Investment Methods in Canada
Investing in Canada can provide a good return for applicants, in addition to preserving capital, especially if done with the assistance of experienced consultants. It is one of the best methods for immigration to Canada. There are numerous investment pathways in Canada, and the best routes include the following:
- Entrepreneurship
- Start-ups
- Purchasing Property
- Company Registration
- Self-Employment
- Provincial and State Entrepreneurship
Canada has tripled its visa capacity for entrepreneurs over the next three years, creating great opportunities for investors. Investment amounts vary by province—Nova Scotia, New Brunswick, and Prince Edward Island require the least capital, while Quebec demands up to $1.2 million for residency.
For free consultation or questions about investing and immigration to Canada, contact Malekpour Institute.
Why Invest in Canada?
- Access to the Global Market
- Good Job Opportunities
- Getting Visa for Family
- Residence in Various Provinces
- Government and Banking Support
- Diverse Immigration Pathways
Conditions for Investment in Canada
Investing in Canada is one way to acquire residency in the country and can lead you to a Canadian passport. Investment in Canada provides opportunities to create a business and generate income according to one’s capital and investment pathways in various cities and provinces of Canada.
To invest in Canada, applicants need to meet the following conditions:
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Financial Capability
For investing in Canada, you must have sufficient financial means to cover your and your family’s expenses, as well as enough capital to start your investment business, which can vary from CAD 150,000 to CAD 800,000.
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Assets
For some investment programs, proof of net worth is required. The net worth should be around CAD 1.6 million, and this amount may vary for some programs.
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Work Experience
Having 3 to 5 years of managerial work experience in a relevant field can be beneficial.
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Language Proficiency
Due to Canada’s bilingual nature, familiarity with either English or French is mandatory for investment. Depending on the chosen investment method, a specific language proficiency level is required.
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No Criminal Record
Having a clean criminal history is significantly important.
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Other Investment Requirements
Each investment program in Canada has specific requirements that must be adhered to rigorously.
Canadian Investment Visa
Canada offers multiple immigration pathways for investors and entrepreneurs. The time to obtain a Canadian investment visa varies by program and personal circumstances, ranging from several months to a few years.
Permanent residency through investment typically takes around 2 years, while business registration or acquisition can allow a 6-month stay in Canada during the process.
Required Documents for Investment in Canada
The specific documents required for investment in Canada may differ depending on the type of investment and the immigration program for which you are applying. However, here are some common documents that may be needed for investment in Canada:
- Proof of Net Worth
- Business Experience
- Investment Funds
- Business Plan
- Passport and Identity Documents
- Medical Examination
- Certificate of No Criminal Record
- Application Forms
Types of Investment in Canada
- Startup and Innovation
- Real Estate Purchase
- Provincial Investment
- Company Registration
- Franchise Purchase
- Self-Employment
- Bond Purchase
- Starting a Business
Residence in Canada Through Investment
Individuals who invest in Canada pursue various goals, among which obtaining residence through investment is a prominent objective. There are different pathways available for investment in Canada, each with distinct conditions. Below we will explain all the investment methods in Canada.
Investment in Canada Through Startups and Innovation
To apply through the Canada Startup Visa, you need to have a creative and innovative idea and be able to provide a business plan based on that idea to receive approval from organizations recognized by immigration authorities.
The Canada Startup Visa offers permanent residency for entrepreneurs and their families if their business plan is approved and backed by a designated organization. Requirements include IELTS 5 and proof of financial resources. The visa is now valid for 3 years, allowing work beyond the startup project, and all team members can apply.
Benefits include immediate PR, choice of province, government project support, and citizenship after 3 years. Families enjoy free schooling for children under 22 and low-cost university education in Canada. With Canada’s Immigration Minister set to triple intake by 2025, the Startup Visa is one of the most attractive pathways.
| Requirement | Description |
|---|---|
| Language Proficiency | English or French with a minimum CLB 5 level |
| Financial Proof | Cover business startup costs + 6 months living expenses |
Investment in Canada Through Real Estate Purchase
Buying property in Canada has appeals due to its beautiful scenery, American lifestyle, and political stability. Canada’s international property market is still young but growing steadily. However, buying property does not grant residency or citizenship. To immigrate, focus on entrepreneurship and creating jobs.
