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How to start a restaurant or catering business in Ontario

Table of contents.

Introduction Getting started Regulations Taxation Financing Other resources

Introduction

There are many different kinds of restaurants and catering services. Whether you are interested in starting a café, bar, family-style restaurant or event catering business, you will be part of the food services industry.

Popular types of restaurants and catering businesses include:

• Gourmet and casual dining
• Fast-food and food trucks
• Pubs, bistros and brasseries
• Coffee shops and cafeterias

This guide focuses on operating an independent restaurant or catering business. For information on buying a franchise, visit the  Canadian Franchise Association  website or call them at  1-800-665-4232 .

Getting started

When you start a business there are several things to consider before you can sell your product or service. Most businesses in Ontario need to complete a minimum of three basic steps:

• Find out what licences and regulations apply to your type of business
• Choose a business structure and register or incorporate your business
• Determine if you will need to collect and remit HST

Our Starting a business guide will give you more information on these steps and other basic requirements for starting a business in Ontario.

Read online: Starting a business

Regulations

Your business may need licences and permits from the federal, provincial and municipal levels of government.

In addition to the information you will find in this guide, you can use BizPaL to find licences and regulations that may affect your business.

Use online: Permits and licences search

Restaurants and catering services are highly regulated in Ontario. Some common regulations that may apply to your business include:

Food safety and labelling

Your local health unit is the main contact for information on food safety and inspections.

Contact your local health authority to arrange an inspection of your business location, equipment and processes and make sure your business is complying with provincial and federal legislation.

The following link provides contact information for local health authorities that inspect food businesses in Ontario.

Read online: Local public health contacts  

You also need to follow safety standards and labelling rules if you produce, service, process or manufacture food.

Canadian Food Inspection Agency (CFIA)

Most businesses that buy, sell, ship, process or manufacture food will have CFIA regulations to follow.

These regulations may require you to:

• Obtain a licence
• Keep records
• Properly label packaged foods

Activities that are regulated include:

• Importing foods for re-sale
• Selling food to the public, retail food sales
• Shipping food products to another province or territory
• Producing, manufacturing or advertising food products

Check with the CFIA to find out which requirements apply to your business.

Contact CFIA: 1-800-442-2342 Food licences Food safety for industry Toolkit for businesses Labelling, standards of identity and grades

Ontario Ministry of Agriculture, Food and Agribusiness (OMAFA)

You may have regulations or inspection standards to follow if you produce, transport or manufacture specific food products in Ontario. Regulated products include dairy, eggs, fish, meat, honey and other plant-based products. Contact the Ministry directly to find out what will apply to your business.

Contact OMAFA: 1-877-424-1300 Food Inspection Programs

Ontario Ministry of Health

Home-based food businesses are allowed to sell low-risk, home-prepared foods and are exempt from certain regulatory requirements, such as specified handwashing stations in food premises, compliance with commercial dishwashing requirements and food handling training certification.

Low-risk food items are generally considered non-hazardous and do not require time and temperature control. Some examples of low-risk foods include:

• Most breads and buns (without meat, cream filling, etc.)
• Most baked goods (with no custard)
• Chocolate, hard candies and brittles
• Fudge and toffees
• Pickles, jams and preserves
• Granola, trail mix, nuts and seeds
• Cakes (icing that doesn’t require refrigeration), brownies, muffins and cookies
• Coffee beans and tea leaves

For more information contact your local public health unit: Ontario Ministry of Health - Food handler training and certification Local public health contacts

Food licensing municipal

Municipal regulations.

Many municipalities have licences specific to food handling or food preparation. If your municipality is not listed in BizPaL, or you are not sure what municipality your business falls under, you can contact the Association of Municipalities of Ontario (AMO) for information on what municipal regulations, licences or permits will be needed to operate your business.

1-877-426-6527 Association of Municipalities of Ontario

Single-use plastics

There are rules and restrictions for using, selling, importing and exporting single-use plastics that may apply to your business. The regulations include common items such as plastic bags, cutlery, straws and various containers.

Refer to Environment and Climate Change Canada’s website for the regulations and guidance on alternative products for your business: Single-use Plastics Prohibition Regulations

Tips and gratuities

As an employer in Ontario, there are rules set out in the  Employment Standards Act, 2000   (ESA) that you need to follow when handling tips and other gratuities in your workplace. Generally, you cannot withhold, make deductions from or make your employees hand over their tips or other gratuities. Find more information about your responsibilities and best practices for handling tips on the website of the Ontario Ministry of Labour, Immigration, Training and Skills Development or contact the ministry directly.

Contact Ministry of Labour, Immigration, Training and Skills Development 1-800-531-5551 Tips and other gratuities

Smoke-Free Ontario (Not Selling)

Smoke-free ontario.

