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1. Increasing productivity

Development Capital

Investissement Québec

You could receive funding of $5 million or more in the form of a loan guarantee, a subordinate loan or equity participation for projects such as:

  • Share buybacksBusiness acquisition
  • Productivity improvement or growth (expansion, equipment upgrades)

All Quebec businesses are eligible, except for those working in the following sectors:

  • Agriculture
  • Finance and insurance
  • Real estate
  • Retail sales
  • Other sectors in which the client base is made up mainly of individuals, except for the tourism sector

Other conditions apply.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Financing program for cultural businesses

Société de développement des entreprises culturelles (SODEC)

You could get a term loan, credit, loan guarantee or equity investment to cover the operational, growth or rehabilitation costs of your cultural or communications business.

Your business must:

  • Have a head office located in Quebec
  • Have been engaged in commercial activities for at least one year or operate in a niche business with no known competition
  • Submit a financing project that demonstrates profitability
  • Have the resources needed to fulfill all your financial obligations

Other conditions apply.

Fonds d'investissement de la culture et des communications

Fonds d'investissement de la culture et des communications

Your cultural business could have access to financial products such as quasi-equity and equity. The minimum investment in a for-profit share capital business is $250,000 and $150,000 in a social economy business, to a maximum investment of $3,000,000.

Your business is eligible, if you:

  • Are dedicated to the creation, production and dissemination of cultural content
  • Provide technical or technological support services to content businesses
  • Have a product or service of outstanding quality and originality
  • Have a solid business plan that displays your current and future profitability

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Réseau des SADC et CAE (Network of CFDCs and CBDCs)

Canada Economic Development for Quebec Regions

The Réseau des SADC et CAE is a network of the Community Futures Development Corporations and the Business Development Corporations. These non-profit organizations can help you start or grow a business in your community. If you live in Quebec, the office in your area can offer:

  • Help with your business plan
  • Business counseling
  • Training
  • Loans or share capital ranging from $5,000 to $150,000, depending on the financing program

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

Solunov

Fonds de solidarité FTQ

You could access coaching services and financing — by way of a loan or equity investment — for an innovative project such as:

  • Improving a product or a business process
  • Adopting a marketing strategy
  • Implementing a new technology

Experts will assist you throughout your project, with:

  • Diagnostics and a business audit
  • Feasibility study and idea validation
  • Project integration and completion

You must demonstrate the market potential of your project.

Other conditions apply.

2. Buy or lease a plant, machinery or property

Development Capital

Investissement Québec

You could receive funding of $5 million or more in the form of a loan guarantee, a subordinate loan or equity participation for projects such as:

  • Share buybacksBusiness acquisition
  • Productivity improvement or growth (expansion, equipment upgrades)

All Quebec businesses are eligible, except for those working in the following sectors:

  • Agriculture
  • Finance and insurance
  • Real estate
  • Retail sales
  • Other sectors in which the client base is made up mainly of individuals, except for the tourism sector

Other conditions apply.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de solidarité FTQ

Fonds de solidarité FTQ

You could get up to $3 million in loans or equity financing for your merger, acquisition, expansion or new market development projects.

The FTQ considers criteria related to the success of each project, such as:

  • Economic viability of the business
  • Economic spin-offs for jobs
  • Knowledge and experience of stakeholders
  • Appreciation of workers
  • Participation of other financial partners

Other conditions apply.

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

3. Increase my working capital

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Financing program for cultural businesses

Société de développement des entreprises culturelles (SODEC)

You could get a term loan, credit, loan guarantee or equity investment to cover the operational, growth or rehabilitation costs of your cultural or communications business.

Your business must:

  • Have a head office located in Quebec
  • Have been engaged in commercial activities for at least one year or operate in a niche business with no known competition
  • Submit a financing project that demonstrates profitability
  • Have the resources needed to fulfill all your financial obligations

Other conditions apply.

