒绝了,程序结束。

生意开始了,每月向Consultant提交运营报告,还要回去面见,聊聊天,谈谈计划、工作进展情况。即使你亏损,Consultant也会适当地建议你填盈益,要不然,他不好交差。

附件


alberto : 2010-08-22#72
回复: 召集帖:OSEB或者小生意人士

第四,现在你可以开始做生意了(前提是你已经搞定了生产和发货,但事实告诉我们这是不可能的)。
这个讲的很有道理啊,找到符合加拿大标准的供应商不容易啊,现在填的还是纸上谈兵的东西。

alberto : 2010-08-23#73
回复: 召集帖:OSEB或者小生意人士

大家都在哪里开小生意帐户呢?
各个银行的服务有啥差别?

alberto : 2010-08-24#74
回复: 召集帖:OSEB或者小生意人士

State Farm 都不愿意接从中国进口生意的商业保险,郁闷。

Flying Dragon : 2010-08-24#75
回复: 召集帖:OSEB或者小生意人士

大家都在哪里开小生意帐户呢?
各个银行的服务有啥差别?

银行都差不多吧。我们用惯了TD,网点多。

State Farm 都不愿意接从中国进口生意的商业保险,郁闷。

不会吧?
你要保的是什么东西呀?

alberto : 2010-08-24#76
回复: 召集帖:OSEB或者小生意人士

银行都差不多吧。我们用惯了TD,网点多。



不会吧?
你要保的是什么东西呀?
货物运输和仓库。
很小很简单的东西啦,小型医疗器械,几乎没有危险性。

Flying Dragon : 2010-08-24#77
回复: 召集帖:OSEB或者小生意人士

货物运输和仓库。
很小很简单的东西啦,小型医疗器械,几乎没有危险性。

有PM。

苏而 : 2010-08-24#78
回复: 召集帖:OSEB或者小生意人士

飞龙是个好同学!:wdb10::wdb17:

alberto : 2010-08-24#79
回复: 召集帖:OSEB或者小生意人士

有PM。
谢谢啦。

homeC2C : 2010-08-24#80
回复: 召集帖:OSEB或者小生意人士

加盟生意不可以申请吗? 谢谢!

Flying Dragon : 2010-08-24#81
回复: 召集帖:OSEB或者小生意人士

加盟生意不可以申请吗? 谢谢!

很难。因为主动权不在你手上。

Flying Dragon : 2010-08-24#82
回复: 召集帖:OSEB或者小生意人士

飞龙是个好同学!:wdb10::wdb17:

:wdb23::wdb6:

Flying Dragon : 2010-08-28#83
Canada Small Business Financing Loan(1)

今天来解读下“ [FONT=宋体]政府小生意担保贷款[/FONT]”(CSBFL),先看下官方网站的说法。

Industry Canada


Canada Small Business Financing Program

About the Program

Small businesses are an important part of Canada’s economy, but they face unique challenges when they look for financing.
The Canada Small Business Financing Program helps you with your financing needs. Under the program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.

The program’s main objectives are:

to help new businesses get started and established firms make improvements and expand

  • to improve access to loans that would not otherwise be available to small businesses
  • to stimulate economic growth and create jobs for Canadians
On average, the program helps small businesses access 10,000 loans worth more than $1 billion each year.

Who is eligible?

Small businesses operating for profit in Canada, with gross annual revenues of $5 million or less.
Not eligible under this program are farming businesses (Agriculture and Agri-Food Canada has a similar program for the farming industry for information, visit www.agr.gc.ca), not-for-profit organizations, or charitable and religious organizations.

How much financing is available?

Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

How do I apply for a loan?

Financial institutions deliver the program. Industry Canada does not participate in making the decision to accept or refuse your loan application.
Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will register the loan with Industry Canada. (List of lenders)

What can loans be used for under this program?

Loans can be used for financing up to 90% of the cost of:


  • purchasing or improving land, real property or immovables
  • purchasing leasehold improvements or improving leased property
  • purchasing or improving new or used equipment
For example, you can use a loan to finance:


  • buildings and land
  • commercial vehicles
  • hotel or restaurant equipment
  • computer or telecommunications equipment and software
  • production equipment
You cannot use a loan to finance items such as:


  • goodwill
  • working capital
  • inventories
  • franchise fees
  • research and development
What are the costs?

The interest rate is determined by your financial institution. The interest rate may be variable or fixed:

  • Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
  • Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.
A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government.

What are the terms of the financing?

Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee, which cannot exceed 25% of the total amount loaned.

For more information, please contact your financial institution.

This program is administered by:
Small Business Financing Directorate
Industry Canada
Telephone: 1-866-959-1699 (toll-free)
Fax: 1-613-952-0290

Email: Canada Small Business Financing Program
Internet: www.ic.gc.ca/csbfp

附件


Flying Dragon : 2010-08-28#84
回复: Canada Small Business Financing Loan(2)

再来看下银行方的说法。



Small Business:

Canada Small Business Financing Loan

Whether you're in business now, planning a start up, or buying a small business, it's easier than ever to get the loan you need to expand your operations or purchase or improve your fixed assets. You can also use your loan to finance a renewable energy project that supplements your business’ energy use. With a CSBFL, you, TD Canada Trust and the Federal

Government work together to finance your renewable project.

  • Loan amounts available up to $500,000.①


  • Financing available for up to 90%③ of the "Eligible Costs"③ of assets financed.


  • Monthly payment frequency with a choice of terms, and up to 10 years amortization.


  • Competitive fixed and floating interest rates available.


  • Personal guarantee for up to 25% of the original loan amount, plus interest costs is required.


  • Loan may only be used for certain purposes.


  • One time Federal Government registration fee of 2% of the loan amount. This amount may be included in the amount borrowed.

Federal Government Fees


  • a 2% CSBF Loan registration fee, payable when your loan is registered. This fee can be included as part of your loan.


  • a 1.25% CSBF Loan annual administration fee-calculated and included as part of your loan interest.

Do You Qualify Under the CSBF Program.


Here is a list of some of the government's requirements② for a CSBF loan.

  • Your business operates or is about to operate in Canada.


  • Your business annual gross revenue is less than $5 million in the year you apply.


  • Your business is for profit and is not a farm, charity or religious enterprise.


  • The assets purchased or improved must be used in your business.
For more information about government requirements, click here to visit the Industry Canada web site.

For more information about the qualifications or if you wish to apply for the CSBF, please visit your local TD Canada Trust Branch.

Protect what's important

Protect your business and everyone who has a stake in it. Consider Business Credit Life Insurance④ for yourself, your family, employees and anyone key to your business. Ask about this important coverage today.

① Subject to credit approval. Certain business documentation required. Other fees may apply.

② Additional government requirements exist.

③ "Related Borrowers" and "Eligible Costs" may limit how much a business may borrow. Definitions are found in the Canada Small Business Financing Act and Regulations.

④ Business Credit Life Insurance provides group life coverage, underwritten by Sun Life Assurance Company of Canada and accident coverage, underwritten by TD Life Insurance Company. Complete details of benefits, exclusions and limitations are found in the Certificate of Insurance.

Flying Dragon : 2010-08-28#85
回复: Canada Small Business Financing Loan(3)

来自家园网的报道:

联邦政府的小生意援助计划


加拿大家园 CanadaMeet.com 2010-01-08 23:09 来源: 作者: forever


「巧妇难为无米之炊」。对于那些刚抵达加拿大但创业心切的新移民来说,往往会碰到缺乏资金的困难。为支持民众投资创业,联邦政府推出了小生意援助计划。

小生意援助计划是指小生意者在没有任何资产抵押的情况下,可向银行借货最高达五万元的金额。他主要有以下特点:当借货者到时还不了货款,政府将作为保证人承担还款义务;其次,借货的金额不得超过小生意投资额的百分之五十。

申请该项货款的程序包括:

第一,申请人提交由注册会计师出具的小生意计划报告书,载明要做小生意的可行性分析以及借货的资金用途。

第二,银行评估报告书,通常银行在接到小生意报告书后的四十八时内决定。如果评估结果满意,银行会通知借货者前往银行办理借货手续。


银行方面在评估小生意时,审核的重点落在货款的用途是否合理、是否真正要及借货者的还款能力等方面。他说,借货款项若是用在维修小生意设施及增添设备方面,一般货款申请容易被批准;相反,如果用途是在购买原料等方面,往往不容易得到货款。

Flying Dragon : 2010-08-28#86
Canada Small Business Financing Loan(4)

Canada Business


Getting a business start-up loan from your bank or credit union

March 8th, 2010
...................


