Key Update: June 12, 2024Alberta has reached its application targets for the Alberta Opportunity Stream (AOS) and the Tourism & Hospitality Stream as of June 12, 2024. This milestone indicates the high demand and successful intake of applications under these categories. Details of the Announcement:Date: June 12, 2024Streams Affected: Alberta Opportunity Stream (AOS) and Tourism & Hospitality StreamStatus: Application targets met Understanding AAIP Processing Times:Processing times for AAIP applications can vary depending on several factors, including the specific stream and the volume of applications received. Here’s what you need to know: Stream-Specific Processing Times: Each stream under the AAIP, such as the Alberta Opportunity Stream and the Tourism & Hospitality Stream, has its own processing timeline. Applicants should be aware of these differences to better plan their application process. Regular Updates: The AAIP website is regularly updated with the latest processing times. This ensures that applicants have access to the most current information, helping them manage their expectations and timelines effectively. Volume Impact: The volume of applications received can significantly impact processing times. Higher volumes may lead to longer wait times, so it’s essential for applicants to consider this when planning their submissions. Summary of 2024 nominations issued and total nominations available per stream.
Latest June 2024 PNP Canada Updates
The Provincial Nominee Program (PNP) continues to evolve, with significant updates and draws taking place across various provinces in Canada this June. Here’s a detailed breakdown of the latest developments: British Columbia June 11, 2024 DrawOn June 11, 2024, a General draw was held, inviting candidates across several streams: 1. Skilled Worker 2. Skilled Worker – EEBC Option 3. International Graduate 4. International Graduate – EEBC Option 5. Entry Level and Semi-Skilled Sector-Specific InvitationsAdditionally, on June 11, 2024, sector-specific invitations were issued for childcare, construction, and healthcare sectors. Here are the details: June 4, 2024 DrawThe draw on June 4, 2024, also targeted specific sectors including childcare, construction, healthcare, and tech. The details are as follows: OntarioOn June 11, 2024, the Ontario Immigrant Nominee Program (OINP) held a targeted draw under the Employer Job Offer: Foreign Worker stream. A total of 124 Invitations to Apply (ITAs) were issued to candidates in the Expression of Interest (EOI) system pool who may qualify under the National Occupational Classification (NOC) 42202 – Early Childhood Educators and Assistants. This draw is part of Ontario’s ongoing efforts to address labor market needs and support the province’s economic growth by attracting skilled professionals in high-demand occupations. The targeted approach ensures that early childhood educators and assistants, who play a crucial role in the development and education of young children, have the opportunity to contribute to Ontario’s workforce. Manitoba The Manitoba Provincial Nominee Program (MPNP) recently conducted a draw on June 6, 2024, issuing a total of 254 Letters of Advice to Apply (LAAs) to candidates across various streams. This draw highlights Manitoba’s ongoing efforts to attract skilled workers and international graduates to meet the province’s labor market needs. Breakdown of Invitations Alberta June 11, 2024Alberta experienced some technical difficulties as it opened its stream on June 11. The province encountered a technical error on its website, which affected the application process. Prospective candidates are advised to stay updated on the situation for further announcements and instructions on how to proceed. June 4, 2024Alberta set a nomination limit of 9,750 for all its provincial nominee programs. This nomination limit will guide the province’s immigration targets and ensure a structured approach to welcoming new immigrants. QuebecJune 10, 2024 (Invitations Issued on May 30, 2024)Quebec announced the results of a draw held on May 30, 2024, where 1,441 candidates were invited. To qualify, candidates needed to have a level 7 or higher oral proficiency in French. Additionally, they either required a score equal to or greater than 591 or a valid job offer outside of Montreal. This draw underscores Quebec’s focus on attracting French-speaking immigrants and addressing regional labor market needs. ConclusionThese latest updates reflect the dynamic nature of Canada’s Provincial Nominee Program, with each province tailoring its draws to meet specific economic and labor market requirements. Prospective immigrants should stay informed about the latest developments to take advantage of these opportunities. For the most accurate and up-to-date information, regularly check the official websites of the respective provincial immigration programs. Stay tuned for more updates and insights into the Canadian immigration landscape.