Fonds d'aide à l'économie de Lac-Mégantic

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance for eligible projects or activities carried out within the town of Lac-Mégantic, such as:

  • Assessment projects
  • Market development
  • Hiring strategic personnel
  • Business start-ups supporting economic and tourism development
  • Installation or improvement of public infrastructures

The fund will contribute up to:

  • 90% for studies
  • 80% for other activities and projects

Eligible support projects must follow sustainable development principles.

Other conditions apply.

Fonds d'investissement de la culture et des communications

Fonds d'investissement de la culture et des communications

Your cultural business could have access to financial products such as quasi-equity and equity. The minimum investment in a for-profit share capital business is $250,000 and $150,000 in a social economy business, to a maximum investment of $3,000,000.

Your business is eligible, if you:

  • Are dedicated to the creation, production and dissemination of cultural content
  • Provide technical or technological support services to content businesses
  • Have a product or service of outstanding quality and originality
  • Have a solid business plan that displays your current and future profitability

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de solidarité FTQ

Fonds de solidarité FTQ

You could get up to $3 million in loans or equity financing for your merger, acquisition, expansion or new market development projects.

The FTQ considers criteria related to the success of each project, such as:

  • Economic viability of the business
  • Economic spin-offs for jobs
  • Knowledge and experience of stakeholders
  • Appreciation of workers
  • Participation of other financial partners

Other conditions apply.

Réseau des SADC et CAE (Network of CFDCs and CBDCs)

Canada Economic Development for Quebec Regions

The Réseau des SADC et CAE is a network of the Community Futures Development Corporations and the Business Development Corporations. These non-profit organizations can help you start or grow a business in your community. If you live in Quebec, the office in your area can offer:

  • Help with your business plan
  • Business counseling
  • Training
  • Loans or share capital ranging from $5,000 to $150,000, depending on the financing program

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

4. Increase sales in Canada

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Fonds de solidarité FTQ

Fonds de solidarité FTQ

You could get up to $3 million in loans or equity financing for your merger, acquisition, expansion or new market development projects.

The FTQ considers criteria related to the success of each project, such as:

  • Economic viability of the business
  • Economic spin-offs for jobs
  • Knowledge and experience of stakeholders
  • Appreciation of workers
  • Participation of other financial partners

Other conditions apply.

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

5. Commercialization

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Capital Intelligent Mtl

PME MTL

Do you have a start-up or growing business that provides urban innovations that help make Montreal a leader as a smart, digital city? If so, you could qualify for private equity ranging from $150,000 to $5 million.

Your project must:

  • Expect to create jobs in Montreal
  • Contribute to Montreal's international reputation and appeal

Other conditions apply.

Development of Québec Intellectual Property in the Video Game Industry

Investissement Québec

If you intend to develop, commercialize and operate a video game project in Quebec, you could receive funding ranging from $175,000 to $3 million per project, to a maximum of $5 million per business.

You must:

  • Have your head office and principal place of business in Quebec
  • Hold the intellectual property for the product
  • Incur most of eligible expenditures in Quebec
  • Intend on marketing and distributing on a global scale
  • Have completed the pre-production stage.

Other conditions apply.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Financing program for cultural businesses

Société de développement des entreprises culturelles (SODEC)

You could get a term loan, credit, loan guarantee or equity investment to cover the operational, growth or rehabilitation costs of your cultural or communications business.

Your business must:

  • Have a head office located in Quebec
  • Have been engaged in commercial activities for at least one year or operate in a niche business with no known competition
  • Submit a financing project that demonstrates profitability
  • Have the resources needed to fulfill all your financial obligations

Other conditions apply.

Fonds d'aide à l'économie de Lac-Mégantic

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance for eligible projects or activities carried out within the town of Lac-Mégantic, such as:

  • Assessment projects
  • Market development
  • Hiring strategic personnel
  • Business start-ups supporting economic and tourism development
  • Installation or improvement of public infrastructures

The fund will contribute up to:

  • 90% for studies
  • 80% for other activities and projects

Eligible support projects must follow sustainable development principles.