You have a great business idea. All that is missing is the money to start the business. What do you do?

Short of landing a spot on CBC's Dragons' Den, you're most likely to try to get a business loan from your bank or credit union and to apply for some government program.

In this blog post, we'll take a look at how you can obtain financing from your bank or credit union to start your own business. We'll take a look at government financial assistance programs in a later blog post.

Credit is not as easy to obtain as it used to be. Lenders use stricter criteria to determine if you are eligible for a loan and they won't want to take any shortcuts with the process.
Here are some tips to help you prepare for your business loan application:

  • Prepare a business plan
    • Lenders want to see a strong business plan. You'll find information, templates and answers to frequently asked questions on our Developing your business plan page.


  • Show that you're financially ready to start your own business
    • You'll probably need to draw a small salary for the first few months or years of your new business. Lenders need to see that your personal financial situation is in good condition.
    • Be ready to show documents confirming your personal income and investments.


  • Put yourself in the lender's shoes
    • Try to see the situation from the lender's perspective. The better you understand what the bank or credit union is looking for, the better your chances of obtaining financing.

Here are a few resources that will provide more information:

  • The Business Development Bank of Canada (BDC) has a guide called Demystify your banker for entrepreneurs seeking a loan from their bank. The guide contains:
    • what your loan proposal should contain
    • what your banker looks for
    • common bank terms
    • tips to increase your chances of success




  • Our Private Sector Financing section provides information about the various types of financing available from the private sector.

Flying Dragon : 2010-08-28#87
Canada Small Business Financing Loan(5)

[FONT=宋体]政府小生意担保贷款[/FONT]


[FONT=宋体]政府小生意担保贷款,小生意创业贷款可达 $350,000 . 小生意商业物业贷款可达$500,000. 适合新办或扩大生意.[/FONT]
[FONT=宋体]小生意创业贷款,适用于餐馆,酒吧,连锁店,便利店,咖啡店,快餐店,进出口业务,具体用途包括购买设备,例如:商务用车、设备,电脑设备网络,装修,购买存货等流动资金需求,设备和装修用途不能超过35万,贷款总金额不超过购置和花费的90%.[/FONT]
[FONT=宋体]小生意商业物业贷款,适用于商铺,商场,加油站,小型旅馆,土地,仓库,工厂,上居下铺,具体用途包括购买商业房产,土地 .贷款总金额不超过物业价值的90%.[/FONT]
[FONT=宋体]贷款一旦出现损失,银行可以向政府举证并要求赔偿最多85%的最终损失额,同时小生意贷款的当事人个人承担最多25%的实际损失。[/FONT]


([FONT=宋体]一[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]-1

[FONT=宋体]小生意,又叫[/FONT]Small Business[FONT=宋体],在加拿大是个不可忽视的工商领域。众所周之,加拿大不是制造业国家,仅有的一些制造行业和服务行业也是相当一部分源于美国背景。再加上税务方面的实惠,雇主的[/FONT]contract[FONT=宋体]要求等,在加拿大从事小生意的人是非常多的。[/FONT]

[FONT=宋体]对于小生意,有不同的定义。这里说的小生意,是年销售额[/FONT]([FONT=宋体]或收入[/FONT])500[FONT=宋体]万加币以内的各行业,例如,餐馆,商店,理发店,干洗店,工厂,诊所,教堂,学校等等,行业涉及非常广泛。[/FONT]

[FONT=宋体]开展小生意需要到政府部门注册,注册形式大致有三种:[/FONT]sole proprietorship, partnership, incorporation[FONT=宋体]。这三种存在着权力,义务,风险,税收,报告等区别,具体可以咨询会计师或律师。[/FONT]

[FONT=宋体]华人从事的小生意,集中在[/FONT]IT Contractor[FONT=宋体],各类[/FONT]skill trader([FONT=宋体]如管道工,木匠,电工等[/FONT])[FONT=宋体],餐馆,咖啡店,便利店,贸易公司,干洗店,旅游票务公司等。[/FONT]

[FONT=宋体]小生意的银行需求和个人银行需求很大不同,银行的产品设置也不同。[/FONT]

(
[FONT=宋体]二[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--2

[FONT=宋体]小生意往往需要借款,形式有多样。有的小生意需要自己到大商厦采购原材料,这样的话,公司的信用卡所提供的[/FONT]21[FONT=宋体]天免息期是非常有用的。公司信用卡有各种,[/FONT] [FONT=宋体]大致分为借款型和消费型。后者利率特别高,接近或超过[/FONT]20%[FONT=宋体]。而前者往往利率很低,[/FONT]10%[FONT=宋体]以内,既能享受利率较低的优惠又有信用卡的便利。[/FONT]

[FONT=宋体]有的小生意是开支票付款,那么,信用额度[/FONT]line of credit[FONT=宋体]就能满足其所需。信用额度相当于在帐户里提供了一笔额外的资金可供使用。[/FONT]

[FONT=宋体]不管是什么生意,只要开了帐户,就应该有一个透支保护,这样可以在一定程度上避免支票被退回。[/FONT]

[FONT=宋体]有的人需要购买生意或者建立新的生意,通常需要资金装修、采购设备、办公家具等,可以申请政府项目的小生意借款,详情下次介绍。[/FONT]

([FONT=宋体]三[/FONT])[FONT=宋体]在加拿大从事小生意的融资渠道[/FONT]--3

[FONT=宋体]加拿大政府为了鼓励人们开展各种小生意,提供了一个特殊的项目,名为[/FONT]Canadian Small Business Financing Act[FONT=宋体],或简称[/FONT]CSBFA[FONT=宋体]贷款项目。该项目有以下特点:[/FONT]

1.[FONT=宋体]特别适合各种新开展的小生意[/FONT]

[FONT=宋体]新的小生意没有历史财务记录。贷款决策往往参照现金流量预测等。所有小生意贷款中,只有[/FONT]CSBFA[FONT=宋体]或类似贷款要求提供现金流量预测,并将现金流量及项目计划作为贷款申请的重要文件。[/FONT]

2.[FONT=宋体]最多贷款金额为[/FONT]35[FONT=宋体]万加元[/FONT]

[FONT=宋体]需要借款人自行提供[/FONT]10%[FONT=宋体]自有资金,贷款资金只能涵盖[/FONT]90%[FONT=宋体],且不包括[/FONT]GST[FONT=宋体]。[/FONT]

3.[FONT=宋体]贷款用途有限制[/FONT]

CSBFA[FONT=宋体]贷款,通俗来说,只能用于固定资产贷款,例如,装修,购买设备机器,购买家具,电脑等各种固定资产。有相当一部分用途是不能用[/FONT]CSBFA [FONT=宋体]贷款融资的,例如存货,应收账款,商誉等无形资产等。[/FONT]

4.[FONT=宋体]贷款利率和费用[/FONT]

[FONT=宋体]政府对于此类贷款有利率规定,浮动利率通常[/FONT]prime+3%[FONT=宋体]。此外,政府还收取一次性的担保费用,金额为贷款金额的[/FONT]2%[FONT=宋体]。[/FONT]

5.[FONT=宋体]特点[/FONT]

[FONT=宋体]政府[/FONT]CSBFA[FONT=宋体]贷款,又称政府担保项目的贷款,一般不要求借款人提供任何资产担保,而借款人也只需提供[/FONT]25%[FONT=宋体]的个人信用担保即可,对初创业的老板来说,贷款风险相当小。

[/FONT] [FONT=宋体]但事实上,现时政府和各行业的的资金皆紧缺,申批也不是易事。[/FONT]

附件


Flying Dragon : 2010-08-28#88
助小企业贷款 联邦政府十年亏3.35亿

看看这些贷款的效果如何。

[FONT=宋体]助小企业贷款[/FONT] [FONT=宋体]联邦政府十年亏[/FONT]3.35[FONT=宋体]亿[/FONT]



2010-01-04 20:20
([FONT=宋体]世界日报[/FONT]) [FONT=宋体]加拿大工业部帮助小企业的贷款计画[/FONT][FONT=宋体],十年来一直亏损连连,让银行大为苦恼。而十年前对该计画大改的目的,恰恰是想避免这些问题。[/FONT]

