Curated Canadian programs, services, and tools — all free. Jobs & training, home energy grants, income support, mental health, community identity, and more.
Enter your city or postal code to find food banks, legal clinics, housing help, and more nearby.
92 resources found
Canada's largest free job board. Browse thousands of postings, get career advice, and access resume tools.
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Free short-term training courses, career planning tools, and job-seeker guides from the federal government.
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NS provincial programs including career planning, skills training, back-to-work support, and targeted wage subsidies.
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40-week program for EI-eligible individuals in NS that turns unemployment into business ownership — includes coaching, training, and income support.
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Provincial program assisting unemployed individuals to launch a sustainable self-employed business, with financial and advisory support.
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Employer-linked training grants for Ontario workers — employers can get up to $10,000 toward training costs.
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Free job search, skills training, and career development services for BC residents through provincial WorkBC centres.
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Free employment coaching, skills training, and career development supports for Albertans.
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Federal program funding skills upgrading in literacy, digital skills, problem-solving, and communication for Canadian workers.
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Federally-funded provincial training programs that pay for skills upgrading, apprenticeships, and return-to-work supports.
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Free employment programs, bridging programs, credential recognition, and job-matching for newcomers to Nova Scotia.
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Free employment programs, sector-specific job search coaching, and skills development for newcomers across Ontario.
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Rebates up to $5,000 for qualifying heat pump installations in Nova Scotia. One of the best energy savings programs in Canada.
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Annual rebate of up to $1,000 for low-income NS homeowners and renters to help cover home heating costs. Opens October each year.
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Local emergency fuel assistance for Pictou County, NS residents who cannot afford heating fuel. Not-for-profit, community-funded.
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Up to $18,000 (grant + forgivable loan) for low-income NS homeowners to fund essential home repairs and accessibility upgrades.
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Federal grants up to $5,600 for energy-efficient home retrofits including insulation, windows, heat pumps, and more.
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Federal program offering up to $15,000 for low-to-median-income households to switch from oil heating to a heat pump.
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Ontario natural gas customers can receive rebates on insulation, smart thermostats, and energy-efficient upgrades.
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Free energy efficiency upgrades, rebates, and bill assistance for low-income BC Hydro customers.
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Helps low-income Ontario customers with past-due natural gas or electricity bills — can clear arrears and prevent disconnection.
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Business Development Bank of Canada offers startup loans, growth financing, and free advisory services for Canadian entrepreneurs.
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Federal loan-guarantee program making it easier for small businesses to get up to $1.15M in financing from banks.
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Loans up to $60,000 plus mentorship for Canadians 18-39 starting a business.
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Atlantic Canada Opportunities Agency funding for Atlantic region businesses — grants, loans, and advisory programs.
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Federal grants and advisory services for small businesses doing innovation, technology, and product development.
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NS provincial agency supporting business startups, growth, and investment with funding programs, coaching, and connections.
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Federal funding and programs specifically supporting women-owned businesses, including loans and mentorship.
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Free national network for Canadian entrepreneurs: mentorship, events, training, and connection to funding programs.
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Apply for EI, CPP, OAS, and all other federal income support programs from one place.
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Tax-free monthly payments for families with children under 18. Many families receive thousands per year — check eligibility.
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Quarterly CRA payments to individuals and families with low and modest incomes — automatic with tax filing.
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Refundable tax credit for low-income workers. Many eligible Canadians never claim it — worth up to $2,600/year.
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Non-refundable federal tax credit for Canadians with disabilities — can also unlock RDSP savings accounts.
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Monthly federal payments for seniors 65+. Low-income seniors may also qualify for Guaranteed Income Supplement (GIS).
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Monthly federal payment for widowed Canadians aged 60-64 with low income whose spouse/partner has died.
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Monthly CPP payments for surviving spouses and children of deceased CPP contributors.
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Provincial income and disability support for Ontario residents in financial need.
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Financial assistance and supports for NS residents who cannot meet basic needs.
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BC's income and disability assistance programs for residents in financial need.
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Alberta's income support program for low-income individuals and families.