The Ontario government prohibits smoking in all enclosed workplaces and enclosed public places. Find out what your responsibilities are, what is required for inspections and how to get “No Smoking” signs.

Contact your local Public Health Unit: Public Health Unit Locator

Selling, serving and delivering alcohol

If you plan on selling, serving or delivering alcoholic beverages, you will need one or all of the following:

Liquor sales licence

You will need a liquor licence for your business if you sell or serve alcoholic beverages in an area where light meals are available.

Contact the Alcohol and Gaming Commission of Ontario (AGCO) 1-800-522-2876 Liquor sales licence

Bring your own wine (BYOW)

The BYOW endorsement allows customers of your licensed establishment to bring unopened wine from home. If you are interested in getting a BYOW endorsement for your business, contact the AGCO.

Contact AGCO: 1-800-522-2876 Apply for a bring-your-own-wine endorsement

Catering endorsement

Your business can get a catering endorsement from the AGCO if you wish to sell and serve liquor at catered events in an unlicensed area.

Contact AGCO: 1-800-522-2876 Apply for a caterer's endorsement

Liquor delivery services

If you are involved with the delivery of alcohol to individual consumers in Ontario, you will need to have a provincial liquor delivery service licence and meet requirements for training on handling alcohol and for record keeping.

Contact AGCO: 1-800-522-2876 Liquor delivery service

Special occasion permit

You will need a permit to serve alcohol at special events, such as weddings or charity fundraisers. Special occasion permits cannot be issued for a private residence.

Contact the Alcohol and Gaming Commission of Ontario (AGCO): 1-800-522-2876 Special occasion permits

Maintaining high health standards

Your restaurant or catering business will be inspected and appraised, so you should strive to maintain high health standards. There are several standards that you may need to be aware of including:

• Food temperature control
• Protection of food from contamination
• Employee hygiene and hand washing
• Maintenance and sanitation of surfaces and equipment that come into contact with food
• Maintenance and sanitation of surfaces and equipment that do not come into contact with food
• Maintenance and sanitation of washrooms
• Storage and removal of waste
• Pest control.

For further information, call your local  Public Health Unit .

Music licence

When your business uses recorded music, you are responsible for getting the right licence(s) for that use. Contact the following organization for more information:

Organizations that use music are legally required to get the applicable RE:SOUND and SOCAN licences. Businesses can get both licences through Entandem to ensure that they are using music ethically and legally.

Contact Entandem: 1-866-944-6223 [email protected] Entandem

Legal questions

You can contact Pro Bono Ontario’s free legal advice hotline to enquire about getting help with your everyday civil legal needs (no family law, immigration or criminal law). The service is generally aimed at those who cannot afford a lawyer.

Note that  service is not guaranteed  and you will be asked questions as part of the qualifying process, such as the amount of personal income earned by your household, your name, postal code and age range.

Contact Pro Bono Ontario’s Free Legal Advice Hotline: 1-855-255-7256

Read online: Pro Bono Ontario - Free Legal Advice Hotline

You can also contact the Law Society of Ontario's Law Society Referral Service if you have legal questions of a business nature. The service may be able to assist you in finding a lawyer or paralegal, based on your needs.

Use online: Law Society Referral Service

Depending on your location and the type of products or services being offered, federal, provincial and/or municipal business taxes may apply.

Read online: Taxation guide

If you sell goods and services in Ontario, you may need a business number to collect and remit the Harmonized Sales Tax (HST). Most businesses that make less than $30,000 in any 12-month period are not required to charge HST; however, you can register voluntarily and claim input tax credits. Speak with the Canada Revenue Agency (CRA) for more information.

Contact CRA: 1-800-959-5525 Canada Revenue Agency

Additional tax requirements that may apply to restaurants and caterers in Ontario include:

Prepared food and beverages

The following will help you understand how to charge the Harmonized Sales Tax (HST) on prepared food and beverages.

Contact CRA: 1-800-959-5525 Harmonized Sales Tax for Ontario - Point-of-Sale Rebate on Prepared Food and Beverages

Coupons and gift certificates

If you offer coupons and gift certificates, find out how to apply the HST when you sell them and when you redeem them.

Contact CRA: 1-800-959-5525   How to treat  coupons  and  gift certificates

Alcoholic beverages – Beer and Wine Tax

In addition to charging HST, you need to know how much tax was collected on beer and wine products you sell to customers. Ontario manufacturers charge a special beer and wine tax to suppliers which is included in the price you pay for your inventory. If requested, you need to be able to tell your customers how much beer and wine tax was paid.

Contact the Ministry of Finance: 1-866-668-8297 Beer and Wine Tax

Grants, contributions, subsidies and loan guarantees are available from various government sources. Use Innovation Canada’s online search tool to look for programs and services that may apply to your business.