[FONT=宋体]工业部委托咨询机构[/FONT]KPMG[FONT=宋体],研究了加拿大小企业融资计画的效果。这个计画的主要内容,是对小企业无法偿还的贷款,由政府替他们向银行偿还。[/FONT]

[FONT=宋体]研究报告指出,计画繁文缛节严重,规定很死,导致银行等机构不愿做这种业务,而联邦政府损失也在不断增长。[/FONT]

[FONT=宋体]银行发现要承受很沉重的管理负担,包括大量的文书工作,索偿困难,这对贷款机构无利可图。结果导致贷款件数大幅度下降,去年达到[/FONT]9000[FONT=宋体]件的新低,只有该计画在[/FONT]1999[FONT=宋体]年大改时的一半。[/FONT]

[FONT=宋体]计[/FONT] [FONT=宋体]画迄今为止担保了银行和其他金融机构大约[/FONT]100[FONT=宋体]亿元小企业贷款,工业部根据贷款金额的多少来收取费用,用收取的费用来支付违约贷款。近十年来违约款一直稳[/FONT] [FONT=宋体]定增长,现在每年高达[/FONT]1[FONT=宋体]亿元,而收费却一直显著下降,迄今政府为此净亏[/FONT]3[FONT=宋体]亿[/FONT]3500[FONT=宋体]万元。报告指出,赔款和收入之间的缺口将继续存在,并很有可能继续扩[/FONT] [FONT=宋体]大。[/FONT]

[FONT=宋体]这个计画的贷款投资组合在过去十年间风险也在加大,特别是现在计画照顾新成立的小企业,他们信用分数很低,抵押财产也多,许多是在食品和饮料业。[/FONT]

[FONT=宋体]很少的小企业主听到过这个计画,所以实际上银行成为了推荐人。如果银行不批准小企业的标准贷款,就会向他们推荐这个计画。[/FONT]

[FONT=宋体]但是贷款机构一般不喜欢这个计画,他们认为需要填写大量表格,这是最主要的麻烦。此外,贷款银行的经办人还感到,负责赔偿违约贷款的联邦政府员工非常严格,主要专注原因,而不是理赔,所以一些银行职员坦承非常不愿意提供这个计画。[/FONT]

KPMG[FONT=宋体]报告提出的几乎所有的问题,都是先前研究的老生常谈。工业部[/FONT]2002[FONT=宋体]年的报告就指出文书工作太多、无钱可挣、很难索赔,让金融机构远离这个计画。在同一年,联邦审计长就曾怀疑这个计画能否做到收支平衡。[/FONT]

[FONT=宋体]在去年的联邦预算中,对计画做了两处改进,一是将最高贷款额增加[/FONT]10[FONT=宋体]万元,提高到[/FONT]35[FONT=宋体]万元,二是调整了赔款的计算限额。财政部当时预计贷款额能从每年的[/FONT]10[FONT=宋体]亿元再增加[/FONT]3[FONT=宋体]亿元。[/FONT]

[FONT=宋体]加拿大小企业融资计画,承担违约贷款的[/FONT]85%[FONT=宋体],并对贷款设定了最高利率,最高利率为优惠贷款利率加三个百分点。[/FONT]

附件


Flying Dragon : 2010-09-01#89
加拿大中小企业服务中心

加拿大中小企业服务中心

http://sbosa.org/

2010年6月9日上午,加拿大中小企业服务中心召开新闻发布会,宣布正式成立。

加拿大中小企业服务中心是在安省注册的专为加拿大的中小企业,特别是准备自己创业成立企业的少数族裔移民服务的非赢利机构。英文全称:Small Business Owner Service Association ,英文简写:SBOSA。

加拿大中小企业服务中心主席潘洁介绍说:加拿大中小企业服务中心是由一群热心公益事业的各行业专业人士与社团负责人发起。大家有感于新移民创业的艰难,愿意为新移民在加国开始自己的创业生活搭建一个全方位的服务平台。

潘洁接着说:加拿大空气新鲜、法律健全、福利优厚、教育体制先进,它为我们提供了一个宽松的人际关系环境。但是作为新移民,特别在国内已经取得创业成功的新移民,如何能够迅速在加拿大找准自己的人生定位与事业目标,开始新的创业,确实不是件容易的事情。

即使是已经开始创业起步的,因为语言、文化、法律等方面的制约,使进一步的发展也遭遇到瓶颈。

加拿大中小企业中心的主要任务就是为中小企业以及有需求的少数族裔移民提供全方位的服务,并根据政府的相关政策,积极支持中小企业的成立与发展。

加拿大中小企业服务中心本着相互扶持、共同发展的宗旨。旨在搭建起一个相互帮助、资源共享、共同发展的事业平台。让我们的移民在享受这里优越的生活条件时,也能获取事业的成功。

随着加中国际交流的更加密切,未来几年,华人特别是大陆职业精英、投资者的移民将会形成一个高潮。他们大多数在国内有创业的经历与成功的经验,甚至积累了 可观的财富。如何帮助他们迅速适应加拿大的政策法律环境,找到合适加拿大与中国的共同发展之路,为他们拓展和实现企业的国际化,将会是我们的重要工作。 www. canada meet . com

加拿大中小企业服务中心公关温一山说:刚才早上我就在与移民部长一起吃饭,其实政府也在想各种方法,通过各种途径来为我们移民创业服务。只是我们对政府政 策的倾向不清楚,我们这个服务中心就是要搭建起一个桥梁,将大力加强同政府相关部门、和相关的机构团体的合作,并通过各类讲座培训、研讨会与横向联谊合 作、专题活动的方式为本中心会员提供政策信息、投资融资、交流会展、宣传推广、管理与法律咨询等方面的帮助与支持。

会上,主席潘洁代表中小企业服务中心向ITALKBB、咸氏金融有限公司的支持表示衷心的感谢,并为ITALKBB公司总裁刘杰、咸氏金融有限公司营运总监王智颁发了荣誉副主席的证书。

最后咸氏金融有限公司营运总监王智、加拿大中国投资移民协会会长罗幼奋等都发表了热情溢洋的讲话,并表示要不遗余力地参与和支持加拿大中小企业服务中心的工作,为我们广大的移民开始加拿大的创业作出应有的贡献。​

maya007 : 2010-09-03#90

绿袖 : 2010-10-03#91
回复: 召集帖:OSEB或者小生意人士

SEB 项目是针对失业人员的补助,给的生活补贴不需要还的,而银行的贷款是要还的。这是不同点。成功的关键是计划书的可行性。我帮很多人修改过计划书,有些生意不错,就是没有写好计划书就被拒绝了。还是让专业人士看看计划书通过可能才高些。

Flying Dragon : 2010-10-03#92
回复: 召集帖:OSEB或者小生意人士

绿袖
初出茅庐§粗通皮毛

注册日期: 2004-11
帖子: 43
送出鲜花次数: 0
在0帖子里收到0次鲜花
声望: 25
声望改变能力: 2177

这可是老前辈呀!!欢迎来指导TZM学习.

4everdauk : 2010-10-04#93
回复: 召集帖:OSEB或者小生意人士

哪些电子产品?

一些电子产品是要专门认证的,这方面一定要弄清楚。

我也有这打算进口一些电子产品到加国,但可以详细讲解一下那些需要专门认证吗?或从政府哪个网站我可以查询啊? 感谢您的回复!

dawn2006 : 2010-10-15#94
回复: 召集帖:OSEB或者小生意人士

我刚上完SEB ,楼主说想做电子产品德生意,目前进展怎样?
有兴趣和你探讨?

alberto : 2010-10-15#95
回复: 召集帖:OSEB或者小生意人士

我刚上完SEB ,楼主说想做电子产品德生意,目前进展怎样?
有兴趣和你探讨?

