Manitoba Environmental Enhancement Loans
Environmental Enhancement Loans assist producers in modifying their current operations or management practices, to become more environmentally sustainable while maintaining a viable enterprise. Environmental Enhancement Loans finance the cost of projects for which a federal, provincial, or federal/provincial program provides an environmental grant, or where the producer takes such action on their own accord.
Offered by Manitoba Agricultural Services Corporation
Amount
Up to 100 per cent project financing upfront to cover the producer share of costs; loans up to $150,000, terms up to 15 years, at MASC's prevailing rate
Quick eligibility check
Who can apply
Applicants must be Manitoba residents who are at least 18 years of age and Canadian citizens (or have lawful permanent residence status).
About the funding
The program offers up to 100 per cent project financing upfront to cover the producer share of costs, and advances any money to be issued by the federal and/or provincial programs through cost sharing agreements.
- Loans are available up to $150,000.
- Terms are available for up to 15 years.
- Interest rate is set at MASC’s prevailing rate.
Show all funding details
- There are no pre-payment penalties.
Effective: October 2, 2026
Fixed Rates
Term (Years): 1; Interest Rate: 5.100%; Monthly (Amortized payment per $1,000): (1-year term for Stocker Loans); Quarterly (Amortized payment per $1,000): (1-year term for Stocker Loans); Semi (Amortized payment per $1,000): (1-year term for Stocker Loans)
Term (Years): 2; Interest Rate: 5.450%; Monthly (Amortized payment per $1,000): $44.05; Quarterly (Amortized payment per $1,000): $132.73; Semi (Amortized payment per $1,000): $267.26
Term (Years): 5; Interest Rate: 5.700%; Monthly (Amortized payment per $1,000): $19.16; Quarterly (Amortized payment per $1,000): $57.76; Semi (Amortized payment per $1,000): $116.33
Term (Years): 7; Interest Rate: 5.850%; Monthly (Amortized payment per $1,000): $14.50; Quarterly (Amortized payment per $1,000): $43.72; Semi (Amortized payment per $1,000): $88.07
Term (Years): 10; Interest Rate: 6.050%; Monthly (Amortized payment per $1,000): $11.09; Quarterly (Amortized payment per $1,000): $33.43; Semi (Amortized payment per $1,000): $67.37
Term (Years): 15; Interest Rate: 6.450%; Monthly (Amortized payment per $1,000): $8.64; Quarterly (Amortized payment per $1,000): $26.05; Semi (Amortized payment per $1,000): $52.51
Term (Years): 20; Interest Rate: 6.750%; Monthly (Amortized payment per $1,000): $7.55; Quarterly (Amortized payment per $1,000): $22.77; Semi (Amortized payment per $1,000): $45.92
Term (Years): 25; Interest Rate: 6.900%; Monthly (Amortized payment per $1,000): $6.94; Quarterly (Amortized payment per $1,000): $20.95; Semi (Amortized payment per $1,000): $42.25
Renewable Rates
1 Year: 5.100%; 2 Years: 5.400%; 3 Years: 5.550%; 4 Years: 5.700%; 5 Years: 5.850%
Environmental Enhancement Loans finance the cost of projects for which a federal, provincial, or federal/provincial program provides an environmental grant, or where the producer takes such action on their own accord.
Loans are primarily intended for, but not limited to, Beneficial Management Practice (BMP) projects with significant costs associated with the construction, improvement, or relocation of farm operation infrastructure, e.g. manure storage, handling and composting, farm yard run-off control, and relocation of livestock facilities.
Similar programs
| Program | Type | Amount | Status |
|---|---|---|---|
| Manitoba Agricultural Services Corporation Direct Loans | Loan | Up to $6.25 million | Open |
| BDC Commercial real estate loan | Loan | Typically starts at $100,000 and can go up to several million dollars | Open |
| FCC Land & Buildings | Loan | No fixed amount | Open |
| Apartment Construction Loan Program: Seniors Rental Housing | Loan | Up to 100% loan to cost for residential space and up to 75% loan to cost for non-residential space, with up to a 50-year amortization period | Open |
