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To be eligible for a Windmill microloan, you must:

Be an immigrant and a Permanent Resident, Provincial Nominee, Refugee/Protected Person, or Canadian Citizen.

Loan applicants must have one of the immigration statuses listed above. Also please note that Windmill offers a Refugee Loan Program that is interest-free.

Unfortunately, we are not able to offer a loan if you are an international student, live-in caregiver, refugee claimant, or temporary foreign worker.

Have landed in Canada.

You must be living in Canada to be eligible for our program. Note that we are now able to lend in Quebec, so we can work with you anywhere in Canada, regardless of which province or territory you live in.

Intend to work in the same field you had before landing in Canada.

Windmill loans can only be used to help you return to the same or related work you had before you first landed in Canada. Windmill loans cannot be used to help you start a career in a new field.

If you are already working in your field but underemployed (working at a level much lower than someone with your education or experience should be), you may be eligible for a loan.

Lack access to comparable financial resources.

You may apply for a Windmill loan if you are unable to borrow from the bank or if the interest rates and loan terms are not comparable to what you would receive from Windmill.

Not have an undischarged bankruptcy.

If you have filed for bankruptcy in Canada, your bankruptcy ends when it is discharged. This means that you are released from your legal obligation to repay the debts covered by your bankruptcy. We cannot consider your application if your bankruptcy is still active.

If you’re eligible, get your documents ready and start your application.

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