刚注册完公司呢。
你呢?上完SEB,是培训结束了,还是SEB项目都结束了?

dawn2006 : 2010-10-18#96
回复: 召集帖:OSEB或者小生意人士

8月24日一年的时间,培训只2个月,剩余的时间,去按照自己的business plan开始自己的小生意.

alberto : 2010-10-18#97
回复: 召集帖:OSEB或者小生意人士

现在没有一年的时间了,固定42周。

dawn2006 : 2010-10-18#98
回复: 召集帖:OSEB或者小生意人士

您现在在参加吗?

alberto : 2010-10-18#99
回复: 召集帖:OSEB或者小生意人士

是啊,刚完成了10周的培训和Business Plan。
后面就是自己做了。

dawn2006 : 2010-10-18#100
回复: 召集帖:OSEB或者小生意人士

冒昧问您:是和电子产品进出口有关的小生意吗? 不知道多伦多那里有象北京中关村那样的电子市场?

alberto : 2010-10-18#101
回复: 召集帖:OSEB或者小生意人士

是啊,多伦多有电子市场,不过规模不大,电子元器件基本上都是网络订购和配送。

alberto : 2010-10-22#102
回复: 召集帖:OSEB或者小生意人士

注册公司后一定要开Business Account么?

Flying Dragon : 2010-10-23#103
回复: 召集帖:OSEB或者小生意人士

不是一定的。看你公司的形式,公司相互之间资金来往的频率,税务等问题,如果说公司帐务多的话,最好是开一个为好,不易混淆。

drnip : 2010-10-23#104
回复: 召集帖:OSEB或者小生意人士

:wdb44:做超声波清洗仪器的,主要用在餐具/医疗手术器械/贵重物品/小五金/实验室等场合

园丁师傅 : 2010-10-24#105
回复: 召集帖:OSEB或者小生意人士

向前辈们致敬和学习!

CHERRYCNCN : 2010-10-31#106
回复: 召集帖:OSEB或者小生意人士

国内的名酒在这里能卖吗?

alberto : 2010-10-31#107
回复: 召集帖:OSEB或者小生意人士

国内的名酒在这里能卖吗?

不允许私自卖,这边卖酒需要经过LCBO专卖。
其他省份不清楚。

ph8fish : 2010-11-02#108
回复: 召集帖:OSEB或者小生意人士

现在还有一个YEP(Young Entrepreneur Program),准对34岁以下的有自己创业的人士,条件比OSEB低。

看官方的文档,好像是18-29岁吧。

Applicants:

  • Youth 18 to 29 years of age are eligible to apply (Proof of age will be required).
  • Must be Canadian citizens or have received landed immigrant status
  • Must attend a three-day Business Start training program (depending on the location of your residence). Some applicants may be exempt if able to demonstrate past attendance at a similar business training.
  • Where more than one business partner or investor is involved, the principal applicant to the program must be significantly involved in the management of the business. Not all business partners must be eligible youth, however, the principal applicant must be in the 18-29 years of age range and meet all eligibility criteria.
  • Approved applicants must be working at the businesses on a full-time basis (30 hrs/wk), or if the business is not yet operational, the applicant must plan to work full-time and may not be employed elsewhere more than 20 hours a week or attending school on a full-time basis.
  • The applicant must be actively involved in all aspects of the business on a day-to-day basis.

alberto : 2010-11-03#109
回复: 召集帖:OSEB或者小生意人士

看官方的文档,好像是18-29岁吧。

Applicants:

  • Youth 18 to 29 years of age are eligible to apply (Proof of age will be required).
  • Must be Canadian citizens or have received landed immigrant status
  • Must attend a three-day Business Start training program (depending on the location of your residence). Some applicants may be exempt if able to demonstrate past attendance at a similar business training.
  • Where more than one business partner or investor is involved, the principal applicant to the program must be significantly involved in the management of the business. Not all business partners must be eligible youth, however, the principal applicant must be in the 18-29 years of age range and meet all eligibility criteria.
  • Approved applicants must be working at the businesses on a full-time basis (30 hrs/wk), or if the business is not yet operational, the applicant must plan to work full-time and may not be employed elsewhere more than 20 hours a week or attending school on a full-time basis.
  • The applicant must be actively involved in all aspects of the business on a day-to-day basis.

对,最近听YMCA的人说是30岁以下。

alberto : 2010-11-06#110
回复: 召集帖:OSEB或者小生意人士

会展信息:
http://www.duxes-events.com/md_2/

alberto : 2011-01-18#111
回复: 召集帖:OSEB或者小生意人士

http://www.enterprisetoronto.com/

OX. Digital Acces : 2011-01-22#112
回复: 召集帖:OSEB或者小生意人士

电子产品的进出口。


大哥现在就在做这方面的生意吗? 

alberto : 2011-01-22#113
回复: 召集帖:OSEB或者小生意人士

现在做小型的医疗电子产品。

alberto : 2011-02-02#114
回复: 召集帖:OSEB或者小生意人士

加了签名档。

dorenlee : 2011-02-14#115
回复: 召集帖:OSEB或者小生意人士

制造,出口:服装,服饰,鞋,工艺品,礼品,玩具,杂货

alberto : 2011-02-16#116
回复: 召集帖:OSEB或者小生意人士

今天听Enterprise Toronto的人讲:
CYBF年龄最大是35岁。

nmffs : 2011-02-23#117
回复: 召集帖:OSEB或者小生意人士

感谢感谢

世事浮云 : 2011-03-12#118
回复: 召集帖:OSEB或者小生意人士

现在多少周资助?!

alberto : 2011-03-12#119
回复: 召集帖:OSEB或者小生意人士

现在一律42周。

加拿大の恋 : 2011-03-22#120
回复: 召集帖:OSEB或者小生意人士

帮顶一下。


QQ:1004978550
05-09加国,09-至今中国

alberto : 2011-03-22#121
回复: 召集帖:OSEB或者小生意人士

帮顶一下。


QQ:1004978550
05-09加国,09-至今中国

现在中国做些什么呢?

加拿大の恋 : 2011-03-22#122
回复: 召集帖:OSEB或者小生意人士

现在中国做些什么呢?

有空上qq聊。

NINEYANG : 2011-04-01#123
回复: 召集帖:OSEB或者小生意人士

我也有兴趣,正在谋划中,其实这边很多生意可以做,但是前提是必须要有一定规模,这里不管是电子产品还是生活日用品都有很大的发展空间,但是必须要初具规模,如果小打小闹不会成多大气候的。。是一个新移民的浅见啊。。请大家多沟通,致在创业的路上或者还徘徊在创业的路上的通道中人。。

neutral : 2011-04-05#124
回复: 召集帖:OSEB或者小生意人士

good

cristor : 2011-04-25#125
回复: 召集帖:OSEB或者小生意人士

做机电产品进出口的,有兴趣联系。

nelements : 2011-05-29#126
回复: 召集帖:OSEB或者小生意人士

真高兴啊,找到组织了。
我是SEB intake #48的
alberto你是哪一期的?

我是做保健品网店的,网店刚建好,给点意见阿。www.nelements.ca

对了,这个论坛我为什么不能加签名档呢? 谢谢了!

littlebird0 : 2011-06-09#127
回复: 召集帖:OSEB或者小生意人士

will software be supported by OSEB?

nelements : 2011-06-12#128
回复: 召集帖:OSEB或者小生意人士

What kinds of business do you want to do?
Were/are you on EI?

There are several restrictions, but basically most of the business is qualified for the OSEB program.



will software be supported by OSEB?


----------------------------
健康元素www.nelements.ca

littlebird0 : 2011-06-13#129
回复: 召集帖:OSEB或者小生意人士

What kinds of business do you want to do?
Were/are you on EI?

There are several restrictions, but basically most of the business is qualified for the OSEB program.

I am going to be on EI
a software selling to college/university,




----------------------------
健康元素www.nelements.ca

alberto : 2011-06-22#130
回复: 召集帖:OSEB或者小生意人士

真高兴啊,找到组织了。
我是SEB intake #48的
alberto你是哪一期的?

我是做保健品网店的,网店刚建好,给点意见阿。www.nelements.ca

对了,这个论坛我为什么不能加签名档呢? 谢谢了!
我刚毕业,不过倒是没有注意是第几期的。

wyhzp : 2011-09-02#131
回复: OSEB的程序是怎样进行的?

那是不是刚刚新到的移民不能申请的啊?

四年陈 : 2011-09-07#132
回复: 召集帖:OSEB或者小生意人士

有什么活动?

