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The Canada Emergency Business Account (CEBA) is an initiative of the Government of Canada.  The official Government website is


CEBA Refinancing Average Meter

The Refinace Meter shows how likely you are to receive a loan from this financial institution.  It assumes that you don’t have the money to repay the loan and have an average credit score.

If you don't have the funds to repay the CEBA loan by January 18,2024, to qualify for the loan forgiveness, ATB will consider extending a business loan to customers that meet their credit criteria.

How to Repay

To make a repayment or payment towards your CEBA loan, please reach out to your relationship manager, an ATB Branch or ATB Call Centre where a team member will be happy to guide you.
If your CEBA loan is in good standing, and there are no unresolved issues with your previous applications, a portion of your loan may be forgiven: $20,000 for a $60,000 loan and $10,000 for a $40,000 loan.

To qualify for forgiveness, you must repay your CEBA loan (minus the forgiveness amount) before December 31, 2023.

The forgiveness portion of the CEBA program is optional. You may choose not to claim forgiveness—we recommend that you speak with your accountant about the tax implications. If you choose to claim forgiveness on your CEBA loan, please talk with an ATB team member.


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