Search online: Business Benefits Finder

Other resources:

Industry-specific information

• Accommodation and Food Services (NAICS 72): Ontario

1-888-576-4444

Contact us by email

Top business essentials

• Business plan guide
• Business regulations guide
• Employment regulations: Hiring
• Financing a business guide
• Marketing plan outline
• Taxation guide

Mind Your Own Business

Thinking of Opening a Restaurant in Toronto? 7 Things To Do First

The article provides a step-by-step guide for those considering opening a restaurant in Toronto, covering aspects such as setting goals, establishing funding, deciding between starting from scratch or buying an established business, writing a business plan, obtaining necessary licenses and permits, choosing a good location, and testing out different menus. It highlights the importance of careful planning and strategic decision-making in the restaurant business.

Have you dreamed of opening your own restaurant in Toronto? If so, this article is for you.

Restaurant ownership offers many perks, including creating your own menu and expanding your culinary skills.

Before you sign a lease and get to work on creating a menu, though, you’ll want to complete a few key tasks. Here are a few crucial steps to take before opening a restaurant.

Also, you will be able to know:

Consider Your Goals/Wants

Brainstorming is one of the first steps toward opening any business . Consider the type of restaurant you want to own.

Do you want something formal and upscale? Would you prefer a small, quaint cafe that serves brunch and coffee? Have you always dreamed of a late-night restaurant that caters to shift workers?

The options are endless, but narrowing them down can help you decide the best business model for you.

Establish Funding

You’ll also need to decide how to fund your new Toronto restaurant . There are many methods of funding a new business, including crowdsourcing, borrowing from friends and family, taking out a small business loan, or using your savings.

Researching funding options ahead of time can ensure you have the money you need once you find the perfect restaurant business for you.

Choose Between an Established Business or From Scratch

You have two options when it comes to opening a restaurant business. You could start from scratch, which means creating a concept out of nothing.

You’ll be responsible for creating a menu, naming the restaurant, gaining brand awareness, and furnishing the space.

You could also buy an already-established restaurant. When you buy a functioning restaurant, you usually acquire the business name, menu, cooking supplies, location, and staff.

Of course, once the restaurant is yours, you can control any changes you want to make.

One of the biggest differences between starting from scratch and buying an established business is how long it takes to begin earning revenue.

You can expect a longer timeline until you earn a profit with a brand new business than with an already existing one.

Write a Business Plan

Next, you’ll want to create a business plan. In fact, you may need a business plan to obtain financing for your purchase.

This is also a good way to understand your proposed restaurant’s finances better. It can be more difficult to predict the expenses of a new business accurately.

If you plan on purchasing an established restaurant, the seller will typically provide you with information like rent price and current monthly income. Using this information, you can project sales by quarter and year.

A good business plan should include business goals, a competitive analysis, marketing plans , and financial statements.

Most lenders will also want to know your experience and why you’re capable of opening a profitable restaurant.

Seek Licensing and Permits

Most cities require licensing and different permits to open a new business. Some of these may transfer with the purchase of a business, but this isn’t always the case.

Ensure you acquire all required licenses and permits to ensure your business is legitimate.

For example, Toronto requires all new business owners to notify the City of Toronto and the Medical Office of Health before starting the business.

This applies to all restaurant-based businesses, including fixed, mobile, or home-based restaurants.

If you plan to serve beer or alcohol, you’ll also need a liquor license from the Alcohol and Gaming Commission of Ontario (AGCO).

Keep in mind it can take some time to obtain all licenses, so it’s best to start early.

Choose a Good Location

You’ll also want to choose the right location for your restaurant. Of course, if you purchase an already established restaurant, you should carefully consider how profitable you can make the business in the current location.

Ideally, restaurants do best in busy cities with easy ingress and egress, plus a good amount of parking.

The type of food you serve may also make a difference when it comes to choosing the perfect location. For example, coffee shops require convenient entry and parking.

Test Out Different Menus

Ultimately, your menu will make or break your restaurant. Customers will continue to frequent your business if they find your menu delicious and of good value.

Even if you buy an already established business, making a few updates to the existing menu may be worthwhile.

This allows you to give the restaurant your creative twist while encouraging people to visit or revisit to test out the new menu.

Don’t miss: Self-Certified Small Disadvantaged Business

The bottom line

Restaurants can be a profitable business idea. Before starting your own restaurant business, however, it’s important to conduct a few necessary tasks.

These tasks can help you clearly define your business goals and create a blueprint for success.

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How to Start a Restaurant in Toronto

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Introduction

Researching the toronto restaurant market, planning your restaurant concept, obtaining the necessary permits and licenses, finding the perfect location.

Designing Your Restaurant Space

Hiring and training your staff, creating a menu and sourcing ingredients.