How certain Express Entry candidates might gain advantages from category-based selection draws
Recent trends indicate that Express Entry candidates eligible for category-based selection draws are likely to receive an Invitation to Apply (ITA) even if their Comprehensive Ranking System (CRS) score is below 500. CRS scores are numerical values assigned by Immigration, Refugees, and Citizenship Canada (IRCC) based on a candidate’s human capital factors when they enter the Express Entry pool. Additionally, CRS scores are used to determine the cut-off score for each Express Entry draw. The cut-off score is the lowest score among all candidates who receive an ITA in a specific draw. These scores are crucial because candidates with CRS scores below the cut-off will not be considered for an ITA for Canadian permanent residence in that particular draw. In recent weeks, various sources have reported that numerous immigration candidates are worried about the high CRS cut-off scores. So far in 2024, there hasn’t been a general Express Entry draw with a minimum CRS score below 524. Note: In contrast, in 2023, 17 out of IRCC’s 25 non-category-based Express Entry draws (both general and program-specific) had CRS cut-off scores below 518. Of these, six draws had cut-off scores between 500 and 517, while 11 draws had cut-off scores under 496. CRS scores for category-based selection draws in 2024 This year, IRCC has conducted eight category-based Express Entry draws. In comparison to IRCC’s nine general and program-specific draws in 2024, the CRS cut-off for category-based draws has been at least 33 points lower in every instance. The eight category-based draws conducted by IRCC this year are as follows: February 1: French language proficiency draw: minimum CRS: 365 February 14: Healthcare draw: minimum CRS: 422 February 16: Agriculture and Agri-Food draw: minimum CRS: 437 February 29: French language proficiency draw: minimum CRS: 336 March 13: Transport draw: minimum CRS: 430 March 26: French language proficiency draw: minimum CRS: 338 April 11: Science, Technology, Engineering, and Mathematics (STEM) draw: minimum CRS: 491 April 24: French-language proficiency draw: minimum CRS: 410 Therefore, Express Entry candidates worried about achieving a high enough CRS score for IRCC’s general draws might benefit from targeting ITAs through IRCC’s category-based Express Entry draws, as these tend to have lower CRS cut-off requirements for eligible candidates. Am I eligible for category-based selection? To be eligible for an ITA through a category-based Express Entry draw, candidates must meet specific criteria unique to their category. For more information on the six categories and to determine your eligibility for IRCC’s category-based draws based on your NOC code and other criteria, visit this dedicated webpage. In particular, besides fulfilling all the requirements outlined in the instructions for a specific round of invitations, applicants must also meet additional criteria relevant to their category. French language proficiency category Achieve a minimum score of 7 in all four language abilities (speaking, reading, writing, and listening) on the Niveaux de compétence linguistique canadiens (NCLC). For more information: In April, IRCC announced that French language proficiency will account for the majority (30%) of ITAs issued through category-based draws this year. Occupational categories In 2024, IRCC is prioritizing immigration candidates with eligible work experience in the following five industries: All occupational categories eligible for category-based selection require candidates to have at least six months of eligible full-time, continuous (or equivalent part-time) work experience within the last three years. This work experience can be obtained in Canada or abroad. Note: Although the list of eligible National Occupation Classification (NOC) codes varies by occupational category, qualifying work experience must be in a single occupation under one of the qualifying NOCs within a given category. Who is most likely to benefit from category-based selection draws? Assuming a candidate is eligible*, foreign nationals with a CRS score below 500 will likely need a category-based draw. Note: The CRS score above is based on the lowest CRS cut-off score of any general draw in 2024, which was 524 on March 25. Immigration candidates with CRS scores around 500, as well as eligible candidates who do not meet this threshold, will likely need a category-based selection draw to receive an ITA for Canadian permanent residence if they cannot increase their CRS score through other means. What if I’m not eligible? Candidates aiming to enhance their CRS score for general draws can employ strategies to increase their score without switching occupations. Language Language proficiency plays a significant role in the CRS scoring system, potentially contributing up to 310 points when combined with other factors like education. In essence, exceeding the minimum language requirements for any of the three Express Entry-managed programs can boost a candidate’s CRS score. For instance, while the Federal Skilled Worker Program (FSWP) mandates a Canadian Language Benchmark (CLB) 7, achieving higher levels, such as CLB 10, can garner additional CRS points. Moreover, proficiency in a second official Canadian language can further increase CRS points. Candidates can earn up to 6 additional points per language ability, beyond those obtained for proficiency in the first language. Beyond the CRS score boost, mastering a second official language offers newcomers to Canada various advantages. It enhances employability, making them more appealing to companies with open positions. Additionally, proficiency in another language facilitates socialization