Non-resident sellers must pay 25% tax on profits, and foreign buyers need 65% financing with a 35% down payment. Property transactions usually take 60 to 90 days.
Provincial Investment in Canada
One of the most important conditions for residence in Canada through provincial investment is obtaining the necessary points. These points vary among the different provinces of Canada and depend on work history, the amount of capital, age, and the investment amount in different Canadian provinces. The table below outlines the point system for investment under immigration through Canada’s provincial programs.
| Province in Canada | City Range | Required Investment | Work Experience | Education | Age | Language Requirement |
|---|---|---|---|---|---|---|
| Investment in Ontario | Inside Toronto city | $800,000 (net worth) $600,000 (investment) | 2 years of managerial experience in the last 5 years | Points-based, not mandatory | No age limit | CLB 4 |
| Outside Toronto city | $400,000 (net worth) $200,000 (investment) | 2 years of managerial experience in the last 5 years | Points-based, not mandatory | No age limit | CLB 4 | |
| Investment in British Columbia | No city limit | $600,000 (net worth) $200,000 (investment) | 3 years business ownership or 4 years managerial experience in the last 10 years | Minimum diploma (High school if 100% ownership proven) | Points up to 64 years | CLB 4 |
| Very small cities (BC) | Small population cities | $300,000 (net worth) $100,000 (investment) | 3 years business ownership or 4 years managerial experience in the last 5 years | — | — | — |
| Investment in New Brunswick | Northern cities | $500,000 (net worth) $150,000 (investment) | 3 years business ownership or managerial experience in the last 5 years | Minimum associate degree | Highest points 35-50 yrs | CLB 5 |
| Prince Edward Island (PEI) | No city limit | $600,000 (assets) $150,000 (investment) ($75,000 in first year accepted) | At least 3 years managerial experience in last 5 years or 5 years in last 7 years, owning at least 20% of business | Minimum high school diploma (no points), university degree scores significantly | Age 21-59, highest points 25-44 | CLB (level missing in original) |
Investment in Canada Through Company Registration
One method of investment in Canada is registering a company in the country. Companies registered in Canada either operate on a federal level or fall under provincial activities. For company registration in Canada, documentation such as a successful business plan is required.
Registering a company in Canada requires initial capital and standard procedures, but there is no minimum investment amount. Costs usually cover operational expenses like brand and name registration. However, company registration alone does not grant residency to foreign nationals. To obtain residency, active entrepreneurship—starting and running a business that contributes to Canada’s economy—is essential. Simply registering a company won’t qualify for immigration.
| Requirement | Description |
|---|---|
| Business Plan Submission | Proof of business feasibility |
| Language Proficiency Proof | English or French |
| Educational Certificate | Provide academic credentials |
| Management Experience | Provide proof of managerial experience |
Intra Company Transfer (ICT)
Intra-Company Transfer (ICT) offers a fast and low-investment pathway to temporary residency in Canada without language requirements. ICT offers up to 7 years of temporary residency for owners/executives and 5 years for skilled employees. Although it doesn’t directly grant PR, applicants can later apply through Express Entry or provincial programs. Spouses can work full-time, visa status changes are simple, and the required investment is low (CAD 50,000–100,000).
Another option is starting a new business in Canada, which doesn’t need a foreign company connection. The business must have a positive economic, social, or cultural impact, and applicants should show managerial experience to qualify.
Investing in Canada by Buying Government Bonds
One investment-based immigration option in Canada is purchasing stocks or bonds via the TSX, CSE, ETFs, or ADRs. However, since November 2017, Canada has restricted bond purchases for many foreign nationals. As a result, this method no longer leads to residency for most applicants. It’s recommended to consider more effective investment pathways such as business ownership or startup immigration.
Buying a Franchise in Canada
Buying a franchise in Canada is a popular and low-risk way to start a business. Instead of building a company from scratch, investors can benefit from an established brand, proven systems, and franchisor support. Initial investment typically ranges from CAD 15,000 to 100,000, plus 5–8% of gross sales paid to the franchisor. This method offers a faster, more secure path to business success in Canada.