螺贝 : 2011-09-11#133
回复: 召集帖:OSEB或者小生意人士

我也有想发,做点什么小生意德念头,国内拿过去,加德货物拿到国内。要不然人民币拿到那边花不是问题。有意向我吗多探讨。

螺贝 : 2011-09-11#134
回复: 召集帖:OSEB或者小生意人士

祝同胞们中秋节快乐

hudi2000 : 2011-11-09#135
回复: 召集帖:OSEB或者小生意人士

自有资金不能太多也不能太少,根据所开生意的类别的不同。最好请教一下有经验的人士。申请的成功与否也许就差一点点东西。

英语起码得有LINC五级这样的水平,五级以下的基本没戏。最后有一个presentation and interview。这个阶段非常关键。

还要有很好的计划,市场调研的东西,做得好一点,显得有一定的专业水准,这样有可能更顺利通过。
tks!

hudi2000 : 2011-11-09#136
回复: Canada Small Business Financing Loan(1)

今天来解读下“ [FONT=宋体]政府小生意担保贷款[/FONT]”(CSBFL),先看下官方网站的说法。

Industry Canada


Canada Small Business Financing Program

About the Program

Small businesses are an important part of Canada’s economy, but they face unique challenges when they look for financing.
The Canada Small Business Financing Program helps you with your financing needs. Under the program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.

The program’s main objectives are:


to help new businesses get started and established firms make improvements and expand
  • to improve access to loans that would not otherwise be available to small businesses
  • to stimulate economic growth and create jobs for Canadians
On average, the program helps small businesses access 10,000 loans worth more than $1 billion each year.

Who is eligible?

Small businesses operating for profit in Canada, with gross annual revenues of $5 million or less.
Not eligible under this program are farming businesses (Agriculture and Agri-Food Canada has a similar program for the farming industry for information, visit www.agr.gc.ca), not-for-profit organizations, or charitable and religious organizations.

How much financing is available?

Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

How do I apply for a loan?

Financial institutions deliver the program. Industry Canada does not participate in making the decision to accept or refuse your loan application.
Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will register the loan with Industry Canada. (List of lenders)

What can loans be used for under this program?

Loans can be used for financing up to 90% of the cost of:


  • purchasing or improving land, real property or immovables
  • purchasing leasehold improvements or improving leased property
  • purchasing or improving new or used equipment
For example, you can use a loan to finance:


  • buildings and land
  • commercial vehicles
  • hotel or restaurant equipment
  • computer or telecommunications equipment and software
  • production equipment
You cannot use a loan to finance items such as:


  • goodwill
  • working capital
  • inventories
  • franchise fees
  • research and development
What are the costs?

The interest rate is determined by your financial institution. The interest rate may be variable or fixed:

  • Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
  • Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.
A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government.

What are the terms of the financing?

Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee, which cannot exceed 25% of the total amount loaned.

For more information, please contact your financial institution.

This program is administered by:
Small Business Financing Directorate
Industry Canada
Telephone: 1-866-959-1699 (toll-free)
Fax: 1-613-952-0290
Email: Canada Small Business Financing Program
Internet: www.ic.gc.ca/csbfp
:wdb10:

冬瓜 : 2012-01-01#137
回复: Canada Small Business Financing Loan(1)


有关这方面借款,有需要的筒子,可以联系我。请看链接中第二十部分。近来有些变化,不过,我可以详细解释。http://forum.iask.ca/showthread.php?t=140989

Soft Kitty : 2012-01-26#138
回复: 召集帖:OSEB或者小生意人士

凑合热闹

ericlee_9 : 2012-02-21#139
回复: 召集帖:OSEB或者小生意人士

报名啊报名,请教楼上们,说来说去似乎都涉及个进出口,小白的问一下这个整套物流费用怎么才能真正的便宜下来,仿似咨询了几个快递公司海空都价格不菲,利润一压再压,始终让人举棋不定,有没有推荐啊?

lovefitness : 2012-03-21#140
回复: 召集帖:OSEB或者小生意人士

我家工厂是做健身器材的,如果需要资料,尽管开口
翻墙来的

mallplus : 2012-05-01#141
回复: 召集帖:OSEB或者小生意人士

支持!!!

arealnic : 2012-06-06#142
回复: 召集帖:OSEB或者小生意人士

刚开始准备创业。。。各种纠结。。。冒泡学习。。

white-lily : 2012-06-29#143
回复: 召集帖:OSEB或者小生意人士

没看明白,补课

alberto : 2012-07-28#144
回复: 召集帖:OSEB或者小生意人士

『新职星期六』大型免费公益讲座

本期主题:如何申请政府资助小生意和第二职业培训学费?

时间:7月28日(周六) 下午1点-2:30点

地址:2175 Sheppard Ave. East, Suite 103, Toronto (Sheppard Ave. / Consumers Rd 东南角)

内容:

正在享受或过去5年内享受过EI Benefit的朋友,安省政府可为你提供高达两万元的生活和培训费资助你启动小生意。
OSEB (Ontario Self Employment Benefit) 是安省政府为小生意创业者特设的一个资助项目,考虑到创业者最初没有市场经验,缺乏资金运作,没有合作渠道,没有充足的咨询,第一年较难存活的情况特提供10周的免费培训,和长达40余周的生活费资助,实为创业者梦寐以求的资助项目。
在安省,政府推出很多帮助新老移民就业的计划,其中最被华人移民熟悉的莫过于免费学费资助项目了。该项目自实施以来,吸引着大批失业人士的目光,但不少人还是对此了解的比较模糊,更有朋友们 因不了解学费改革而被拒之门外。
本期『新职星期六』主讲人:专业咨询人员,多年加国培训经验,精通学费申请的各环节运作,帮助数百人成功申请到学费和生活费。特别是在一对一地辅导和准备申请简历及面试等环节经验非常丰富.为了帮助大家更好的了解这两个项目的申请过程, 将于7月28日(星期六)下午1点举办免费公益讲座“如何申请政府资助自雇小生意和第二职业培训学费”,并在讲座中指导大家如何应对最重要的第二次Interview中的常见问题以及如何通过着装,自述,给你的Adviser留下好印象等。

『新职星期六』大型公益活动正在火爆进行中

精彩不容错过,赶快打电话报名吧
机会千载难缝,不容错过。座位有限,订满为止,赶快打电话定位吧:
订座电话:416 644 1998
网站地址: www.NewJob123.com

tim123 : 2012-09-03#145
回复: 召集帖:OSEB或者小生意人士

精美文具礼品套装
86-020-86865038 ext 820 程先生
wish1618@hotmail.com

fashion stationery gift set for kids items,

附件


年轻的老张 : 2012-09-20#146
回复: 召集帖:OSEB或者小生意人士

:wdb37:持续关注!:wdb10:

sjysxl : 2012-11-08#147
回复: 召集帖:OSEB或者小生意人士

好帖子,俺 也打算做点小生意,想把国内的小产品拿这边来卖,正在注册网站,不知道可行不?卖些什么好?

子非鱼 : 2012-11-17#148
回复: 召集帖:OSEB或者小生意人士

真高兴啊,找到组织了。
我是SEB intake #48的
alberto你是哪一期的?

我是做保健品网店的,网店刚建好,给点意见阿。www.nelements.ca

对了,这个论坛我为什么不能加签名档呢? 谢谢了!

请问建立这个网站是找谁做的 用megento做的吗 多少钱 谢谢:wdb6:

赴加之路 : 2013-01-10#149
回复: 召集帖:OSEB或者小生意人士

报名啊报名,请教楼上们,说来说去似乎都涉及个进出口,小白的问一下这个整套物流费用怎么才能真正的便宜下来,仿似咨询了几个快递公司海空都价格不菲,利润一压再压,始终让人举棋不定,有没有推荐啊?

不知您找到好的解决方案没?
物流费用的确很高。

xixila : 2013-03-05#150
回复: 召集帖:OSEB或者小生意人士

请问拿SEB补助期间能回国吗?谢谢!

alberto : 2013-03-15#151
回复: 召集帖:OSEB或者小生意人士

跟你现在的计划有关就可以回。

yukixue : 2013-05-25#152
回复: 召集帖:OSEB或者小生意人士

学习

JasmineMao : 2013-07-03#153
回复: 召集帖:OSEB或者小生意人士

有同学国内专做这个,有想法的话一起讨论讨论,老公反正刚来在家学英语还没有工作呢:)
哪些电子产品?