Setting up the Kitchen and Bar

Ensuring food safety and hygiene, marketing and promoting your restaurant, managing your finances, providing exceptional customer service.

Monitoring and Analyzing Performance Metrics

Dealing with challenges and risks, so, let’s get started.

From Culinary Dream to Reality: How to Start a Restaurant in Ontario

Welcome to our comprehensive guide on how to start a restaurant in Ontario ! If you’ve ever dreamt of turning your culinary passion into a thriving business, you’ve come to the right place. Whether you’re an aspiring chef or simply someone with a love for food and hospitality, this article is packed with valuable insights and practical advice to set you on the path to culinary success in the vibrant province of Ontario.

Fasten your apron, sharpen your knives, and get ready to embark on an exciting culinary adventure as we unlock the secrets of starting a restaurant in Ontario. Let’s dive in and discover the recipe for your restaurant’s success!

Key Takeaways

• Research the restaurant industry in Ontario and identify your target audience before starting your restaurant.
• Create a comprehensive business plan that includes a detailed description of your concept, target market, menu, pricing, marketing strategy, financial projections, and legal requirements.
• Consult with a lawyer and an accountant to ensure that you comply with all the legal and financial requirements of starting a restaurant in Ontario.

1. Understand the Restaurant Industry in Ontario

If you’re considering starting a restaurant in Ontario, it’s important to understand the industry and market that you’ll be operating in. Here are some key points to keep in mind:

Types of Restaurants and Catering Services

Ontario has a diverse range of restaurants and catering services, including cafes, bars, family-style restaurants, event catering businesses, and more. Popular types of restaurants and catering businesses include:

• Gourmet and casual dining
• Fast-food and food trucks

Market Research

Before starting your restaurant, it’s important to conduct market research to help you understand the industry and market that you’ll be operating in. This includes researching your target audience, competitors, and the latest trends in the industry . By conducting thorough market research, you’ll be able to make informed decisions about your business and develop a solid business plan.

Regulations and Requirements

Each municipality in Ontario has specific requirements for opening a food business, and these requirements may change over time. It’s important to confirm the most up-to-date requirements in your area by contacting your local municipality. For example, all businesses serving food are required to comply with the  Ontario Food Premises Regulation as well as  Toronto’s Licensing By-Law No. 545  . Premises must receive a “PASS” status by Toronto Public Health ( DineSafe ) in order to operate.  Food Handlers Certification  is required through  Toronto Public Health  for anyone who serves and handles food.

Costs and Financing

Starting a restaurant in Ontario can be costly, with expenses such as rent, equipment, supplies, staffing, and marketing. It’s important to develop a detailed budget and secure financing before opening your restaurant. You may consider applying for government grants or loans , seeking investors, or obtaining a small business loan.

2. Create a Business Plan

Starting a restaurant in Ontario requires careful planning and preparation. One of the most important steps in this process is creating a comprehensive business plan. A business plan will help you to define your restaurant concept, identify your target market, and outline your financial projections.

Market Analysis

Before you open your restaurant, you need to conduct market research to understand the industry and market that you will be operating in. This will help you to identify your target market and determine the demand for your restaurant concept. You can use a variety of sources to conduct your market research, including online databases, industry publications, and trade associations.

Financial Projections

Creating accurate financial projections is essential to the success of your restaurant. Your financial projections should include a detailed breakdown of your startup costs, as well as your projected revenue and expenses for the first few years of operation. You should also consider factors such as staffing, inventory, and marketing expenses when creating your financial projections.

Marketing Strategy

Developing a marketing strategy is essential to attracting and retaining customers. Your marketing strategy should include a detailed plan for promoting your restaurant, including social media marketing, email marketing, and advertising. You should also consider offering promotions and discounts to attract new customers and encourage repeat business.

3. Legal Requirements

Starting a restaurant in Ontario involves several legal requirements to ensure that your business operates within the law. In this section, we will cover the main legal requirements you need to know before starting your restaurant.

Business Registration

Before opening a restaurant, you need to register your business with the government. The registration process will vary depending on the type of business structure you choose, such as a sole proprietorship , partnership, or corporation. You can register your business online through the Ontario Business Registry or ServiceOntario.

Health and Safety Regulations

As a restaurant owner, you must adhere to strict health and safety regulations to ensure the safety of your customers and employees. All food premises are subject to the requirements of the  Health Protection and Promotion Act and Ontario Food Premises Regulation including allowing entry to Public Health Inspectors to conduct inspections. You must also obtain a food handler’s certificate and have your restaurant inspected by a public health inspector before opening.

Liquor Licensing

If you plan to serve alcohol in your restaurant, you must obtain a liquor license from the Alcohol and Gaming Commission of Ontario (AGCO). The AGCO regulates the sale, service, and consumption of alcoholic beverages in Ontario, and you must comply with their regulations to obtain a liquor license.