Finally, if you are looking to immigrate to Canada through the purchase of a franchise, you should use immigration programs such as entrepreneurship or provincial programs to choose the most successful path to obtaining residency.
Starting a Business in Canada
Starting or purchasing a business in Canada is a viable pathway to Canadian investment residency. Applicants with a solid management background can either establish a new business or buy an existing one, including ready-made (offshore) companies.
This route enables investors to first obtain a work visa and later apply for permanent residency through provincial entrepreneurship or company registration programs. Typically, applicants need financial backing of CAD 300,000–800,000 and invest about CAD 50,000–200,000 to launch their business in Canada.
| Evaluated Criteria | Buying a Business | Starting a Business | Buying a Franchise |
|---|---|---|---|
| Cost | High (approx. CAD 150,000) | Reasonable (approx. CAD 50,000) | Moderate (approx. CAD 100,000) |
| Risk Level | Moderate profit potential, low risk | Moderate profit potential, high risk | High profit potential, low risk |
| Business Operation Requirement for PR | Not clearly defined | At least 1 year of operation before PR | Not clearly defined |
| Difficulty Level | Moderate | Difficult | Low |
| PR Requirements | Hire at least 1 Canadian employee + own at least 51% + be active | 1 year of operation + hire 1 Canadian employee + be active + have a business office | Hire 1 Canadian employee + be active |
Investment in Canada Through Purchasing Active Businesses
Most investors aiming to immigrate to Canada prefer buying existing active businesses over starting new ones. This approach saves time, eases funding, boosts credibility, and provides immediate income. Essential requirements include language proficiency and sufficient financial capacity, as purchasing an active business in Canada typically involves high costs.
Buying a business in Canada through entrepreneurial programs can lead to temporary residency for the applicant, and from this method, one can achieve permanent residency and a Canadian passport.
Self-Employment Investment in Canada
Self-employment is another way of immigrating through investment to Canada. This method is possible through participation in self-employment programs, where points are awarded to the applicant based on their qualifications such as age, educational background, language skills, and relevant work experience. Examples of self-employment immigration methods in Canada include the federal self-employment immigration program and the Quebec self-employment program.
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CAD 50,000 Investment in Canada
The CAD 50,000 investment program is a provincial entrepreneurship initiative that offers a path to Canadian residency through innovation and business creation. By investing this amount in Alberta, applicants can access Canada’s dynamic startup ecosystem.
To qualify, you must present a unique, innovative business idea—one not previously implemented—that positively impacts Canada’s economy and labor market. Alberta’s diverse economy and supportive environment make it a strong choice for small business ventures and startups.
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CAD 75,000 Investment in Canada
In Canada, investment immigration options include angel investment (minimum CAD 75,000) and venture capital (minimum CAD 200,000). Angel investors usually fund early-stage startups and expect equity in return. Applicants must present a solid business plan, proof of funds, and cover additional startup costs.
Angel investor groups pool resources to support innovative startups, offering capital, mentorship, and valuable networks in exchange for equity or convertible debt. This pathway is ideal for entrepreneurs with strong business ideas seeking both funding and strategic support.
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CAD 100,000 Investment in Canada
The CAD 100,000 Investment Program in British Columbia offers a great pathway for entrepreneurs to immigrate to Canada by starting or improving a small business. As part of the BC Provincial Nominee Program (BCPNP), it’s ideal for experienced business owners or managers with financial capability.
To succeed, you must thoroughly evaluate the startup’s business model, market potential, competition, and legal or financial risks. Choose a strong, innovative startup with a solid strategy and management team.
Minimum Investment Amount in Canada
Immigrating to Canada through investment is a top option for many applicants. However, investment requirements vary by province. The minimum investment starts at CAD 150,000, and applicants typically need to prove assets of CAD 500,000 to CAD 600,000.
