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Eligibility


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. 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.

Planning to pursue training, licensure or a course of study to achieve your career goals.

To be eligible for a Windmill loan, you must have costs associated with a plan to achieve your professional goals, which may include exam fees, skills assessment, retraining, or programs of study that are less than two years.

Have landed in Canada.

You must be living in Canada to apply for a loan 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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