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de solidarité FTQ

Fonds de solidarité FTQ

You could get up to $3 million in loans or equity financing for your merger, acquisition, expansion or new market development projects.

The FTQ considers criteria related to the success of each project, such as:

  • Economic viability of the business
  • Economic spin-offs for jobs
  • Knowledge and experience of stakeholders
  • Appreciation of workers
  • Participation of other financial partners

Other conditions apply.

Fonds Innovexport

Le Fonds Innovexport

You could receive up to $3 million in funding for an innovative project that aims to export products or services that meet a market need.

You must:

  • Have a corporate structure that is conducive to investment
  • Have a realistic goal of profitability
  • Be supported by an incubator, accelerator, or expert panel

Businesses in the following industries are NOT eligible for the program:

  • Agriculture, forestry, and mining operations (except applied technologies)
  • Biotechnology, construction, property management, and retail

Other conditions apply.

Programme BioMed Propulsion

Investissement Québec

Your life science business, specifically in the fields of human or animal health or medical biotechnology, could benefit from an equity loan of up to $10 million to help it commercialize the results of its research.

The business must:

  • Secure new capital from private investors in the form of shares representing three times the amount of financial assistance requested
  • Have its head office and the majority of positions in Quebec.

Other conditions apply.

Réseau des SADC et CAE (Network of CFDCs and CBDCs)

Canada Economic Development for Quebec Regions

The Réseau des SADC et CAE is a network of the Community Futures Development Corporations and the Business Development Corporations. These non-profit organizations can help you start or grow a business in your community. If you live in Quebec, the office in your area can offer:

  • Help with your business plan
  • Business counseling
  • Training
  • Loans or share capital ranging from $5,000 to $150,000, depending on the financing program

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

6. Start or buy a business

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Development Capital

Investissement Québec

You could receive funding of $5 million or more in the form of a loan guarantee, a subordinate loan or equity participation for projects such as:

  • Share buybacksBusiness acquisition
  • Productivity improvement or growth (expansion, equipment upgrades)

All Quebec businesses are eligible, except for those working in the following sectors:

  • Agriculture
  • Finance and insurance
  • Real estate
  • Retail sales
  • Other sectors in which the client base is made up mainly of individuals, except for the tourism sector

Other conditions apply.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Fonds d'aide à l'économie de Lac-Mégantic

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance for eligible projects or activities carried out within the town of Lac-Mégantic, such as:

  • Assessment projects
  • Market development
  • Hiring strategic personnel
  • Business start-ups supporting economic and tourism development
  • Installation or improvement of public infrastructures

The fund will contribute up to:

  • 90% for studies
  • 80% for other activities and projects

Eligible support projects must follow sustainable development principles.

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Réseau des SADC et CAE (Network of CFDCs and CBDCs)

Canada Economic Development for Quebec Regions

The Réseau des SADC et CAE is a network of the Community Futures Development Corporations and the Business Development Corporations. These non-profit organizations can help you start or grow a business in your community. If you live in Quebec, the office in your area can offer:

  • Help with your business plan
  • Business counseling
  • Training
  • Loans or share capital ranging from $5,000 to $150,000, depending on the financing program

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

7. Hire or train employees

Fonds d'aide à l'économie de Lac-Mégantic

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance for eligible projects or activities carried out within the town of Lac-Mégantic, such as:

  • Assessment projects
  • Market development
  • Hiring strategic personnel
  • Business start-ups supporting economic and tourism development
  • Installation or improvement of public infrastructures

The fund will contribute up to:

  • 90% for studies
  • 80% for other activities and projects

Eligible support projects must follow sustainable development principles.

Other conditions apply.

Réseau des SADC et CAE (Network of CFDCs and CBDCs)

Canada Economic Development for Quebec Regions

The Réseau des SADC et CAE is a network of the Community Futures Development Corporations and the Business Development Corporations. These non-profit organizations can help you start or grow a business in your community. If you live in Quebec, the office in your area can offer:

  • Help with your business plan
  • Business counseling
  • Training
  • Loans or share capital ranging from $5,000 to $150,000, depending on the financing program

8. To export my products or services

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Fonds de solidarité FTQ

Fonds de solidarité FTQ

You could get up to $3 million in loans or equity financing for your merger, acquisition, expansion or new market development projects.