4. Choosing a Location

When starting a restaurant in Ontario, choosing the right location is crucial to the success of your business. Here are some factors to consider when selecting a location for your restaurant.

Demographic Analysis

It is important to analyze the demographics of the area where you plan to open your restaurant. Consider factors such as age, income, and ethnicity of the population. This information will help you determine the type of cuisine and atmosphere that will be most appealing to your potential customers.

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Accessibility

Your restaurant should be easily accessible to your target audience. Consider factors such as foot traffic, public transportation, and parking availability. A location with high foot traffic and easy access to public transportation will be beneficial for attracting customers.

Competition

It is important to research the competition in the area where you plan to open your restaurant. Consider the number of restaurants in the area, the type of cuisine they offer, and their pricing. This information will help you determine if there is a demand for your type of cuisine and how you can differentiate your restaurant from the competition.

5. Designing Your Restaurant

When designing your restaurant , you want to create a space that is both visually appealing and functional for your staff and customers. There are two main areas to focus on interior design and kitchen layout.

Interior Design

The interior design of your restaurant sets the tone for your customers’ dining experience. You want to create a space that is welcoming and comfortable, while also reflecting your restaurant’s concept and brand. Here are some tips for designing your restaurant’s interior:

• Choose a color scheme that complements your restaurant’s concept and brand.
• Use lighting to create ambiance and highlight key features of your restaurant.
• Select furniture that is both comfortable and durable.
• Consider adding artwork or other decorative elements that add to the overall aesthetic of your restaurant.

Kitchen Layout

The layout of your restaurant’s kitchen is crucial to the efficiency of your staff and the quality of your food. When designing your kitchen layout, consider the following:

• Create a flow that allows for easy movement and communication between staff members.
• Choose equipment that is appropriate for the size and type of your restaurant.
• Ensure that there is enough space for prep areas, cooking stations, and storage.
• Consider the placement of sinks and other sanitation stations for easy access and cleaning.

6. Hiring Staff

When starting a restaurant in Ontario, it’s important to hire the right staff to ensure the success of your business. Here are some tips on how to recruit and train your staff.

Recruitment

When recruiting staff, it’s important to consider their experience, skills, and personality. You want to hire people who are passionate about the food industry and who will provide excellent customer service. Here are some ways to find potential candidates:

• Post job listings on online job boards such as Indeed or Monster
• Attend job fairs and networking events
• Ask for referrals from your current employees or industry contacts
• Use social media to advertise job openings and reach a wider audience

Once you receive applications, be sure to review them thoroughly and conduct interviews to get to know the candidates better. During the interview process, ask questions about their experience, availability, and why they want to work for your restaurant.

Once you have hired your staff, it’s important to follow the employment rules and regulations as well as provide them with proper training. Here are some tips for training your staff:

• Develop a comprehensive training program that covers all aspects of the job, including customer service, food preparation, and safety protocols
• Provide hands-on training and allow your staff to practice their skills in a real-world setting
• Offer ongoing training to ensure your staff stays up-to-date with industry trends and best practices

7. Menu Creation

Creating a menu is an exciting part of starting a restaurant in Ontario. Your menu is the first thing your customers will see when they sit down, and it can make or break their dining experience. Here are some tips to help you create a menu that will impress your customers:

Know Your Target Audience

Before you start creating your menu, you need to know your target audience. Are you targeting families with young children, or are you catering to a more upscale crowd? Knowing your target audience will help you create a menu that appeals to their tastes and preferences.

Keep It Simple

When it comes to creating a menu, less is often more. A simple menu with a few well-executed dishes is better than a long menu with mediocre food. Keep your menu simple and focus on quality over quantity.

Offer Variety

While keeping your menu simple is important, you also want to offer enough variety to appeal to different tastes. Include vegetarian, vegan, and gluten-free options to cater to customers with dietary restrictions.

Highlight Your Specialties

Your menu should highlight your restaurant’s specialties. If you’re known for your burgers, make sure they’re front and center on your menu. If you have a signature dish, make sure it stands out.

Include Descriptions

Including descriptions of your dishes can help entice customers to order them. Use descriptive language to highlight the flavors and ingredients in each dish.

8. Marketing Your Restaurant

Once you’ve established your restaurant, it’s time to start marketing it to attract customers. There are many ways to promote your restaurant, but in this section, we’ll focus on two: online marketing and community engagement.

Online Marketing

In today’s digital age, having a strong online presence is crucial for any business, including restaurants. Here are some online marketing strategies to consider:

• Website: Create a website for your restaurant that includes your menu, location, hours, and contact information. Make sure it’s mobile-friendly and easy to navigate.
• Social Media: Use social media platforms like Facebook, Instagram, and Twitter to connect with potential customers. Post mouth-watering photos of your dishes, share updates about specials and events, and respond to customer inquiries and reviews.
• Online Listings: List your restaurant on popular online directories like Yelp, Google My Business, and TripAdvisor. Encourage customers to leave reviews, and respond to both positive and negative feedback.

