Newcomer Business Checklist in Ontario

Setting up a freelance business in Ontario as a newcomer is straightforward — the province has the most accessible registration system in Canada, same-day online processing, and a wide support network for immigrant entrepreneurs in Toronto, Ottawa, Hamilton, and beyond.

Overview: Self-Employment in Ontario

Ontario is Canada’s most populous province and the primary destination for newcomers starting businesses. The Greater Toronto Area, Ottawa, Hamilton, and Kitchener-Waterloo are major freelance hubs across diverse industries including finance, tech, and professional services.

Key Provincial Information

Ontario is Canada’s most populous province and the most common destination for newcomers starting a business. The Ontario Business Registry (ontario.ca/businessregistry) registers business names same-day for $60. Ontario HST is 13%, applied to Canadian client invoices. The province has a competitive banking market with full coverage from Big Six banks, credit unions, and digital options like EQ Bank and Wealthsimple.

Steps for Newcomers in Ontario

  1. Obtain your SIN from Service Canada (if you have not already)
  2. Register your business name with the Ontario provincial business registry if using a trading name
  3. Open a business bank account at a Ontario-based branch or with a digital bank
  4. Set up accounting software that handles Ontario tax rates correctly
  5. Register for GST/HST with the CRA once your revenue approaches $30,000

Provincial Resources

  • Ontario government business portal — for registration, licences, and permits
  • CRA regional tax services office serving Ontario
  • Local Chamber of Commerce — networking and support for new business owners
  • Immigrant entrepreneur programs specific to Ontario (many provinces offer these)

Frequently Asked Questions

Is Ontario a good province for freelancers?

All Canadian provinces offer a viable environment for self-employed professionals. Ontario has specific advantages and considerations — tax rates, cost of living, and available markets vary. Research your specific profession’s demand in Ontario before committing.

Related Guides

Ready to Take the Next Step?

Explore more guides on canadafounders.ca/ — Canada’s independent resource for newcomers and freelancers building a business.