and helps newcomers adapt more comfortably to their new environment. Education Education is a factor in the CRS system that can contribute up to 250 points, depending on whether the candidate obtained their educational credentials inside or outside of Canada. Thus, candidates can enhance their CRS score either by pursuing further education or by obtaining Educational Credential Assessments (ECAs) for their existing credentials. Note: IRCC mandates that economic immigration candidates educated outside of Canada must obtain an ECA for their highest completed educational credential obtained outside of Canada. Work experience CRS scores can be elevated based on an applicant’s NOC level. Therefore, evaluating your current work experience to determine if your responsibilities align with an NOC categorized as “skilled” by IRCC could potentially earn you more points. Similarly, assessing the duration of your employment may also result in more points, as IRCC awards points for full-time or equivalent part-time work experience
Understanding Your Obligations: A Comprehensive Guide to Sponsoring a Family Member
Your obligations as a sponsor When you agree to be a sponsor, you must sign an undertaking, promising to give financial support for the basic needs of your spouse or partner and their dependent children. Basic needs are: Before signing the sponsorship agreement, ensure the family members you sponsor won’t need to ask the government for financial help. If they do receive assistance, you’ll have to repay the amount they got while you’re legally responsible for them. Additionally, you won’t be able to sponsor anyone else until you’ve paid back that amount. The undertaking is a binding promise to support the person you sponsor. This means you are responsible for their financial support for the entire period of the agreement, no matter what happens. The promise remains in effect even if: May I cancel my undertaking after it’s been approved? If you change your mind after submitting the sponsorship application and undertaking, you must write us a letter and send it as an attachment through the IRCC Webform before a final decision is made. You can only withdraw the undertaking if we approve your request. Length of undertaking Your responsibilities as a sponsor begin as soon as the undertaking takes effect. If you change your mind after submitting the sponsorship application and undertaking, you must send IRCC a letter through the IRCC Webform before a final decision is made. Withdrawal of the undertaking is only possible if IRCC approve your request. You’re sponsoring a spouse, common-law partner or conjugal partner The undertaking lasts for 3 years starting from the day your spouse, common-law partner, or conjugal partner becomes a permanent resident. You’re sponsoring a dependent child over 22 years of age The undertaking lasts for 3 years from the day your dependent child (or the dependent child of your spouse, common-law partner, or conjugal partner) who is over 22 years old becomes a permanent resident. You’re sponsoring a dependent child under 22 years of age The undertaking lasts for 10 years from the day your dependent child (or the dependent child of your spouse, common-law partner, or conjugal partner) under 22 years old becomes a permanent resident, or until the child turns 25, whichever comes first. The duration of the undertaking for Quebec residents is slightly different.Note: You’ll be in default if your relative gets social assistance from the government while the undertaking is in effect. Become a sponsor You can become a sponsor if you are: You must also be able to show that you can provide basic needs for: Note: Generally, if you are sponsoring a spouse, partner, or dependent child, there is no minimum necessary income (MNI) requirement. However, you must meet the minimum income requirement if the spouse or partner you’re sponsoring has a dependent child with their own dependent child, or if the dependent child you are sponsoring has their own dependent child. The income requirement is based on Statistics Canada’s annual Low-income Cut-Off (LICO). If you live in Quebec, you must also meet Quebec’s conditions to be a sponsor. Note: You remain eligible to sponsor if you receive maternity, parental, and sickness benefits under the Employment Insurance Act. These benefits are considered as income to meet the minimum necessary income (MNI) requirement. You are still eligible to sponsor if you receive regular Employment Insurance and federal training allowances. Typically, these benefits are not considered as income for meeting the MNI requirement. Important: For the tax years 2020 and 2021, a public policy was implemented allowing sponsors of all family class applicants who need to meet income requirements to include regular Employment Insurance benefits in their income calculations, rather than solely special Employment Insurance benefits. You may not be able to sponsor if you… Sponsoring if you live outside Canada If you’re a Canadian citizen living outside Canada, you can sponsor your: You must show that you’ll live in Canada when the sponsored person becomes a permanent resident. Defaults You can’t become a sponsor if any of the situations below apply to you: A previous sponsorship undertaking If the family members you previously sponsored received social assistance or welfare during the validity of the undertaking, you cannot sponsor another individual until: An immigration loan If you received a transportation, assistance, or right of permanent residence fee (previously called the right of landing fee) loan and have missed payments: Support payment obligations If you have been directed by a court to provide support payments to a spouse or child and have not fulfilled these obligations: A performance bond If you have committed to providing funds to ensure that an immigrant fulfills their obligations under immigration laws: Five-year sponsorship bar for people who were sponsored to come to Canada as a spouse or partner Are you eligible to sponsor someone? The five-year sponsorship bar doesn’t apply, no matter when you became a permanent resident. The five-year sponsorship bar applies. You may not sponsor a foreign national referred to as a spouse, common-law partner, or conjugal partner until you’ve been a permanent resident for five years. Sponsorship bar for violent crime The sponsorship bar prohibits individuals convicted of specific crimes from sponsoring a family member. If you have been convicted of a crime resulting in bodily harm to any of the relatives listed below, you are ineligible to sponsor anyone under the Family Class or the spouse or common-law partner in Canada (SCLPC) class. Note: Relatives the sponsorship bar can apply to: Who you can sponsor With this application, you have the opportunity to sponsor your spouse, common-law partner, or conjugal partner who is at least 18 years old, or your dependent child (For sponsoring an adopted child, utilize the sponsorship package designed for adopted children). The individual you are sponsoring and their family members must successfully undergo background, security, and medical checks. Choose the class of application When sponsoring a conjugal partner or dependent child, you must apply under the Family Class, with processing conducted outside Canada. For sponsoring a spouse or common-law partner, you have the option
Hints are given for changes in eligibility criteria for PGWP by Marc Miller
International students will need to graduate from programs related to jobs with labor shortages and meet new language requirements to get a work permit after graduation, according to changes being considered by the Immigration Department. With a limit on the number of international students, Immigration Minister Marc Miller has hinted at upcoming changes to the rules for post-graduation work permits. A survey sent to colleges and universities has provided some details on these changes. Under the new plan, academic programs will be linked to Canada’s job classification system. This system will show which programs meet the education requirements for jobs that are expected to have labor shortages in the future. For example, carpenters would be mapped to one of three programs of study: construction trades, carpentry, woodworking/general. The proposed changes are “to align (postgraduation work permit) eligibility with labour market needs while reducing the overall volume of PGWP holders, and increasing the likelihood that international students have labour market outcomes commensurate with their education and training,” said the one-page questionnaire obtained by the Star. For over ten years, international students could study any college or university program and still get an open work permit after graduation, even if their studies didn’t match what the Canadian economy needs. These work permits have made Canada a popular choice for international students, but they have also been criticized for causing a huge increase in the number of foreign students enrolling. The increase in international students has led Miller to set a two-year cap to decrease the number of new study permits issued and to reduce the number of hours students can work off campus per week during the school year. The survey’s eight questions include: •If the permit eligibility were restricted based solely on occupations in shortage, and corresponding programs of study, which occupations should be included based on the needs in your area? •What, if any, cohorts should be exempted from these changes, such as francophone students or graduate degree programs or others? •Should international students be required to demonstrate proof of a job offer aligned with the occupational shortage list in order to hold a (postgraduation work permit) beyond one year? •Should any other eligibility criteria (language, provincial support, etc.), apart from a job offer, be applied to PGWP holders seeking to extend their permit past one year? •What is your view of applying these labour market-based changes to PGWP eligibility to all graduates upon announcement this year, rather than grandfathering students who are already studying in Canada at the time of implementation? Immigration officials are also seeking feedback from postsecondary education institutions about the prospects of permanent residence for international graduates with job offers in in-demand sectors under their respective provinces’ own immigration selection programs. “Are there any gaps between the labour market needs you have identified and your (province’s) existing streams?” the survey asks. “Will any … amendments be required to ensure they remain responsive to graduates and PGWP holders in specific occupations?” Getting an open work permit to stay in Canada after graduation has been a big reason why people choose to study here. The immigration system often selects candidates already in the country for permanent residency, favoring those with Canadian education and work experience. Experts say changing the rules for post-graduation work permits could help Ottawa achieve its goals of restoring the international education program’s integrity, improving the quality of permanent resident candidates, and matching their studies with job market needs. The last major changes to the post-graduation work permit program were in April 2008. These changes allowed recent graduates to get an open work permit for up to three years, depending on their program’s length, without restrictions on where they studied or needing a job offer.
