Indigenous Funding Calculator
Funding planning tool

Indigenous Funding Calculator

Estimate how a business project may be funded using a mix of grant funding, owner equity, development financing, and commercial lending.

This calculator is designed primarily for Indigenous-focused funding programs in Canada, but it can also be used as a general funding planning tool.

See your likely funding stack Understand how grants, equity, and financing may fit together.
Understand required equity Review the planning minimum built into the model.
Spot lender dependence early See how much outside financing may still be needed.
Planning tool only
Final structure depends on eligible costs, lenders, and program rules.
Indicative use
Useful for early-stage funding conversations, business planning, and application preparation.
Step 1

Business Plan Cost Split

Add the expected business plan cost to see a simple planning split.

In many cases, a properly structured business plan is needed to access grant and loan funding.
This section uses a simple planning split only. Actual support depends on the program and approval terms.
Your estimated portion
$0
25%
Potential funded portion
$0
75%
Step 2

Project Costs

Enter your anticipated project costs to build the funding stack below.

Total project cost
$0
Auto-calculated from project costs.
Why this matters
This cost base drives the illustrative grant, equity, agency loan, and outside financing estimates below.
Step 3

Funding Stack Output

Your entered costs drive the planning estimate below.

Total project cost
$0
100%
Indicative grant portion
$0
0%
Owner equity assumption
$0
0%
Indicative development / agency loan portion
$0
0%
Estimated outside financing required
$0
0%
Remaining funding gap
$0
0%
Grant
Owner equity
Agency loan
Outside financing
Gap
Waiting for inputs

Funding logic

Total project cost$0
Grant cap rule40% up to $100,000
Owner equity rule10% minimum assumption
Loan cap ruleUp to $250,000
Outside financing in this modelCalculated automatically
Remaining gap after stack$0

What this means for your project

Enter project costs to see how your funding structure may come together.

Key watchpoint

Once you enter project costs, this area will highlight the biggest pressure point in the stack.

Insights

Dynamic observations based on your inputs.

Tip
Start with the grant guide on our Indigenous funding page. It explains how these programs actually work and how to structure your application properly.

Looking for Actual Funding Programs?

This calculator is a planning estimate. Program fit is the real question.

This tool helps you think through the structure. The next step is identifying which programs your project may actually fit into, how eligible costs should be framed, and how the stack should be presented.

View Indigenous funding programs and grant guide →

Free Resource
2026 Indigenous Business Grant Guide
Programs, planning tips, and funding strategy insights

Download the 2026 Grant Guide

A clear breakdown of how funding programs actually work — including grants, interest-free loans, and how to structure your application properly.

  • Understand how funding stacks actually work
  • Learn what costs are typically eligible
  • Avoid the most common application mistakes
Download the 2026 Grant Guide →
Free resource · No signup required

Turn this estimate into an approved funding structure

This calculator gives you a starting point — but real funding depends on how the project is structured, presented, and aligned with actual program requirements.

We take your exact project and:

  • Map it to real grant and funding programs
  • Structure the funding stack across multiple sources
  • Prepare the business plan and financial projections
  • Position the application for the strongest chance of approval

Prefer email? Reach out at [email protected]

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Built by a professional advisor with experience in business plans, funding strategy, and acquisition advisory.