To qualify, you must first demonstrate you have the required funds, then invest part of that amount in a designated Canadian province based on its specific program conditions.
| Province | Proof of Funds (CAD) | Minimum Investment (CAD) |
|---|---|---|
| Quebec | 2,000,000 | 1,200,000 |
| Alberta | 500,000 | 300,000 |
| Saskatchewan | 550,000 | 300,000 (200,000 in small towns) |
| British Columbia | 600,000 (300,000 in small towns) | 200,000 (100,000 in small towns) |
| Ontario | 400,000 (800,000 in Toronto) | 200,000 (600,000 in Toronto) |
| Manitoba | 500,000 | 250,000 (150,000 in small towns) |
| Nova Scotia | 600,000 | 150,000 |
| New Brunswick | 500,000 | 150,000 |
| Newfoundland and Labrador | 500,000 | 200,000 |
| Prince Edward Island | 600,000 | 150,000 |
Investment Costs in Canada
The cost of the Canadian investment visa includes government and business costs, investment costs, immigration lawyer fees, and living expenses in Canada.
Below are the minimum capital requirements for immigrating to Canada through investment via different pathways alongside other conditions for immigration to Canada through investment for each pathway.
| Program Type | Minimum Investment (CAD) | Requirements |
|---|---|---|
| Startup | 100,000 | Minimum age of 55 years |
| Minimum of a Bachelor’s degree | ||
| Requires points-based system | ||
| Entrepreneurship | 100,000 | Minimum age of 55 years |
| Minimum of a Bachelor’s degree | ||
| No points-based system required | ||
| Quebec | 2,000,000 | Minimum age of 55 years |
| No educational requirement | ||
| No points-based system required |
In addition to costs of living in Canada through investment, you should also consider other expenses you may incur along this pathway. The cost of immigrating to Canada through investment includes the expenses for the Canadian investment visa application and processing, fingerprinting costs, as well as administrative fees and taxes.
Below are the costs associated with the Canadian investment visa.
| Application Type | Fee (CAD) |
|---|---|
| Visa application for the main applicant | 1,575 |
| Visa application for spouse | 825 |
| Visa application for each child | 225 |
| Fingerprinting fee | 85 |
Investment Opportunities in Canada
Canada provides an excellent environment for investment and business establishment. This country has devised various investment pathways such as entrepreneurship in Canada, innovation, and company registration to attract foreign investment.
Each Canadian investment pathway has unique conditions and must be carefully evaluated to find the best fit for the applicant. The choice depends on factors like owning an active business in your country, investment goals in Canada, the priority of obtaining permanent residency, quality of business ideas, family size, and more. There is no one-size-fits-all method—each applicant’s situation determines the most suitable investment route.
Regarding investment through entrepreneurship, innovation, and similar methods, we can enumerate the best areas of operation in Canada as follows:
- Information Technology and Communications (IT & ICT): Software development, artificial intelligence, IoT, and cybersecurity.
- Medical Technology: Development of medical technologies, pharmaceuticals, and medical equipment.
- Food Industry: Food and beverage production, food processing, and restaurants.
- E-commerce and Online Sales: Online stores, digital marketing, and online shops.
- Clean Energy: Production of solar, wind, hydroelectric, and other clean energy sources.
- Blockchain and Cryptocurrency Technology: Development of blockchain technology, cryptocurrencies, and digital coins.
- Green Space and Environmental Protection: Producing green products, recycling, and waste management.
- Video Game Development: Designing and developing video games and entertainment software.
- Health and Wellness: Healthcare services, medical technology, and healthcare services.
- E-commerce and Online Stores: Online stores, digital marketing, and online sales.
It should be noted that registering a company is one of the methods of investing in Canada that leads to permanent residency, while investing in real estate will not grant permanent residency in this country. The self-sufficiency method is not available in all countries, and Canada is one of the countries that does not offer this method.
Disadvantages of Investing in Canada
You may wonder what disadvantages investing in Canada can pose for individuals?
- Need to Prove Net Wealth
- Competitive Investment Market in Canada
Permanent Residency in Canada Through Investment
Not all investment methods in Canada lead to permanent residency. For example, buying homes or stocks doesn’t grant permanent residency, while startups, company registration, and certain provincial investment programs can.
