Directory – Loan garantees

Canada Small Business Financing Program

Innovation, Science and Economic Development Canada

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

• Purchase or improve land or buildings
• Purchase leasehold improvements or improve leased property
• Purchase new or used equipment

Eligible small businesses should have annual gross revenues of no more than $10 million.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. Find a lender near you.

Learn more

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.

Learn more

ESSOR — Forestry Business Component

Investissement Québec

You could get a loan guarantee covering a loan of up to $1,000,000 from your lender. The guarantee can cover up to 80% of a net loss, up to  a maximum of $300,000.

Your commercial forest management activities must involve:

• Harvesting wood (felling, hauling and sawing)
• Loading, transporting and unloading wood at a plant
• Carrying out silvicultural work

Projects must target the acquisition or replacement of forestry equipment and enhance the equipment's performance and effectiveness.

Other conditions apply.

Learn more Find contacts (in French only)

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts

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.

Learn more

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.

Learn more (in French only)

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

FONDS MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $50,000 to $500,000 to start your own business or fund a project for your business that has been in operation for less than 5 years.

To be eligible, you must:

• Be 18 years of age or older and a member of a cultural community
• Provide a business plan for your for-profit project
• Submit your financial forecasts or statements
• Demonstrate training or experience relevant to the project

Other conditions apply.

Learn more (in French only) Find contacts (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Canada Small Business Financing Program

Innovation, Science and Economic Development Canada

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

• Purchase or improve land or buildings
• Purchase leasehold improvements or improve leased property
• Purchase new or used equipment

Eligible small businesses should have annual gross revenues of no more than $10 million.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. Find a lender near you.

Learn more

Canadian Agricultural Loans Act program

Agriculture and Agri-Food Canada

If you are an agricultural producer, this program could help you get a loan from a bank, a credit union or a caisse populaire.

Eligibility:

• Existing farmers
• Beginning or start-up farmers
• Farmers taking over the family farm
• Agricultural co-operatives

Loans are limited to a maximum of:

• $500,000 for land and construction
• $350,000 for all other loan purposes

Apply directly through your lending institution.

Other conditions apply.

Learn more

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.

Learn more

EDC Direct Lending

Export Development Canada

You may apply for a secured loan for your international expansion plans or for your foreign affiliate.

A direct loan can support:

• Financing of equipment or facilities
• Establishment or expansion of a foreign affiliate

EDC lending support is priced based on the level of risk and the market involved.

Other conditions apply.

Learn more

ESSOR — Forestry Business Component

Investissement Québec

You could get a loan guarantee covering a loan of up to $1,000,000 from your lender. The guarantee can cover up to 80% of a net loss, up to  a maximum of $300,000.

Your commercial forest management activities must involve:

• Harvesting wood (felling, hauling and sawing)
• Loading, transporting and unloading wood at a plant
• Carrying out silvicultural work

Projects must target the acquisition or replacement of forestry equipment and enhance the equipment's performance and effectiveness.

Other conditions apply.

Learn more Find contacts (in French only)

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts

Financial support for fishing businesses

Ministère de l'Agriculture, des Pêcheries et de l'Alimentation du Québec

Do you own a fishing business? If so, you could be eligible for a loan guarantee for projects such as:

• Acquisition, construction, or repair of commercial fishing boats
• Acquisition of commercial fishing quotas and licences
• Purchase of electronic, mechanical, and hydraulic boat components
• Debt consolidation

You must demonstrate:

• that you are able to meet your financial obligations;
• that you have the human and material resources required.

Other conditions apply.

Learn more (in French only) Find contacts (in French only)

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.

Learn more

Fonds afro-entrepreneurs — Loans to Afro-Québécois businesspeople

Filaction

Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee of $50,000 to $500,000 to:

• Start up or expand your business
• Purchase equipment
• Meet your cash flow needs
• Increase your working capital

Your business must have been in existence for no more than 5 years or be in the process of starting up.

Other conditions apply.

Learn more Find contacts

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

FONDS MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $50,000 to $500,000 to start your own business or fund a project for your business that has been in operation for less than 5 years.

To be eligible, you must:

• Be 18 years of age or older and a member of a cultural community
• Provide a business plan for your for-profit project
• Submit your financial forecasts or statements
• Demonstrate training or experience relevant to the project

Other conditions apply.

Learn more (in French only) Find contacts (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Business assistance – Temporary support for working capital – COVID-19

Société de développement des entreprises culturelles (SODEC)

SODEC is offering financial assistance in the form of revolving credit, a term loan or a loan guarantee of between $10,000 and $2,000,000.

Main eligibility criteria for the company:

• Have its head office in Quebec and demonstrate that it is primarily controlled by people whose tax residence is in Quebec.
• Have been in operation for at least one year.
• Be experiencing uncertainty and temporary difficulties due to COVID-19.
• Demonstrate that the company’s financial structure has good potential for profitability.

Conditions apply.