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New federal monthly benefit for working-age Canadians with disabilities. Payments began July 2025 — apply now.
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Income assistance for First Nations individuals on reserve, administered through Indigenous Services Canada.
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Call 211 or visit the website to find local income, housing, food, and social assistance programs in every province.
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Pull your raw credit report. Bring it to your Clear Ground session — we'll show you exactly what it means and what to fix first.
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Check for errors or old collections on your TransUnion report. Clear Ground helps you act on what you find.
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Know your legal rights with collection agencies — what they can and can't do, and how to file a complaint.
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Province-by-province breakdown of tenant and consumer rights, debt collection rules, and how to fight back.
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File complaints about debt collector harassment or improper use of your personal data.
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Rent assistance, affordable housing programs, and homeowner support resources across Canada.
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Find emergency shelters, transitional housing, and rent bank programs anywhere in Canada.
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File applications, understand your rights, and get mediation for Ontario rental disputes.
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Tenant and landlord rights, dispute resolution, and rental assistance programs in Nova Scotia.
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Tenant rights, dispute resolution, and rental assistance for BC residents.
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Affordable homeownership programs for low-income families across Canada.
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Tax-free savings account for first-time home buyers — contribute up to $8,000/year, $40,000 lifetime.
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Find your nearest food bank anywhere across Canada.
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Emergency help for food, utilities, and essential needs across Canada.
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Helps Ontario customers with past-due natural gas or electricity bills.
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Annual rebate for low-income NS households to help cover home heating costs. Opens October each year.
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Food access programs and community support for Toronto-area residents.
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Food bank network connecting people across NS with food hampers and meal programs.
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Free legal advice and representation for low-income Ontarians in civil, family, and criminal matters.
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Free community legal clinics near you for tenant, employment, or benefits issues.
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Free legal services for eligible NS residents in family, criminal, and poverty law.
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Legal aid and free legal resources for low-income BC residents.
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Free summary legal advice from volunteer lawyers, in person and by phone.
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Helping low- and moderate-income people fight for tenant and consumer rights across Canada.
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Call or text 9-8-8 anytime in Canada for free, confidential suicide prevention and crisis support.
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24/7 crisis support line connecting Canadians to local mental health intervention services.
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Evidence-based guides on depression, anxiety, addiction, trauma, and financial stress.
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Free guided self-help program for adults experiencing mild to moderate depression or anxiety.
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Nova Scotia's 24/7 crisis line. Call 1-888-429-8167.
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Free 24/7 mental health, addictions, and crisis services info for Ontario residents.
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Free professional counselling for post-secondary students across Canada.
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Free, confidential addiction support referrals across Canada. Call 1-800-565-8603.
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Evidence-based mental health and substance use information for BC residents.
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African Nova Scotian men's organization dedicated to community advancement, Black youth empowerment, and responsible leadership.
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Free culturally appropriate health care, wellness, and community support for Black men in Nova Scotia.
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Canada's leading 2SLGBTQI+ organization with advocacy, education, crisis resources, and community support.
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Canada's longest-running 2SLGBTQ+ centre: counselling, crisis support, and financial assistance referrals.
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Free counselling, peer support, legal info, and community programs for 2SLGBTQ+ people in BC.
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Two-Spirit and Indigenous LGBTQ+ support network with culturally grounded resources across Canada.
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Toronto organization offering social support, housing navigation, and financial assistance referrals for Black Canadians.
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NS organization supporting African Nova Scotians with civic advocacy, resources, and services navigation.
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Settlement, employment, language, and social support for newcomers to Nova Scotia.
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Professional clothing, career coaching, and employment support for women and non-binary individuals re-entering the workforce.
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National network providing professional attire and career development for women and non-binary people.
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Safe housing and support for women exiting sexual exploitation, including financial recovery and employment help.
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Support for people exiting the justice system — employment, housing, financial recovery, and community reintegration.
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Support for women and girls in the justice system with housing, employment, and reintegration across Canada.
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Skills training and employment support for youth and adults building careers and financial independence.
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These links are provided for informational purposes only. Clear Ground Financial does not endorse or guarantee any third-party services. Always verify eligibility directly with the program.