Launch a Moncton Continuing Care Retirement Community Now
This page walks you through starting a Continuing Care Retirement Community (CCRC) in Moncton, NB, under NAICS 623311. It delivers a practical, eight-step roadmap that covers both the big-picture strategy and the day-to-day tasks—permits, zoning, financing, site selection, and initial operations. Whether you’re validating a concept or ready to move, you’ll gain a clear path to a compliant, market-ready community.
What you’ll learn: the eight essential requirements to launch legally and smoothly in Moncton, including zoning and land-use approvals; building and occupancy permits; health, safety and accessibility standards; and the licensing process for ongoing operation under NAICS 623311. You’ll also get a practical handle on costs—capital outlay, financing options, and operating budgets—plus a realistic timeline from site selection to opening, and a robust staffing and governance plan.
Moncton’s growing senior population, active healthcare ecosystem, and supportive local policy create a favorable climate for CCRCs. This page helps you tap that opportunity in a clear, actionable way—so you can launch thoughtfully, meet requirements, and start serving residents sooner.
Requirements Overview
The most critical requirement for operating a business in Moncton is the Business Licence. This licence is issued by the city and legally required to run a continuing care retirement community here. You cannot operate without it, so securing and maintaining the licence is non-negotiable before you open your doors. Treat this as the foundation you must have in place first.
Beyond licensing, you’ll need to focus on mandatory operational requirements that protect health, safety, and ongoing compliance. This includes health and safety responsibilities such as New Brunswick WorkSafeNB Employer Coverage, which is required to cover staff and residents in the workplace. You’ll also handle payroll deductions registrations so you can properly remit employee withholdings and benefits. In addition, keep all required permits and licenses current and aligned with provincial and municipal rules for operating a senior housing and care facility.
For financial and business administration, you’ll need to set up essential registrations and tax accounts. This means obtaining a Business Number (BN) from the Canada Revenue Agency, and registering the business name if you’ll operate under a name other than the legal entity (New Brunswick Business Name Registration, SNB). Choose your legal structure (Partnership Registration or NB Corporation Registration) and determine whether GST/HST Registration applies based on your revenue. These registrations ensure you can properly collect taxes, report income, and meet ongoing regulatory requirements.
Next steps: map out your preferred business structure, secure the Municipal Business Licence, and then complete the BN, SNB (if needed), and corporate/partnership registrations. Check GST/HST thresholds and set up payroll and WorkSafeNB coverage. If you’re unsure, connect with a local regulatory adviser or small-business support service to keep you on track and confident as you move from planning to opening. You’ve got this—steady steps lead to a co
Detailed Requirements
Here are the specific requirements for starting a continuing care retirement communities in Moncton:
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Business Licence RequiredGeneral business licence required to operate a business in City of Moncton. Apply to City of Moncton for Business Licence: 1. Determine business category 2. Complete business licence application 3. Submit required documents (ID, lease, zoning confirmation) 4. Pay application and annual fees 5. Await approval and receive licence Contact City of Moncton Business Licensing for specific requirements. Home-based businesses may have different requirements. Annual renewal required.
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Business Number (BN) Registration RequiredA 9-digit Business Number is required for most businesses operating in Canada. It is used to interact with the Canada Revenue Agency and other federal programs. Required for GST/HST, payroll, corporation income tax, and import/export accounts. Register FREE online through Business Registration Online (BRO) at canada.ca. Takes 15-30 minutes. As of November 3, 2025, online registration is MANDATORY for new BNs - phone registration no longer available. You'll need: business name, address, owner SIN, business type, and start date. BN (9-digit number) issued INSTANTLY online. Available 21 hours/day, 7 days/week (closed 3-6am ET for maintenance).