Learn more (in French only)

EDC Direct Lending

Export Development Canada

You may apply for a secured loan for your international expansion plans or for your foreign affiliate.

A direct loan can support:

• Financing of equipment or facilities
• Establishment or expansion of a foreign affiliate

EDC lending support is priced based on the level of risk and the market involved.

Other conditions apply.

Learn more

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.

Learn more

Financing of Refundable Tax Credits

Investissement Québec

Is your business eligible for a refundable tax credit?

You could qualify for a loan of up to 100% of your refundable tax credit.

You could also benefit from a loan guarantee lasting up to 18 months:

• Coverage of up to 80% of your net loss
• A minimum of $50,000 for a refundable tax credit for scientific research and experimental development and $20,000 for other tax credits

Other conditions apply.

Learn more Find contacts (in French only)

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.

Learn more (in French only)

Fonds afro-entrepreneurs — Loans to Afro-Québécois businesspeople

Filaction

Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee of $50,000 to $500,000 to:

• Start up or expand your business
• Purchase equipment
• Meet your cash flow needs
• Increase your working capital

Your business must have been in existence for no more than 5 years or be in the process of starting up.

Other conditions apply.

Learn more Find contacts

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

Ministère de l'Économie 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.

Learn more (in French only)

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

FONDS MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $50,000 to $500,000 to start your own business or fund a project for your business that has been in operation for less than 5 years.

To be eligible, you must:

• Be 18 years of age or older and a member of a cultural community
• Provide a business plan for your for-profit project
• Submit your financial forecasts or statements
• Demonstrate training or experience relevant to the project

Other conditions apply.

Learn more (in French only) Find contacts (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

PADAT: A Program Supporting the Development of Tourist Attractions

Investissement Québec

You could qualify for a loan or loan guarantee covering up to 60% of eligible costs for projects that contribute to the development of potential regional attractions such as:

• Diversification of tourism offerings related to culture, events, winter activities, nature and adventure, business and conventions
• Development of the gateways to Quebec City, Montreal, the Outaouais region, and the St. Lawrence River.

Projects related to accommodations, retail trade, restaurant, and gambling are not eligible.

Other conditions apply.

Learn more Find contacts (in French only)

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.

Learn more Find contacts (in French only)

PADAT: A Program Supporting the Development of Tourist Attractions

Investissement Québec

You could qualify for a loan or loan guarantee covering up to 60% of eligible costs for projects that contribute to the development of potential regional attractions such as:

• Diversification of tourism offerings related to culture, events, winter activities, nature and adventure, business and conventions
• Development of the gateways to Quebec City, Montreal, the Outaouais region, and the St. Lawrence River.

Projects related to accommodations, retail trade, restaurant, and gambling are not eligible.

Other conditions apply.

Learn more Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Concerted Temporary Action Program for Businesses (CTAPB)

Ministère de l'Économie et de l'Innovation

Eligible businesses, including cooperatives, non-profit organizations and social economy businesses engaged in commercial activities, could benefit from financial support of at least $50,000 in a loan and loan guarantee to make up for cash flow shortages related to COVID-19 due to:

• a supply problem for raw materials or products;
• the inability to deliver or a reduction in delivery capacity for products and services.

The main terms and processes for receiving this aid are presented on the Investissement Québec website.

Eligible companies that want more information or to avail themselves of this funding can call 1 844 474-6367 or the phone number for their regional office.

Some conditions apply.

Learn more (in French only)

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.

Learn more

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.

Learn more (in French only)

Fonds afro-entrepreneurs — Loans to Afro-Québécois businesspeople

Filaction

Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee of $50,000 to $500,000 to:

• Start up or expand your business
• Purchase equipment
• Meet your cash flow needs
• Increase your working capital

Your business must have been in existence for no more than 5 years or be in the process of starting up.

Other conditions apply.

Learn more Find contacts

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

Ministère de l'Économie 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.

Learn more (in French only)

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Canada Small Business Financing Program

Innovation, Science and Economic Development Canada

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

• Purchase or improve land or buildings
• Purchase leasehold improvements or improve leased property
• Purchase new or used equipment

Eligible small businesses should have annual gross revenues of no more than $10 million.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. Find a lender near you.

Learn more

Canadian Agricultural Loans Act program

Agriculture and Agri-Food Canada

If you are an agricultural producer, this program could help you get a loan from a bank, a credit union or a caisse populaire.

Eligibility:

• Existing farmers
• Beginning or start-up farmers
• Farmers taking over the family farm
• Agricultural co-operatives

Loans are limited to a maximum of:

• $500,000 for land and construction
• $350,000 for all other loan purposes

Apply directly through your lending institution.

Other conditions apply.

Learn more

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.

Learn more

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts

Fonds afro-entrepreneurs — Loans to Afro-Québécois businesspeople

Filaction

Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee of $50,000 to $500,000 to:

• Start up or expand your business
• Purchase equipment
• Meet your cash flow needs
• Increase your working capital

Your business must have been in existence for no more than 5 years or be in the process of starting up.