一些电子产品是要专门认证的,这方面一定要弄清楚。

ellietontsch : 2013-08-01#154
回复: 召集帖:OSEB或者小生意人士

非常有用的帖。最近也想开始自己的小生意。但还没有申请过EI,是不是就不可以申请SEB呢?正好也是想做电子产品。不知道protable charger的产品怎么样?还请大家多指教。

Ex0dus : 2013-08-11#155
回复: 召集帖:OSEB或者小生意人士

好贴!!送鲜花!已经拿到EI,最近一直在想怎么申请。现在一头雾水中!是先约councilor还是先拟定自己的business plain?望指点!谢谢

vkzj : 2013-08-12#156
回复: 召集帖:OSEB或者小生意人士

跑进来学习。。。。

想想鱼er : 2013-08-25#157
回复: 召集帖:OSEB或者小生意人士

想开母婴用品然后批发到国内,并且本地实体支持,有人想过这样的思路吗?

meg2010 : 2013-09-11#158
回复: 召集帖:OSEB或者小生意人士

Mark


俺来发表下。首先说明,俺非专业人士,亦是略知一二,讲得不对的地方,请TZM指正和拍砖!通过研讨让大家都来熟悉SEB这个东西。
谢谢!

===

SEB,加拿大EI人士自雇福利金,各省的称法有可能不一样。详情可参看如下链接:http://www.canadabusiness.ca/eng/

按下图SEB输入并搜索便得到各省的SEB引索,然后点击引索进入各省网站了解详情。



但没有BC省的,俺在BC省的网站找到,如附件Overview中第八页所示,好象称之为CFDC,不知对否?

meg2010 : 2013-09-11#159
回复: 是否是做生意的料呢?

Mark.


是否是做生意的料呢?这里有50个测试题,15分钟可完成。但只是个参考数,不一定准确。真遗憾!俺没得合格,因此,要找另一人来祢补:wdb7:

Entrepreneurial self-assessment

meg2010 : 2013-09-11#160
回复: Business Idea Center

Mark.

想找一下有什么合适做的生意吗?

Business Idea Center有近1000个选择可供参考。

meg2010 : 2013-09-11#161

meg2010 : 2013-09-11#162
回复: Starting Costs Calculator

Thanks!
开店在概要多少钱呢?
这里有个计算器可帮忙。:wdb20:

Starting Costs Estimator Calculator

meg2010 : 2013-09-11#163
回复: 是否是做生意的料呢?

怎么知道自己pass 了没有? 结果只是一些数字啊, 哪里有写pass or not? 也许我理解能力不行了?:wdb7:

I didn't pass too

meg2010 : 2013-09-11#164
回复: Canada Small Business Financing Loan(1)

学习。继续学习。
前辈们生意还在做吗?

今天来解读下“ [FONT=宋体]政府小生意担保贷款[/FONT]”(CSBFL),先看下官方网站的说法。

Industry Canada


Canada Small Business Financing Program

About the Program

Small businesses are an important part of Canada’s economy, but they face unique challenges when they look for financing.
The Canada Small Business Financing Program helps you with your financing needs. Under the program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders.

The program’s main objectives are:


to help new businesses get started and established firms make improvements and expand
  • to improve access to loans that would not otherwise be available to small businesses
  • to stimulate economic growth and create jobs for Canadians
On average, the program helps small businesses access 10,000 loans worth more than $1 billion each year.

Who is eligible?

Small businesses operating for profit in Canada, with gross annual revenues of $5 million or less.
Not eligible under this program are farming businesses (Agriculture and Agri-Food Canada has a similar program for the farming industry for information, visit www.agr.gc.ca), not-for-profit organizations, or charitable and religious organizations.

How much financing is available?

Up to a maximum of $500,000 for any one business, of which no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

How do I apply for a loan?

Financial institutions deliver the program. Industry Canada does not participate in making the decision to accept or refuse your loan application.
Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. The financial officer will review your business proposal and make a decision on your loan application. Once the decision is made to offer financing under the program, the financial institution will register the loan with Industry Canada. (List of lenders)

What can loans be used for under this program?

Loans can be used for financing up to 90% of the cost of:


  • purchasing or improving land, real property or immovables
  • purchasing leasehold improvements or improving leased property
  • purchasing or improving new or used equipment
For example, you can use a loan to finance:


  • buildings and land
  • commercial vehicles
  • hotel or restaurant equipment
  • computer or telecommunications equipment and software
  • production equipment
You cannot use a loan to finance items such as:


  • goodwill
  • working capital
  • inventories
  • franchise fees
  • research and development
What are the costs?

The interest rate is determined by your financial institution. The interest rate may be variable or fixed:

  • Variable rate: The maximum chargeable is the lender’s prime lending rate plus 3%.
  • Fixed rate: The maximum chargeable is the lender’s single family residential mortgage rate plus 3%.
A registration fee of 2% of the total amount loaned under the program must also be paid by the borrower to the lender. It can be financed as part of the loan.
The registration fee and a portion of the interest are submitted to Industry Canada by the lender to help offset the costs of the program for the government.

What are the terms of the financing?

Lenders are required to take security in the assets financed. Lenders also have the option to take an additional unsecured personal guarantee, which cannot exceed 25% of the total amount loaned.

For more information, please contact your financial institution.

This program is administered by:
Small Business Financing Directorate
Industry Canada
Telephone: 1-866-959-1699 (toll-free)
Fax: 1-613-952-0290
Email: Canada Small Business Financing Program
Internet: www.ic.gc.ca/csbfp

meg2010 : 2013-09-11#165
回复: 召集帖:OSEB或者小生意人士

网站做的很不错。 是找专业公司设计的吗? 做个有付费功能的网站大概每年需要多少钱?

What kinds of business do you want to do?
Were/are you on EI?

There are several restrictions, but basically most of the business is qualified for the OSEB program.






----------------------------
健康元素www.nelements.ca

blizzard820 : 2013-09-22#166
回复: 召集帖:OSEB或者小生意人士

过来了没有上过一天ESL,直接上学学习供应链管理。毕业了没有递交一份工作申请,想直接做自己的事情,看来都不符合条件哦
但是如果工作了,就懈怠了,想来就没有心劲再自己创业了呢。两难
这个计划就没法考虑了,呵呵。不过加政府真的蛮体贴的

Freda : 2013-11-11#167
回复: OSEB的程序是怎样进行的?

OSEB[FONT=宋体]的程序是怎样进行的[/FONT]?

如下内容属于转贴。

SEB Self-Employment Benefit计划是由Service Canada提供的一项政府性的福利计划。主要是为有兴趣在加拿 大创业,开立小生意的人提供一种无偿经济援助。政府从1993开始运行这个项目,根据最新权威统计,通过这种通过政府资助来扶持小生意度过第一个财年,可以有70% 以上的小生意获得5年以上的生命期。所以事实证明这种方法是很成功的。
http://www.edu.gov.on.ca/eng/tcu/employees/selfEmployment.html
http://www.senecac.on.ca/community/seb.html
http://www.tbdc.com/oseb.php
http://www.centennialcollege.ca/coe/oseb

常见问题:
1)、什么是SEB Program


SEB Program是一个52周的创业启动项目,前10周培训,形成正式的商业计划;后42周辅导并生意正式运作。政府补贴个人CAD423/ x 52周,不用归还。




2)、谁有资格申请SEB Program


3年内享受过RegularEI,5年内享受过PregnancyEI;​

并且现在每周工作少于20小时;

并且有资格在加拿大工作;


并且个人有CAD5499以上的投资。




3)、有什么审核标准?​


1。商业概念的可行性,占50%


2。有接受培训辅导的需要(25%),并且有培训的潜力(Coachable,25%).​




4)、怎样申请?​


1。就业辅导机构推荐,有Return-to-Work Action Plan


2SEB辅导机构参加Information Session,提供个人信息,一周内书面申请;


3。准备Business Concept Presentation,2-4周后向SEB辅导机构介绍,SEB辅导机构决定是否批准推荐到政府。如果被拒绝了,程序结束。


4。等待政府批准。




5)、不被考虑的生意有哪些?​


1。特许


2。咨询


3。专业(Doctor, lawyer, accountant, architect, etc.)​


4。直接依靠Commission的销售


5。传销


6。只有一个客户的Subcontractor​


7Skilled trades​


8MBA​


9。非盈利机构


10。季节性的生意

SEB Program同时对培训辅导期间的权利义务有严格的规定,其中一条就是所有信息(当然包括以上信息了)归SEB Program所有,学员不得擅自利用!