Temporary Residency Visa (TRV) allows a limited stay for tourism, study, or work, often with a fixed duration. In contrast, Permanent Residency (PR) grants the right to live, work, and study indefinitely in Canada, with access to healthcare and social benefits. PR holders can apply for citizenship after meeting residency requirements. Provincial investment programs are a common route to obtaining PR.
Canadian Citizenship Through Investment
Once an individual gains permanent residency in Canada through investment, they can ultimately be eligible to apply for Canadian citizenship after meeting specific residency conditions, which generally include physical presence in Canada for a specified period. General conditions for obtaining Canadian citizenship and nationality through investment immigration to Canada encompass:
- Obtaining permanent residency: The first step is to obtain permanent residency.
- Duration of residence in Canada: The applicant must have resided in Canada for 3 years in the last 5 years.
- Regular tax payment: Regular and timely tax payment is very essential.
- Passing the citizenship test: Passing this test is one of the most important things for obtaining citizenship.
Comparison of Investment in Canada with Other Countries
Next, we will compare the Canadian visa through investment with countries such as the USA, Austria, and Europe.
| Criteria | Canada | USA | Austria |
|---|---|---|---|
| Investment Method | Investment in companies, innovation, startups (min CAD 200,000), real estate (CAD 1 million) | Startup investment (min USD 100,000), EB-5 investment | Startup and innovation, real estate investment (€3 million), investment funds |
| Minimum Investment Amount | CAD 200,000 to 1 million | USD 100,000 to 800,000 | €50,000 for startups, €200,000 for companies |
| Time Required for Residency | 1 to 5 years depending on program | 2 years with EB-5, immediate with general business program | 2 to 3 years |
| Possibility of Permanent Residency | Yes | Yes | Not guaranteed |
| Work Permit for Investors | Yes | Yes | Yes |
| Family Accompaniment | Spouse and dependent children | Spouse and children under 21 | Spouse and children under 18 |
| Type of Residency | Permanent residency available | Permanent residency available | — |
Important Economic Indicators for Investment in Canada
The economic indicators affecting immigration to Canada through investment. The points are vital and directly influence residency through investment in Canada as they indicate the economic prosperity or recession in a country. The table below shows statistics related to these economic indicators in Canada.
| Economic Indicator | Current Year | 10-Year Average |
|---|---|---|
| Unemployment Rate | 5.0% | 8.18% |
| Economic Growth Rate | 1.25% | 9% |
| Inflation Rate | 3.4% | 12.9% |
| Foreign Investment | 40 billion USD | 2.2% (of GDP) |
| Corporate Tax Rate | 27% | 28% |
| Income Tax Rate | 30% | 31% |
Source: https://www.oecd.org/en.html
Frequently Asked Questions About Investment in Canada
- What is the best investment pathway in Canada?
The best investments in Canada are in innovation, corporate work, and entrepreneurship programs.
- What is the minimum investment amount in Canada?
In provincial programs, the minimum required investment is CAD 300,000.
- Can you get residency by purchasing property in Canada?
No, immigration to Canada through property investment does not exist directly.
- Can one obtain Canadian residency through investment in franchises?
No, investment residency in Canada through franchises does not exist directly; you must first obtain residency through other means.
- How can I get a Canadian investment visa?
If you invest in one of the pathways such as provincial investments, innovation, entrepreneurship, company registration, self-employment, buying a business and purchasing bonds, you can obtain this visa.
- Is there an age limitation for obtaining a Canadian investment visa?
Applicants for the investment visa must be over 18 years old.
- Is having a degree necessary for obtaining an investment visa?
No, most investment pathways in Canada do not require the submission of educational credentials.
Conclusion:
This article explores investing in Canada and obtaining residency through investment. We cover key economic factors like GDP, inflation, unemployment, and corporate taxes to help guide prospective investors. While foreign nationals can buy property in some provinces, property ownership does not grant residency. Residency is possible through business registration and running an active business in Canada.
For personalized advice, contact our expert migration consultants for free consultations. You can also ask your questions about investing in Canada and immigration in the comments below for quick answers.