Community Engagement

Engaging with your local community can help you build a loyal customer base and generate positive word-of-mouth. Here are some community engagement strategies to consider:

• Partnerships: Partner with other local businesses and organizations to cross-promote each other. For example, you could offer a discount to customers who show their receipts from a nearby store or sponsor a local sports team.
• Events: Host events at your restaurant, such as live music, trivia nights, or cooking classes. This can help you attract new customers and keep existing ones coming back.
• Charitable Giving: Consider donating a portion of your profits to a local charity or hosting a fundraiser. This can help you build goodwill in the community and attract socially-conscious customers.

By implementing these marketing strategies, you can increase your restaurant’s visibility and attract more customers. Remember to track your results and adjust your approach as needed to ensure the best possible return on investment.

9. Frequently Asked Questions

To open a restaurant in Ontario, you need to obtain several permits and licenses, including a business license, food handler’s certificate, and building permit. You may also need to obtain a liquor license if you plan to serve alcohol. Each municipality in Ontario may have specific requirements, so it’s important to check with your local government for more information. You can also use the Permits and Licenses Search tool to find out what permits you need for your specific business.

Yes, you need a license to sell food in Ontario. The type of license you need depends on the type of food you’re selling and how it’s prepared. You may need a food handler’s certificate, a food premises license, or a temporary food service permit. You can find more information on the Food Safety for Businesses page on your municipality website.

Starting a food business from home in Ontario is possible, but there are strict regulations you need to follow. You need to obtain a home-based business permit, a food handler’s certificate, and a food premises inspection. You also need to ensure that your kitchen meets certain requirements, such as having a separate entrance and sink. The Ontario Ministry of Health’s guide is a great place to find more information.

The cost of opening a restaurant in Canada can vary widely depending on factors such as location, size, and type of restaurant. According to QuickBooks Canada, the average cost to open a restaurant in Canada is around $275,000, but it can range from $100,000 to over $1 million.

Opening a restaurant can be profitable in Canada, but it’s important to do your research and create a solid business plan. According to the Canadian Restaurant and Foodservices Association, the restaurant industry in Canada is a $93 billion industry, with over 98,000 restaurants across the country. However, the success of your restaurant will depend on factors such as location, menu, and competition.

10. Resources for Restaurant Businesses in Ontario

Government resources.

• Liquor Sales Licences
• Harmonized Sales Tax for Ontario – Point-of-Sale Rebate on Prepared Food and Beverages
• Ontario Food Premises Regulation
• Health Protection and Promotion Act
• O. Reg. 493/17: FOOD PREMISES
• Public Health Unit locations
• Beer and Wine Tax
• Decide on the ownership structure for your business
• Check for licences and permits
• Ontario Agriculture and food statistics

Industry Resources

• Canadian Restaurant and Foodservices Association
• Ontario Restaurant Hotel & Motel Association
• Ontario Hospitality Conference
• Food & Beverages Ontario
• Baking Association of Canada
• Ontario Accommodation Association
• Restaurants Canada

Other Resources

• How to create a menu from scratch: 10 key tips for restaurants
• 10 Best Practices for Picking the Perfect Restaurant Location
• Food Service and Hospitality
• Foodism Toronto
• Food In Canada
• Eat Magazine
• Canadian Food Business Magazine
• Culinaire Magazine

About the author

Maurice (Moe) Muise learned the ins-and-outs of government while an employee of the Government of Canada in Ottawa for 10 years. His current focus is helping small businesses in Ontario to identify and maximize government grants to grow their business. Click here to learn more about Moe’s background and how he can help your business.

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Best Debt Consolidation Reviews of October 2024

There are a few ways out of loan and credit card debt, but the best way is through a low-interest rate debt consolidation loan. Combine all your existing high-interest rate debt into one low monthly payment and you will be on your way to debt freedom.

Editor's Top Choice!