6)、是不是没有领过EI 或者父母金的 就没有qualify 申请啊?

对,这个PROGRAM是政府无偿资助那些失业了,没有找到工作,愿意通过做小生意快速回归工作状态的人设立的。下面这个链接很明确地指明了那些人符合条件。
http://www.edu.gov.on.ca/eng/tcu/emp...mployment.html


7)、如果顾问已经批准了,接受了生意计划,然后告诉我,再等6周,是否还会有面试,这是那个部门进行的,会有几次面试?如果最后一次通过了,是否立刻给钱?

对 不起,我没有看懂你的意思,什么叫顾问批准了?这个PROGRAM是必须通过政府批准的。那些顾问和BUSINESS COACH都是帮助你申请的人,他们是靠这个PROGRAM吃饭的,没有资格通过或不通过。你如果已经在申请了,你应该知道要先找顾问做RETURN TO WORK ACTION PLAN,然后去办这个PROGRAM的学校递交BUSINESS CONCEPT PLAN, 那里的人如果对你的PLAN感兴趣,会让你去做PRESENTATION, 完了他们再决定推荐不推荐你。如果他们推荐你,就成功了80-90%。最后才是政府审核,会找电话问你一些问题,他们讨论完以后会通知成功CASE去签一 份AGREEMENT,然后开始上课(一个半月左右)。不成功的也会通知,但会有下次机会继续申请。(修改BUSINESS CONCEPT PLAN)我不知道你走到哪一步了?


8)、WHERE IS THE LIST?!
HERE IT IS: 譬如特许经营,咨询,专业人士(Doctor, lawyer等),直接依靠Commission的销售,只有一个客户的Subcontractor,MBA,非盈利机构及季节性的生意。


9)、领了钱一年后去找了工作,要还钱吗?
不用还,是无偿的。在这里我想提醒一下国人,这个PROGRAM是政府出资帮助那些真正想做生意的人。 政府花了大力气,投入了想当的成本和人力,成功以后要去上课,会有专人帮助你制定BUSINESS PLAN 和在随后的一年里跟踪运营情况。所以善意提醒一下,提前想好BUSNIESS IDEA, 做好市场调研,准备投入大量的时间去好好经营你的生意才去申请这个BENEFITS,要不就是浪费政府的钱和自己的时间和钱。


10)、请问:申请这个SEB PROGRAM 对申请者的语言程度有要求吗?
没有明确的要求,但是如果你去听不懂他们要求你准备的东西,PRESENTATION做不出来,政府的人打电话问你问题你听不懂,估计他们也不会批给你。但是我们现在这个班上有一半的人是英语是第二语言的,所以你可以尝试一下。


11)、在哪报名?
据我所知,现在多伦多只有三家机构是政府指定的,我在的这家是JOBSKILLS, 另外两家我不是很清楚,但你去找顾问做RETUREN TO ACTION PLAN 的时候,他们会告诉你,让你选。 据内部消息(我们上课的时候COACH说的,不知道可靠不可靠),JOBSKILLS的申请批准率是最高的,因为政府希望把小生意集中在北边多一些。 这里是他们的WEB: http://www.jobskills.org/seb/

======================================================

Ontario Self-Employment Benefits Program

The Ontario Self-Employment Benefits (OSEB) Program provides a competitive edge for those wishing to start their own business. The program provides eligible unemployed applicants, selected through competition, with comprehensive business training, practical advisory assistance and up to one year of income support.


The formal training phase of the program focuses on all aspects of business preparation and planning. Upon graduation from the training phase, each participant would have completed a comprehensive business plan for his or her particular business venture. In the remaining ten months of the program, participants receive ongoing business counselling and income support for the start-up and development of their business.


Who Can Apply
The program is available to residents in the Toronto area who are unemployed and eligible for, or collecting, Employment Insurance Benefits.


A provision is made for eligible 'reach back' individuals who are currently unemployed and whose EI benefits ended within the past three years (or whose benefits started within the past five years for maternity or paternity benefits.) To determine if you are eligible for the program as a 'reach back' client, contact the Human Resource Assessment Centre nearest you.
Applicants must agree to make a full-time commitment to their business, complete all the requirements of the OSEB Program and establish a viable business.

How the OSEB Program Works

1、Phase I - Registration and Orientation:
Contact your local Assessment Centre (AC) to make an appointment. Your AC will evaluate your needs and prepare a Return-to-Work-Action Plan indicating their approval of your pursuing self employment as a career option. Your AC will advise you of future OSEB Information/Orientation Sessions to be conducted by the Centre of Entrepreneurship and other Toronto OSEB coordinators. Participants at these orientation session will learn about the program, what is required in the application process, and decide whether or not they wish to apply and be considered for the program.

2、Phase II -Self-Assessment and Selection:
Participants progressing into this phase are provided with the guidance and assistance required to assess the validity of their business idea, to make decisions about their personal effectiveness and to j udge their own suitability for self-employment.
Employment Ontario makes the final selection of successful participants out of this phase for formal entry into the OSEB Program.

3、Phase III - Training & Self-Employment Development:
This phase lasting 8 weeks, is the official start of the program, and provides practical, skill-based instruction on adult learning principles, such as workshop training, one-on-one counselling, and individual research providing a balanced learning approach.
Instruction focuses on all aspects of business planning and operations for a new business. Upon graduation from this training phase, each participant would have completed a well-prepared, comprehensive business plan for his or her particular business venture.

4、Phase IV - On-Going Business Support:
This final phase of the program lasting 10 months is designed to provide advisory support and follow-up business counselling to participants during the start-up and development of their new businesses. Advisors maintain regular contact with the program participants, visiting their place of business when necessary, to monitor the progress of each business.
:wdb37:谢谢!

文文1071 : 2013-11-13#168
回复: 召集帖:OSEB或者小生意人士

4年前参加的,经验是一定要把business选好,这等于是个种子,别的事做得再好也只是浇水施肥。 机会难得,如果business还没太大把握,宁愿等下一期。

Weicheng : 2014-02-07#169
回复: 召集帖:OSEB或者小生意人士

请问nelements你的这个网站是找谁做的,需要花费大约多少钱?

Weicheng : 2014-02-07#170
回复: 召集帖:OSEB或者小生意人士

真高兴啊,找到组织了。
我是SEB intake #48的
alberto你是哪一期的?

我是做保健品网店的,网店刚建好,给点意见阿。www.nelements.ca

对了,这个论坛我为什么不能加签名档呢? 谢谢了![/QUOTE】

请问你这网站找谁做的?价格花费高吗?我正愁如何建个网站,放点电子产品。

Weicheng : 2014-02-07#171
回复: 召集帖:OSEB或者小生意人士

家园里筒子做电子产品的欢迎赐教呀

matrix928 : 2014-07-04#172
好帖子要顶,有志者们继续

leoo : 2014-08-23#173
thanks

OSEB的程序是怎样进行的?

OSEB[FONT=宋体]的程序是怎样进行的[/FONT]?

如下内容属于转贴。

SEB Self-Employment Benefit计划是由Service Canada提供的一项政府性的福利计划。主要是为有兴趣在加拿 大创业,开立小生意的人提供一种无偿经济援助。政府从1993开始运行这个项目,根据最新权威统计,通过这种通过政府资助来扶持小生意度过第一个财年,可以有70% 以上的小生意获得5年以上的生命期。所以事实证明这种方法是很成功的。
http://www.edu.gov.on.ca/eng/tcu/employees/selfEmployment.html
http://www.senecac.on.ca/community/seb.html
http://www.tbdc.com/oseb.php
http://www.centennialcollege.ca/coe/oseb

常见问题:

1)、什么是SEB Program

SEB Program是一个52周的创业启动项目,前10周培训,形成正式的商业计划;后42周辅导并生意正式运作。政府补贴个人CAD423/ x 52周,不用归还。


2)、谁有资格申请SEB Program
3年内享受过RegularEI,5年内享受过PregnancyEI;
并且现在每周工作少于20小时;

并且有资格在加拿大工作;
并且个人有
CAD5499以上的投资。


3)、有什么审核标准?