Alberta PNP Application Intake Dates Revealed
Alberta’s immigration program, the Alberta Advantage Immigration Program (AAIP), is very popular right now. There are a lot more people wanting to move to Alberta than the number of spots available. For 2024, Alberta only has 9,750 spots available for nominations. Alberta paused applications for several programs within the AAIP earlier this year due to high demand. Now, new guidelines have been announced for the following programs: These guidelines are similar to those introduced earlier this year for the Tourism and Hospitality stream. Key Takeaways AAIP Nomination Allocations For 2024 The federal government gave Alberta 9,750 spots for PNP nominations in 2024. Here’s how Alberta will divide up those spots: As of May 29, 2024, there are 5413 nominations remaining in Alberta’s 2024 allocation. This is what that allocation looks like per program: Alberta has also published figures for the Express Entry Stream allocations in 2024: When Can You Apply For the AAIP In 2024? The AAIP will start accepting applications for the Tourism and Hospitality Stream, Alberta Opportunity Stream, Rural Renewal Stream, and Accelerated Tech Pathway on these dates: It’s important to be ready to apply as soon as possible on those dates. These programs are in high demand, and the intake will only be open for a short time until the application limit is reached. What Are The Application Intake Limits For The AAIP in 2024? Preparing Your AAIP Application For Submission You need to submit AAIP applications through the online portal. To do this, you must have an Alberta.ca Account to access the AAIP portal. After creating your account, review the document checklist, collect all required documents, and complete as much of your application as possible before the intake date. Here are some quick tips for your application: Benefits Of The New AAIP Processes This new procedure has been introduced to manage the high demand for Alberta’s PNP. While it might be disappointing for individuals who are unable to apply during each monthly intake (as these intakes are expected to fill up rapidly), it does ensure that there will be numerous chances to apply for the AAIP. Moreover, this new method offers applicants greater clarity on when applications will be accepted. Although intakes are restricted, this approach allows year-round access to the program and eliminates the possibility of temporary closures due to high demand, thereby enhancing confidence in the program.
Visitor Visas for workers and students: How to Apply from Within Canada
A work permit or study permit is distinct from a visa. Who can apply for a visitor visa from inside Canada To apply for a visitor visa within Canada, you must fulfill these conditions: If you already left Canada and need to apply for a new visitor visa Instead of the way you apply while you’re already in Canada, you’ll need to use the process for applying from outside Canada. Since you’re not in Canada, there might be different things you need to do. When to apply for your new visitor visa (in Canada) Make sure to: If you leave Canada before you get your new visitor visa You might have to: If you must leave Canada for exceptional reasons before you get your new visitor visa Complete this web form before you leave Canada. If you applied online to extend your work or study permit If your application is approved by IRCC, they’ll send you a message in your online account and mail you your new work or study permit. After IRCC approve your application to extend your permit Once IRCC approves your application to extend your work or study permit, you can apply for your visitor visa right away, even before receiving your new permit in the mail. But, you need to show proof that your application was approved, like: How to apply for your new visitor visa You need to apply online in your IRCC secure account. Get the right application form To get the right application form, provide these answers in the online questionnaire: The application form listed in your document checklist will be called Application for Visitor Visa (Temporary Resident Visa) Made Outside of Canada (IMM 5257). This is the form you need to fill out, even when you apply from inside Canada. Use your account to pay your fees and check your application status.