The FTQ considers criteria related to the success of each project, such as:

  • Economic viability of the business
  • Economic spin-offs for jobs
  • Knowledge and experience of stakeholders
  • Appreciation of workers
  • Participation of other financial partners

Other conditions apply.

Fonds Innovexport

Le Fonds Innovexport

You could receive up to $3 million in funding for an innovative project that aims to export products or services that meet a market need.

You must:

  • Have a corporate structure that is conducive to investment
  • Have a realistic goal of profitability
  • Be supported by an incubator, accelerator, or expert panel

Businesses in the following industries are NOT eligible for the program:

  • Agriculture, forestry, and mining operations (except applied technologies)
  • Biotechnology, construction, property management, and retail

Other conditions apply.

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

9. Get a patent, license, or apply a new technology

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Financing for collective entrepreneurship

Investissement Québec

Your cooperative or non-profit organization could receive a minimum funding of $50,000 in loans, loan guarantees, or equity investment of up to 100% of the cost of projects such as:

  • Building acquisition or modernization
  • Purchase of machinery or equipment
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

The organization must engage in commercial activities.

Other conditions apply.

Fonds Innovexport

Le Fonds Innovexport

You could receive up to $3 million in funding for an innovative project that aims to export products or services that meet a market need.

You must:

  • Have a corporate structure that is conducive to investment
  • Have a realistic goal of profitability
  • Be supported by an incubator, accelerator, or expert panel

Businesses in the following industries are NOT eligible for the program:

  • Agriculture, forestry, and mining operations (except applied technologies)
  • Biotechnology, construction, property management, and retail

Other conditions apply.

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

Solunov

Fonds de solidarité FTQ

You could access coaching services and financing — by way of a loan or equity investment — for an innovative project such as:

  • Improving a product or a business process
  • Adopting a marketing strategy
  • Implementing a new technology

Experts will assist you throughout your project, with:

  • Diagnostics and a business audit
  • Feasibility study and idea validation
  • Project integration and completion

You must demonstrate the market potential of your project.

Other conditions apply.

10. Research, develop or commercialize a new product/idea

BDC Capital

Business Development Bank of Canada

Access a wide range of specialized financing to match the various stages of growth of your business, such as:

  • Transforming your ideas into a business
  • Growth initiatives such as R&D, and product and market development
  • Buying or transferring a business, including family successions, management and partner buyouts, and management buy-ins

Options include:

  • Venture capital
  • Growth and Transition Capital
  • Growth equity

Terms and conditions may be tailored to meet your unique needs.

Capital Intelligent Mtl

PME MTL

Do you have a start-up or growing business that provides urban innovations that help make Montreal a leader as a smart, digital city? If so, you could qualify for private equity ranging from $150,000 to $5 million.

Your project must:

  • Expect to create jobs in Montreal
  • Contribute to Montreal's international reputation and appeal

Other conditions apply.

Development of Québec Intellectual Property in the Video Game Industry

Investissement Québec

If you intend to develop, commercialize and operate a video game project in Quebec, you could receive funding ranging from $175,000 to $3 million per project, to a maximum of $5 million per business.

You must:

  • Have your head office and principal place of business in Quebec
  • Hold the intellectual property for the product
  • Incur most of eligible expenditures in Quebec
  • Intend on marketing and distributing on a global scale
  • Have completed the pre-production stage.

Other conditions apply.

Femmessor — Réussir en affaires

Femmessor

Are you a woman who owns at least 25% of the shares of a business? If so, you could get assistance with a project relating to the start-up, expansion, consolidation, growth, or acquisition of a business, such as:

  • A conventional loan ($20,000 to $150,000) or capital stock (up to $250,000)
  • Customized training, workshops and seminars to perfect your skills
  • Individual coaching services or mentoring
  • Networking activities to develop your network of relationships

Your project must be cost-effective and economically viable.