1。商业概念的可行性,占50%

2。有接受培训辅导的需要(25%),并且有培训的潜力(Coachable,25%).


4)、怎样申请?

1。就业辅导机构推荐,有Return-to-Work Action Plan

2SEB辅导机构参加Information Session,提供个人信息,一周内书面申请;
3。准备Business Concept Presentation,2-4周后向SEB辅导机构介绍,SEB辅导机构决定是否批准推荐到政府。如果被拒绝了,程序结束。
4。等待政府批准。


5)、不被考虑的生意有哪些?

1。特许

2。咨询
3。专业(Doctor, lawyer, accountant, architect, etc.)
4。直接依靠Commission的销售
5。传销
6。只有一个客户的Subcontractor
7Skilled trades
8MBA
9。非盈利机构
10。季节性的生意
SEB Program同时对培训辅导期间的权利义务有严格的规定,其中一条就是所有信息(当然包括以上信息了)归SEB Program所有,学员不得擅自利用!

6)、是不是没有领过EI 或者父母金的 就没有qualify 申请啊?

对,这个PROGRAM是政府无偿资助那些失业了,没有找到工作,愿意通过做小生意快速回归工作状态的人设立的。下面这个链接很明确地指明了那些人符合条件。
http://www.edu.gov.on.ca/eng/tcu/emp...mployment.html


7)、如果顾问已经批准了,接受了生意计划,然后告诉我,再等6周,是否还会有面试,这是那个部门进行的,会有几次面试?如果最后一次通过了,是否立刻给钱?

对 不起,我没有看懂你的意思,什么叫顾问批准了?这个PROGRAM是必须通过政府批准的。那些顾问和BUSINESS COACH都是帮助你申请的人,他们是靠这个PROGRAM吃饭的,没有资格通过或不通过。你如果已经在申请了,你应该知道要先找顾问做RETURN TO WORK ACTION PLAN,然后去办这个PROGRAM的学校递交BUSINESS CONCEPT PLAN, 那里的人如果对你的PLAN感兴趣,会让你去做PRESENTATION, 完了他们再决定推荐不推荐你。如果他们推荐你,就成功了80-90%。最后才是政府审核,会找电话问你一些问题,他们讨论完以后会通知成功CASE去签一 份AGREEMENT,然后开始上课(一个半月左右)。不成功的也会通知,但会有下次机会继续申请。(修改BUSINESS CONCEPT PLAN)我不知道你走到哪一步了?


8)、WHERE IS THE LIST?!
HERE IT IS: 譬如特许经营,咨询,专业人士(Doctor, lawyer等),直接依靠Commission的销售,只有一个客户的Subcontractor,MBA,非盈利机构及季节性的生意。


9)、领了钱一年后去找了工作,要还钱吗?
不用还,是无偿的。在这里我想提醒一下国人,这个PROGRAM是政府出资帮助那些真正想做生意的人。 政府花了大力气,投入了想当的成本和人力,成功以后要去上课,会有专人帮助你制定BUSINESS PLAN 和在随后的一年里跟踪运营情况。所以善意提醒一下,提前想好BUSNIESS IDEA, 做好市场调研,准备投入大量的时间去好好经营你的生意才去申请这个BENEFITS,要不就是浪费政府的钱和自己的时间和钱。


10)、请问:申请这个SEB PROGRAM 对申请者的语言程度有要求吗?

没有明确的要求,但是如果你去听不懂他们要求你准备的东西,PRESENTATION做不出来,政府的人打电话问你问题你听不懂,估计他们也不会批给你。但是我们现在这个班上有一半的人是英语是第二语言的,所以你可以尝试一下。


11)、在哪报名?
据我所知,现在多伦多只有三家机构是政府指定的,我在的这家是JOBSKILLS, 另外两家我不是很清楚,但你去找顾问做RETUREN TO ACTION PLAN 的时候,他们会告诉你,让你选。 据内部消息(我们上课的时候COACH说的,不知道可靠不可靠),JOBSKILLS的申请批准率是最高的,因为政府希望把小生意集中在北边多一些。 这里是他们的WEB: http://www.jobskills.org/seb/


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Ontario Self-Employment Benefits Program

The Ontario Self-Employment Benefits (OSEB) Program provides a competitive edge for those wishing to start their own business. The program provides eligible unemployed applicants, selected through competition, with comprehensive business training, practical advisory assistance and up to one year of income support.


The formal training phase of the program focuses on all aspects of business preparation and planning. Upon graduation from the training phase, each participant would have completed a comprehensive business plan for his or her particular business venture. In the remaining ten months of the program, participants receive ongoing business counselling and income support for the start-up and development of their business.


Who Can Apply
The program is available to residents in the Toronto area who are unemployed and eligible for, or collecting, Employment Insurance Benefits.


A provision is made for eligible 'reach back' individuals who are currently unemployed and whose EI benefits ended within the past three years (or whose benefits started within the past five years for maternity or paternity benefits.) To determine if you are eligible for the program as a 'reach back' client, contact the Human Resource Assessment Centre nearest you.
Applicants must agree to make a full-time commitment to their business, complete all the requirements of the OSEB Program and establish a viable business.


How the OSEB Program Works

1、Phase I - Registration and Orientation:
Contact your local Assessment Centre (AC) to make an appointment. Your AC will evaluate your needs and prepare a Return-to-Work-Action Plan indicating their approval of your pursuing self employment as a career option. Your AC will advise you of future OSEB Information/Orientation Sessions to be conducted by the Centre of Entrepreneurship and other Toronto OSEB coordinators. Participants at these orientation session will learn about the program, what is required in the application process, and decide whether or not they wish to apply and be considered for the program.

2、Phase II -Self-Assessment and Selection:

Participants progressing into this phase are provided with the guidance and assistance required to assess the validity of their business idea, to make decisions about their personal effectiveness and to j udge their own suitability for self-employment.
Employment Ontario makes the final selection of successful participants out of this phase for formal entry into the OSEB Program.

3、Phase III - Training & Self-Employment Development:

This phase lasting 8 weeks, is the official start of the program, and provides practical, skill-based instruction on adult learning principles, such as workshop training, one-on-one counselling, and individual research providing a balanced learning approach.
Instruction focuses on all aspects of business planning and operations for a new business. Upon graduation from this training phase, each participant would have completed a well-prepared, comprehensive business plan for his or her particular business venture.

4、Phase IV - On-Going Business Support:

This final phase of the program lasting 10 months is designed to provide advisory support and follow-up business counselling to participants during the start-up and development of their new businesses. Advisors maintain regular contact with the program participants, visiting their place of business when necessary, to monitor the progress of each business.[/QUOTE

thanks

darcyvent : 2015-01-14#174
这个成功率有多大呢,想参加一下,又怕耽误了时间。

CHERRYCNCN : 2015-01-19#175
这个成功率有多大呢,想参加一下,又怕耽误了时间。
这个要想好了才开始。如果没有什么商业计划的,还不如打工去。

darcyvent : 2015-01-20#176
这个要想好了才开始。如果没有什么商业计划的,还不如打工去。
其实我早有一个生意计划了,只是这个项目太坑爹。它强调你可以买个生意,但不能买亲戚的不能是做过生意的,。。。那么多事事,必需参加这个培训十周后才正式开店,真有店要买,黄花菜早凉了;要是你新开一个生意呢,前面要经过填表,面试,筛选,选不上时间过去好久了;选上了培训过程中找地点,哪就能正好找得到,除非象他们强调的,,可以在家开。我想开的这个生意,还真在家不好开。要是早找好location,还得等它通过呢,房租先交着等?

darcyvent : 2015-01-24#177
我想参加这个项目再低价买个别人做的不太好的小生意,通过这个项目的帮助把那种小生意做起来。 它的规定里是允许买现存的生意的。可是看到同胞写的都是开新生意,并且存款最好要少于一万。能不能说买小生意,存款放上够买生意的数量比如说二万多? 这上面有什么讲究啊?

东方太子 : 2015-07-04#178
回复: 召集帖:OSEB或者小生意人士

现在做小型的医疗电子产品。
你好,我在国内也是搞医疗器械的,现在已拿到枫叶卡,准备2016年底长登,能留个联系方式吗?方便以后交流。谢谢了

sylpyz : 2018-07-17#179
这个计划还有吗,刚拿到EI的飘过,谢谢。