Small and medium-sized enterprises (SMEs) are significant drivers of economic growth and employment within Canada's economy, accounting for 99.8 percent of all businesses and 90.2 percent of privately employed individuals. SMEs are also key drivers of job creation, accounting for 95.5 percent of all private jobs created from 2005 to 2015. On average, small businesses created about 100,000 net jobs each year over that period. One of the most significant determinants of commerc