Thank you, Mr. Chair.
Small businesses in Manitoba employ 73% of Manitobans. That's over 286,000 Manitobans. I've been speaking with many small business owners in my riding. It's been heartbreaking, frankly, to hear that everything they've built and sacrificed for is in serious jeopardy, and through no fault of their own. Your government has created programs that are supposed to help them, but many legitimate businesses aren't able to apply. That could mean bankruptcy and cost thousands of Manitobans jobs. This is wrong. I'm hoping to hear specifics, not just nice words, on what you're going to do to help them.
There are three issues regarding access to the $40,000 CEBA loan. First, businesses that recently incorporated—for example, in late 2019—are unable to apply their entire 2019 payroll. As a result, many are falling short of the $20,000 payroll threshold required to qualify for this loan. Second, many businesses contract their employees rather than have them on payroll. They also are unable to qualify for this loan. Third, many businesses use personal rather than business banking accounts. They aren't able to qualify for this loan either.
What is your government going to do about these three scenarios?