Other conditions apply.

Learn more Find contacts

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

Ministère de l'Économie 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.

Learn more (in French only)

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

FONDS MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $50,000 to $500,000 to start your own business or fund a project for your business that has been in operation for less than 5 years.

To be eligible, you must:

• Be 18 years of age or older and a member of a cultural community
• Provide a business plan for your for-profit project
• Submit your financial forecasts or statements
• Demonstrate training or experience relevant to the project

Other conditions apply.

Learn more (in French only) Find contacts (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Société d’Investissement Jeunesse Loan Program

Société d’Investissement Jeunesse

You could receive a loan of up to $150,000 to develop your business.

The financial aid is available to entrepreneurs aged 18 to 40 with an innovative technology business operating in Quebec.

The program has three (3) components:

• Start-ups and spin-offs;
• Acquisitions;
• Associations.

Eligibility criteria depend on the program component. However, a mentor or advisory committee is required.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Buyer Financing

Export Development Canada

EDC provides financing options to your international customers and protects you from the risk of non-payment.

How it works:

• You provide EDC with your export contract and credit information on your foreign buyer
• Once approved, EDC issues a loan agreement to your buyer
• EDC collects payment from the buyer, administers loans and makes the payment to you

Learn more Find contacts

EDC Direct Lending

Export Development Canada

You may apply for a secured loan for your international expansion plans or for your foreign affiliate.

A direct loan can support:

• Financing of equipment or facilities
• Establishment or expansion of a foreign affiliate

EDC lending support is priced based on the level of risk and the market involved.

Other conditions apply.

Learn more

Export Guarantee Program

Export Development Canada

You could get the working capital you need for export-related activities. By establishing a credit arrangement with your financial institution, the risk and security is then shared.

The program provides:

• Sufficient cash flow for business or capital expenses
• Financing to expand sales into new markets, buy equipment
• Support for international investment

Costs are based on the associated risks, the duration of the contract and the amount of financing required.

Other conditions apply.

Learn more Find contacts

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.

Learn more

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.

Learn more Find contacts (in French only)

Canada Small Business Financing Program

Innovation, Science and Economic Development Canada

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

• Purchase or improve land or buildings
• Purchase leasehold improvements or improve leased property
• Purchase new or used equipment

Eligible small businesses should have annual gross revenues of no more than $10 million.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. Find a lender near you.

Learn more

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts

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.

Learn more

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts

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.

Learn more (in French only) Find contacts (in French only)

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

Ministère de l'Économie 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.

Learn more (in French only)

Fonds de diversification économique — MRC des Sources

Ministère de l'Économie 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.

Learn more (in French only)

Local investment fund (LIF)

Ministère de l'Économie et de l'Innovation

WARNING! 

A SIX-MONTH MORATORY HAS BEEN ESTABLISHED FOR THE REPAYMENT (CAPITAL AND INTEREST) OF THE LOANS ALREADY GRANTED BY THE INTERMEDIARY OF THE FLI. 

If you are starting or expanding a business, you could be eligible for financing in the form of various types of loans or loan guarantees.

Loans can cover eligible expenses such as:

• Capital expenditures
• Technology acquisition
• Working capital for operations

You could get an interest-free loan to help you acquire at least 25% of an existing rural business that you plan to take over.

Learn more (in French only) Find contacts (in French only)

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.

Learn more Find contacts (in French only)

Canada Small Business Financing Program

Innovation, Science and Economic Development Canada

This program could help you secure up to $1 million from a financial institution by sharing the risk with your lender.

The loans can be used to:

• Purchase or improve land or buildings
• Purchase leasehold improvements or improve leased property
• Purchase new or used equipment

Eligible small businesses should have annual gross revenues of no more than $10 million.

Discuss your business needs with a financial officer at any bank, caisse populaire, or credit union in Canada. Find a lender near you.

Learn more

ESSOR — Forestry Business Component

Investissement Québec

You could get a loan guarantee covering a loan of up to $1,000,000 from your lender. The guarantee can cover up to 80% of a net loss, up to  a maximum of $300,000.

Your commercial forest management activities must involve:

• Harvesting wood (felling, hauling and sawing)
• Loading, transporting and unloading wood at a plant
• Carrying out silvicultural work

Projects must target the acquisition or replacement of forestry equipment and enhance the equipment's performance and effectiveness.

Other conditions apply.

Learn more Find contacts (in French only)

ESSOR — Funding support for development projects

Ministère de l'Économie et de l'Innovation

Is your business involved in manufacturing, software publishing, research, environmental services, or tourism? If so, you could get a loan guarantee covering up to 70% of a net loss for investments or a loan covering up to 50% of the cost of your growth projects, such as:

• Business creation
• Business expansion or modernization

The project must help maintain or create jobs.

Other conditions apply.

Learn more Find contacts