Express Entry draws: Facts and Expectations
Future of CEC Express Entry Draws: What to Expect in 2024 Overview Canada has resumed Canadian Experience Class (CEC) Express Entry draws after a 32-month hiatus. This marks a positive turn for many CEC candidates. Here’s what to anticipate for the rest of 2024 based on current trends and data. Invitations for 2024 From June to December 2024, an estimated 68,000 more Invitations to Apply (ITAs) will be issued. The total number of ITAs expected for 2024 is around 110,000, with approximately 41,955 ITAs already issued by May 31. Breakdown of Invitations Based on historical data and the current annual target, the IRCC is likely to issue around 9,700 ITAs monthly. A significant portion of these will be allocated to general draws, including the CEC draws, which are expected to constitute around 40% of all ITAs. CEC-Specific Draws CEC draws have resumed due to an increased focus on transitioning temporary residents to permanent status as a measure to address housing issues. CEC-specific draw invitations are anticipated to maintain a high CRS (Comprehensive Ranking System) cutoff score, likely above 500. Candidates are advised to seek ways to boost their CRS scores as cutoffs dropping below 450 are improbable. Upcoming Draws The next Express Entry draw is anticipated between June 11–13, continuing the biweekly pattern. However, the IRCC may deviate from this schedule. Comparing Express Entry Draws: 2023 vs. 2024 In the first half of 2024, the Express Entry system saw significant changes compared to the same period in 2023. Here’s a breakdown: Key Differences: Trends and Implications: Looking Ahead: The higher immigration target for 2024 (110,770) compared to 2023 (82,800) suggests more ITAs may be issued in the latter half of 2024 to meet these goals. This might lead to more frequent or larger draws in the coming months. Conclusion CEC candidates can expect regular draw invitations moving forward, but should prepare for high CRS cutoffs. The focus remains on converting temporary residents to permanent ones, aligning with Canada’s broader immigration goals.
IRCC has NOT removed police certificate requirements for temporary residents
Several news outlets have recently reported on changes to police certificates for temporary residents, with some suggesting that Canada has abolished the police certificate requirement for temporary residents. However, Immigration, Refugees, and Citizenship Canada (IRCC) has not changed its policy regarding police certificates, and applicants seeking temporary residency in Canada should be aware that they may be required to present one. According to the IRCC’s website, “When you apply as a visitor, student or temporary worker, we may ask you for a certificate.” On another page, IRCC writes, “You might need a police certificate if you’re coming to Canada as a: IRCC makes abundantly clear that while police certificates are not always necessary for temporary residents—unlike for applicants for permanent residence or citizenship—they may very well be required. What is a police certificate? A police certificate is an official document that says that the individual has no criminal record or, if they have, provides a copy of that record. Police certificates are issued by the regional police jurisdiction and can be referred to by a variety of names, including “good conduct certificates” and “judicial record extracts.” If the document is not written in English or French, it must be submitted with a certified translation. Why might police certificates be required? Police certificates assist officials in confirming that a person is not inadmissible to enter Canada owing to criminality. All individuals seeking entry into Canada as temporary residents should be informed that they may be required to present a police certificate.
Canada introduces new pilot programs to support caregivers and families, with plans to make the caregivers program permanent
News release Toronto, June 3, 2024—Caregivers from abroad play a crucial role in the lives of Canadian families, providing essential support for children, seniors, and individuals with disabilities. With the Home Child Care Provider Pilot and Home Support Worker Pilot concluding later this month, the Honourable Marc Miller, Minister of Immigration, Refugees and Citizenship, has announced the launch of new, improved caregiver pilot programs. These enhancements will ensure caregivers can continue to come to Canada, as the government moves towards making these pilot programs permanent. The new pilot programs will grant home care workers permanent residence (PR) upon arrival in Canada. These workers will be allowed to work for organizations offering temporary or part-time care for semi-independent individuals or those recovering from injuries or illnesses. This new pathway enables caregivers to secure appropriate employment with trustworthy employers and provides straightforward access to permanent resident status immediately upon their arrival in Canada. Candidates interested in working in Canada’s home care sector can apply for these new pilot programs if they meet the following criteria: These PR on arrival pilot programs represent a significant advancement in Canada’s efforts to address the evolving home care needs of its diverse population. Additional information, including full eligibility criteria and application details, will be released prior to the full launch of the pilots. Quotes “Caregivers play a critical role in supporting Canadian families, and our programs need to reflect their invaluable contributions. As we work to implement a permanent caregivers program, these two new pilots will not only improve support for caregivers, but also provide families with the quality care they deserve.” – The Honourable Marc Miller, Minister of Immigration, Refugees and Citizenship “After hearing stories and feedback from caregivers across Canada, I am proud that we are taking concrete action to create policies to support the caregiver community. Generations of women and men have advocated for this important pathway and have cared for our families and loved ones here in Canada. Now is the time to return the care they deserve.” – The Honourable Rechie Valdez, Minister of Small Business Quick facts