Other conditions apply.

Fonds de diversification économique de la MRC des Appalaches

Innovation, Science and Economic Development Canada

Your business could be eligible for financial assistance if you are starting or growing a manufacturing, primary, tertiary (value-added services) or tourism business in the Des Appalaches MRC.

Support will mainly be provided in the form of a

  • Repayable contribution (loan with interest, interest-free loan, equity investment);
  • Loan guarantee of up to 70% of net loss;
  • Non-repayable contribution.

The amount of financing can reach 25% of the total cost for investment projects, and 50% for other types of projects. A minimum investment of 10% of the total project cost is required.

Other conditions apply.

Fonds de diversification économique du Centre-du-Québec et de la Mauricie

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance if you are located in the Centre-du-Québec and Mauricie regions, and are carrying out a business development project in the industries of manufacturing, primary, tertiary or tourism.

Support is primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie, de la Science et de l'Innovation

You could get financial assistance, if you are carrying out a start-up or business development project in the manufacturing, value added tertiary sector or tourism industry in the Regional County Municipality of Des Sources.

Support will be primarily in the form of a:

  • Repayable contribution (interest-bearing or interest-free loan, equity participation)
  • Loan guarantee of up to 70% of net loss
  • Non-refundable contribution

You may receive up to 25% of the total costs for investment projects and up to 50% for other projects. An investment of at least 10% of the total cost will be required.

Other conditions apply.

Fonds Innovexport

Le Fonds Innovexport

You could receive up to $3 million in funding for an innovative project that aims to export products or services that meet a market need.

You must:

  • Have a corporate structure that is conducive to investment
  • Have a realistic goal of profitability
  • Be supported by an incubator, accelerator, or expert panel

Businesses in the following industries are NOT eligible for the program:

  • Agriculture, forestry, and mining operations (except applied technologies)
  • Biotechnology, construction, property management, and retail

Other conditions apply.

Programme BioMed Propulsion

Investissement Québec

Your life science business, specifically in the fields of human or animal health or medical biotechnology, could benefit from an equity loan of up to $10 million to help it commercialize the results of its research.

The business must:

  • Secure new capital from private investors in the form of shares representing three times the amount of financial assistance requested
  • Have its head office and the majority of positions in Quebec.

Other conditions apply.

SMBs and Large Corporations — Project Financing

Investissement Québec

You may be eligible for a loan, a loan guarantee, or funding in "quasi-equity" of $50,000 or more for business projects such as:

  • Purchase of machinery and equipment
  • Building modernization
  • Business succession, transfer, or acquisition
  • Increase in working capital
  • Trademarks acquisition
  • Export
  • Innovation
  • Commercialization

The maximum duration of funding is 25 years. Agricultural sectors, finance, real estate and retail are excluded.

Other conditions apply.

Solunov

Fonds de solidarité FTQ

You could access coaching services and financing — by way of a loan or equity investment — for an innovative project such as:

  • Improving a product or a business process
  • Adopting a marketing strategy
  • Implementing a new technology

Experts will assist you throughout your project, with:

  • Diagnostics and a business audit
  • Feasibility study and idea validation
  • Project integration and completion

You must demonstrate the market potential of your project.

Other conditions apply.

11. Selling or closing a business

Business succession

Fonds de solidarité FTQ

If you plan to buy or sell a financially sound business, you could receive an investment in capital stock or an unsecured loan.

You will have to:

  • Have a realistic business plan
  • Create and maintain sustainable jobs
  • Have a competent team with business experience
  • Be open to investors, alliances and partnerships
  • Have a good market outlook
  • Be profitable and competitive

In addition, the funds can be used to help you develop your strategic plan or for participative management.

Other conditions apply.

12. Other resources

You can also consult our other directories of financing programs.

You could also avail yourself of non-financial resources to succeed in your business venture.

For any inquiries, please contact our information agents.

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