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New Brunswick Business Name Registration (SNB) RequiredBusinesses in New Brunswick must register their business name with Service New Brunswick if operating under a name other than the owner's legal name. This applies to sole proprietorships, partnerships, and trade names. Registration provides legal recognition and is required for business operations and licensing. Registration can be completed online through SNB Online. Business name registrations for sole proprietorships and partnerships must be renewed every 5 years. To register a business name in New Brunswick: 1. Conduct name search ($13.80) 2. Complete registration through SNB Online 3. Pay $112 registration fee (includes Royal Gazette) 4. Receive certificate of business name 5. Renew every 5 years ($62) 6. Report any changes as required
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Partnership Registration ConditionalRequired for partnerships. Registration of partnerships. Register through Province of New Brunswick Corporate Registry or business services: 1. Conduct name search if applicable 2. Complete registration application 3. Submit required documents 4. Pay registration fees Contact Province of New Brunswick government services for specific requirements and fees. Annual reporting may be required.
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NB Corporation Registration ConditionalRequired if incorporating in New Brunswick. Incorporation under NB law. Register through Province of New Brunswick Corporate Registry or business services: 1. Conduct name search if applicable 2. Complete registration application 3. Submit required documents 4. Pay registration fees Contact Province of New Brunswick government services for specific requirements and fees. Annual reporting may be required.
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GST/HST Registration ConditionalRequired if annual taxable revenue exceeds $30,000 (small supplier threshold). Taxi/ride-share drivers must register regardless of revenue. Businesses with gross revenues over $30,000 in any single quarter or over four consecutive quarters must register for, collect, and remit GST/HST. Small suppliers (under $30,000) may register voluntarily. Register FREE online through Business Registration Online (BRO) when your revenue exceeds $30,000 in any 4 consecutive quarters (small supplier threshold). Takes 15-30 minutes. You MUST register within 29 days of exceeding threshold and start charging GST/HST immediately on the sale that made you exceed it. Need your BN (or get one simultaneously). As of Nov 3, 2025, online registration is mandatory. Voluntary registration available anytime for input tax credits.
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Payroll Deductions Registration ConditionalRequired if you pay salaries, wages, or other remuneration to employees. Must register before first pay period. Required if you have employees. You must withhold Canada Pension Plan (CPP), Employment Insurance (EI), and income tax from employee wages and remit to CRA. Register FREE online through Business Registration Online (BRO) when you hire your first employee. Takes 15-20 minutes. You'll need your Business Number (BN) or can get one simultaneously. Payroll account (RP) added to your BN instantly. Register BEFORE your first pay date. Required to deduct CPP, EI, and income tax from employee wages. For 2025: CPP rate 5.95%, EI employee rate $1.66/$100 insurable earnings.
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New Brunswick WorkSafeNB Employer Coverage ConditionalRequired if you have employees in New Brunswick. Employers in New Brunswick must register with WorkSafeNB (Workplace Health, Safety and Compensation Commission) and maintain coverage for workers. WorkSafeNB provides insurance coverage for workplace injuries and occupational diseases. Most employers are required to register, with limited exceptions. Registration must occur within 10 days of commencing business operations or hiring the first worker. Employers pay assessments based on their classification unit rate and assessable payroll. To register with WorkSafeNB: 1. Determine if you're in a mandatory industry with 3+ workers 2. Register with WorkSafeNB online or by phone 3. Report assessable payroll annually 4. Pay premiums based on industry rate ($1.18/100 avg 2024) 5. Maintain coverage and report workplace injuries 6. Experience rating affects rate (+80% to -40%)
Funding & Grants
Available funding programs that may apply to your continuing care retirement communities:
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The HIPP provided up to $200,000 over 9 months for Stage 1 proof-of-concept, with Stage 2 covering up to 75% of eligible expenses over up to 3 years (minimum 25% applicant cost-share). Eligible applicants included Alberta post-secondary institutions, government entities, health delivery agents, and for-profit or not-for-profit organizations. The program …
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SUAP provides contribution funding for a wide range of projects including substance use prevention, harm reduction, treatment, and recovery. Individual project awards have ranged from approximately $1.6 million to $6.3 million in recent announcements. Eligible recipients include not-for-profit health organizations, universities, Indigenous organizations, and other levels of government. For-profit organizations …
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CIHR Catalyst Grants are short-term seed grants (up to 1 year) designed as a first step toward larger, longer-term research projects. The Digital Health stream specifically targets early and mid-career researchers and Indigenous Health researchers working on digital health technologies. Application deadline: March 17, 2026. Total pool: $1,000,000 (approximately 10 …
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