Updated October 16, 2026
Every ceba.ca guide in one place. Your CEBA loan balance is due on December 31, 2026, with 5% interest since January 19, 2024. Start with what happens if you can’t pay, find the payoff steps for your bank, or read the guide for your industry. When you are ready, compare lenders that refinance CEBA loans.
The December 31, 2026 deadline
What happens if I can’t pay?
- CEBA loan due Dec 31: refinance or CRA collections?
- Is the CEBA loan personally guaranteed?
- What happens if your business closes?
- Will I go bankrupt if I don’t repay?
- Is the CEBA loan taxable?
- CEBA refinancing requirements
- CEBA collection letter from the CRA
- CEBA payment plans with the CRA
- Can you settle a CEBA loan for less?
Pay off your bank
Tools and essentials
- Compare CEBA refinancing lenders
- CEBA by the numbers: loans outstanding and CRA collections
- CEBA loan repayment guide 2026
- CEBA FAQ (updated for 2026)
- CEBA repayment calculator
- Get matched with CEBA refinancing lenders
ceba.ca is an independent website and is not affiliated with the Government of Canada. Official program information is at ceba-cuec.ca.