Editor’s Rating:  9.8 / 10

(855) 480-1210

• Ranked the 25th best financial services company in USA by INC Magazine
• Minimum Debt $10,000​
• $3 billion plus in debt resolved for clients​
• 24 to 36 Month Program​
• Trustpilot rated 4.8 stars with over 7,300 reviews​
• INC 500 member fastest growing companies​
• No upfront fees​
• 100% service guarantee​

Read Review

Editor’s Rating:   9.3 / 10

• $500 Million+ In Debt Resolved​
• Minimum Debt $7,500​
• No Minimum Credit Score​
• 24 to 48 Month Program ​
• Accredited BBB Member A+ Rating​

Editor’s Rating:   9.1 / 10

• Top Rated Loan Network​
• Loans of $2,500 - $50,000​
• Terms of 3 to 120 Months​
• 24 Hour Funds Post Approval​
• BBB A+ Rating​

 Editor’s Rating:  8.6 / 10

• $1 Billion+ In Debt Resolved
• Minimum Debt $7,500
• 24 to 48 Month Program
• BBB A+ Rating

 Editor’s Rating:  8 / 10

• $10 Billion+ Debt Resolved
• Minimum Debt $15,000

The Best Debt Consolidation Companies of 2024

Debt consolidation can be a great way reduce your monthly payments, save money on interest, and get out of debt faster. But with so many options available, it can be hard to know where to start. That’s where Crixeo comes in. We’ve done the research and hand-picked what we believe to be the best debt consolidation companies of 2024. 

Our goal is to match you with the most affordable debt consolidation solution that will provide you with the greatest savings and pay off your debt in the shortest amount of time possible.

ClearOne Advantage

If you’re struggling with debt, ClearOne Advantage can help. They are a leading debt-relief company, and since 2008, they have helped thousands of clients resolve their credit card bills and other unsecured debts. They don’t charge any upfront fees. ClearOne Advantage works with you to create a personalized debt relief plan that fits your budget. Their certified debt specialists will negotiate lower final payment amounts with your creditors so that you can pay back a reasonable portion of your bills – at an acceptable level.

Debt Amounts $10,000 – $250,000

Minimum credit score no minimum, bbb rating a+.

Debt resolution- sometimes called debt settlement or debt consolidation – isn’t for everyone, but those who stick with the program typically pay off their enrolled debts within three to four years. ClearOne Advantage lowers monthly payments and often leaves clients with more cash on hand to spend as needed.

Pacific Debt Relief

Pacific Debt Relief is one option that can help you by negotiating lower interest rates and monthly payments on your behalf with your creditors. This could save you money each month and help you get out of debt more quickly.If you’re looking to consolidate your debt and lower your monthly payments, Pacific Debt Relief may be a good option for you.

To qualify, you’ll need to have at least $10,000 in debt and a maximum of $100,000 in debt.  Applying is simple and if approved, Pacific Debt Relief will work with you to create a payment plan that fits your budget.

• Lowest industry prices
• Free consultation and no upfront costs
• Personal account manager
• Easy to monitor your account online
• The program does not cover collateral-based loans like car loans or home loans.

Debt Amounts $7,500 – $250,000

Pacific Debt Relief is nationally recognized leader in debt consolidation services. They have been in business since 2002 and have helped thousands of people consolidate their debts and get back on track. They are accredited and have an A+ rating with the Better Business Bureau, so you can be confident that they are a very reputable company. One of the things that make Pacific Debt Relief unique is its experience. With over 20 years in business and thousands of clients helped, their focus on unsecured debt consolidation can provide relief from your financial burdens.

AmOne is a personal loan company that can help you get the money you need for debt consolidation, home improvement projects, medical expenses, and more. They work with trusted lenders to get you the best rate possible. AmOne is the best place to get a personal loan. The process is quick and easy, and you’re not obligated to accept the loan offer if it’s not right for you. Plus, there are no fees or hidden costs.

• Trusted with good reputation
• You will be matched with a lender that suits your needs
• Great Customer Service
• You may not be able to get a loan if you have bad credit

Debt Amounts $2,500 – $50,000

This company offers loans for a variety of purposes, including consolidating debt, funding home improvement projects, paying for medical expenses, and more. With loan amounts ranging from $1,000 to $100,000, they have the perfect solution for your needs. AmOne personal loans are a great option for those looking for a fixed rate loan. Repayment terms range from 24 to 60 months, making it a great option for a variety of borrowing needs. Additionally, there are no origination fees or prepayment penalties with this loan.

National Debt Relief

 Editor’s Rating:   8.6 / 10

National Debt Relief is a company that is dedicated to helping people get out of debt. They have a great reputation and years of experience helping people with debt consolidation. Their customer service is available 24/7 to help you with your needs.

• If you have a large amount of total debt, you may be able to have it all erased within just a few years
• They provide support throughout the process, making it less stressful for you
• Develop a plan that is tailored specifically to your needs
• Debt settlement can negatively impact your credit score
• You may have to pay taxes on the forgiven debt

Debt Amounts $7,500 – $150,000

National Debt Relief may be the answer for you if high success rates and many satisfied customers are what you’re looking for. National Debt Relief has a great reputation and extensive experience in the field, making them a prime candidate to help you get out of debt.

Freedom Debt Relief

 Editor’s Rating:   8 / 10

Freedom Debt Relief is the largest debt settlement company in the country, however, they have had a checkered past. They settled lawsuits for $25 million with the Consumer Financial Protection Bureau and other state attorney generals for deceptive trade practices.  They have years of experience helping people with debt consolidation. Their customer service is available 24/7 to help you with your needs.

• You can get out of debt faster
• It’s typically less expensive than bankruptcy
• You may be able to keep your property
• It will damage your credit score
• You may still owe some money

Debt Amounts $15,000 – $150,000

Minimum credit score 580.

If you’re struggling with debt, talking to a certified debt consultant from Freedom might be a good step to take. They can help assess your situation and create a custom program to try and improve your financial standing. While debt freedom may be the ultimate goal, simply improving your finances can provide significant relief.

Guide to Debt Consolidation

This guide will help you understand which types of debt can benefit most from debt consolidation and which solution might be right for you. Consolidation is a popular way to pay off debt. By taking out a new loan, you can pay off your existing debt and save money on interest payments. You’ll also learn how debt consolidation can impact your credit score.

What is a debt consolidation loan?

Debt consolidation is a great way to get your debt under control. By taking out a new loan to pay off your outstanding debts, you can often reduce your interest rate and give yourself more time to repay the amount owed. This can be a great relief for many people who are struggling with debt.

Debt consolidation is a great way to streamline your debt repayment process by combining all of your bills into one single payment. There are many benefits to consolidating your debt, including the following:

• Credit Cards
• Medical Bills
• Payday Loans
• Student Loans

How do debt consolidation loans work?

Debt consolidation is a great way to simplify your payments and protect your credit. A personal loan typically has a lower interest rate than credit cards, and the repayment terms can be stretched out to between 36 and 60 months so you can take advantage of lower monthly payments over an extended period. This means that you’ll still payoff the full amount you owe, but you can do so in a more manageable way.

Debt consolidation is a great way to reduce your monthly payments and become debt-free. There are many options available, so make sure to shop around and compare rates before you decide on a loan. You can get a loan through a bank, credit union, private lender, or other financial institution.

Debt consolidation vs Debt settlement

Debt relief programs come in many different forms, but one of the most popular is debt settlement.

Debt settlement is a process of negotiating with creditors to reduce the total amount of debt you owe. This process can be done on your own or with the help of a professional debt settlement company.

Debt settlement should be considered when:

• You have too many debts to manage
• You are willing to risk your credit score
• and you want to avoid filing for bankruptcy

How to qualify for a debt consolidation loan?

Debt consolidation loans are generally available to individuals with a strong credit history and a steady income. To qualify for a loan, most lenders require that applicants have unsecured debt totaling more than $5,000. Loan terms and conditions will vary depending on the lender, but typically include proof of income and a review of your credit history.

Debt consolidation loans can be a great way to get your finances back on track. But in order to get the best loan for your situation, it’s important to do your homework and prepare ahead of time.

Assuming you have debt across multiple loans and credit cards, it’s important to get a handle on what you owe as well as come up with a plan to pay it off. Taking inventory of your debt is the first step. This will help you determine how much you can afford to pay each month, and put you on a path to becoming debt-free.

There are many options available when it comes to debt relief, and choosing the right one can be difficult. However, with a reputable  debt consolidation company can help you identify the best option for you based on your individual situation. One important factor to consider when making a decision is whether you want to take out a secured or unsecured loan debt consolidation loan.

What is an unsecured debt consolidation loan?

Unsecured debt consolidation loans are not backed by an asset or collateral, making them the more popular choice. However, unsecured loans typically have higher interest rates than secured loans.  Lenders will base approval for the loan and the interest rate on your credit score, income and debt-to-income ratio. To be approved for an unsecured personal loan for debt consolidation, you will typically need to have a good credit score.

What is a secured debt consolidation loan?

Secured debt consolidation loans can be a great way to get your finances in order. By using an asset or property as collateral, these loans can offer lower interest rates and monthly payments than unsecured options. However, it’s important to only apply for a loan you’re confident you can repay, as defaulting on the loan could result in your property being seized .

It’s important to do your research and compare rates and terms from different lenders.  Make sure you understand the qualifications each lender requires for loan approval. Not all debt consolidation companies are created equal, so use these tips to help you identify a legitimate and trustworthy one.

There are a few things you can do to research a debt consolidation company and make sure you are working with a reputable one. First, you can visit organizations like the American Fair Credit Council. This organization keep lists of companies that they have accredited. To be accredited by the AFCC, the company must meet certain standards for consumer protection.

Another way to research a company is to read reviews from customers. You can ask family and friends for their experiences or look at online reviews of the top debt consolidation companies. This will give you an idea of what real consumers experienced while working with them.

For example, read our reviews on Turbodebt , Liberty Financial 1 , or Advantage Preferred Financial

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