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Directory – Loans and cash advances

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1. Increasing productivity

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Technology financing — Information and communications technology loan

Business Development Bank of Canada

Do you need financing to update your technology projects? You could get a loan to buy or update your information and communications technology while preserving your short-term working capital. With this funding you could invest in:

  • Hardware (servers, network, computers, and accessories)
  • Software (human resources, supply chain, finance, and accounting)
  • Advisory services (IT planning, strategy, security, online sales, Internet marketing, social media)

Other conditions apply.

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.

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.

ESSOR Program — Funding support for development projects

Ministère de l'Économie, de la Science 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.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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 for sustainable agri-food businesses

Fondaction

You could benefit from financing and support for projects designed to grow and develop your agribusiness through innovation

To be eligible, you must:

  • Demonstrate the skills and experience of your management team
  • Ensure that the majority of jobs are created in Quebec
  • Establish the sustainability and profitability of the project
  • Illustrate the potential for social and environmental benefits

You could benefit from:

  • Progressive repayment schedules based on the implementation of your business plan
  • Diagnostics
  • Matchmaking-coaching meetings
  • Financial advice

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 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 MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $5,000 to $25,000 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.

Le Fonds ADM / 375 idées

Jeune Chambre de commerce de Montréal (JCCM)

Are you a Montreal entrepreneur aged 18 to 40? If so, you can receive a $3,750 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident;
  • Have your head office in Montreal;
  • Have met 100% of your crowdfunding objective of at least $3,750 on Quebec's La Ruche platform since January 1, 2017;
  • Demonstrate your project's viability and profit potential.

Other conditions apply.

Local investment fund

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

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.

Program to Support Diversification and Regional Development

La Financière agricole

If you own an agricultural business and want to increase your productivity or diversify your products, you could be refunded the interest on loan capital, up to $200,000. The maximum contribution amount available is $15,000 per business.

There are four components to the program:

  • Diversification support
  • Land improvement support
  • Support for greenhouse operations
  • Support for milk-fed calf operations

The following aspects will be assessed for all projects submitted:

  • Profitability and potential for growth
  • Market
  • Technical feasibility
  • Compliance with the laws and regulations

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

2. Buy or lease a plant, machinery or property

BDC business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

BDC Commercial real estate financing

Business Development Bank of Canada

Do you need larger, more modern facilities for your business? You can apply for a long-term loan with flexible terms to help with the costs of commercial real estate.

You could use the loan to:

  • Buy land and buildings
  • Construct new premises
  • Expand or renovate existing premises

You could also use the loan to help replace the working capital that you have spent on your commercial real estate.

BDC Equipment purchase financing

Business Development Bank of Canada

You could get a loan to purchase new or used equipment for your business. Depending on your business needs, BDC offers you two options to choose from:

Equipment loan: Gives you the money you need to finance your equipment right away with interest-only payments for up to 24 months at the start of the loan, followed by a repayment period of up to 12 years.

Equipment line: Using your pre-approved amount, you have the flexibility to make equipment purchases over a 12-month period with guaranteed terms and conditions.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Start-up financing

Business Development Bank of Canada

Do you need a loan to start or buy a business, or to pay for property and equipment to set up your business? Financing may be available to entrepreneurs who demonstrate:

  • Market and sales potential
  • Competence in the management team
  • Investment in their business
  • Expertise in a chosen field

Other conditions apply.

BDC Technology financing — Information and communications technology loan

Business Development Bank of Canada

Do you need financing to update your technology projects? You could get a loan to buy or update your information and communications technology while preserving your short-term working capital. With this funding you could invest in:

  • Hardware (servers, network, computers, and accessories)
  • Software (human resources, supply chain, finance, and accounting)
  • Advisory services (IT planning, strategy, security, online sales, Internet marketing, social media)

Other conditions apply.

BDC Wholesale financing

Business Development Bank of Canada

If you operate a small or medium-size finance or leasing company that extends financing for vehicles and/or commercial equipment to your customers, you could access expanded funding options to help you:

  • Respond to business and consumer demand
  • Increase the availability of credit that you can extend to your customers

The funding is provided on commercial terms and on a match-funded basis.

The program is jointly administered and financed by the BDC and TAO Asset Management.

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.

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.

Chantier de l'économie sociale Trust

Réseau d'investissement social du Québec (RISQ)

Your social economy business, non-profit organization or cooperative could get a loan with a 15-year capital repayment moratorium. Trust funding ranges from $50,000 to $1,500,000 and can cover up to 35% of eligible expenses.

You could fund:

  • working capital-related costs
  • launch of new products
  • equipment purchases
  • acquisition, construction or renovation of a building

Your business must have fewer than 200 employees.

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

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.

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.

ESSOR Program — Funding support for development projects

Ministère de l'Économie, de la Science 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.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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 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 $5,000 to $25,000 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.

Fonds d'investissement en agroalimentaire Nicolet-Yamaska

Service de développement économique de la MRC de Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

Other conditions apply.

Fonds d'investissement pour la relève agricole

Fonds d'investissement pour la relève agricole

If you are an agricultural entrepreneur or on your way to becoming one, you could be eligible to receive assistance including:

  • a down payment loan of up to $250,000 to be used, for example, to purchase equipment, buildings, agricultural land, quotas, or an entire farm;
  • the lease of land with option to repurchase at market value or with inflation protection of an annual maximum rate of 3.5%.

To be eligible, you must:

  • be between 18 and 39 years old;
  • have completed a recognized training/educational program;
  • hold at least 20% of the business's shares.

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 MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $5,000 to $25,000 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.

Fonds Tourisme PME

Tourisme Québec

You could receive up to $250,000 in funding for your for-profit or social economy (not-for-profit or cooperative) business in the tourism sector.

The loan could be used to:

  • Finance facilities and equipment
  • Increase working capital

You must meet the following criteria:

  • Not be in a recovery process
  • Have a down payment of between 15% and 25% of the total cost of the project
  • Have relevant experience in the field
  • Demonstrate the potential for long-term sustainability of the project

Other conditions apply.

Forestry Financing

La Financière agricole

If you are planning to manage a private wooded area of at least 60 hectares, you could receive a loan of up to $750,000 for projects such as:

  • Purchase of woodlots or forestry operations
  • Acquisition of machinery and equipment
  • Construction or renovation of buildings
  • Management of forestry work
  • Purchase or buy-back of shares

You must :

  • Be at least 18 years of age
  • Hold a forest  producer certificate or be in the process of obtaining one
  • Present a potentially profitable project

Other conditions apply.

Local investment fund

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

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.

PME MTL Fund

PME MTL

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

Other conditions apply.

Program to Support Diversification and Regional Development

La Financière agricole

If you own an agricultural business and want to increase your productivity or diversify your products, you could be refunded the interest on loan capital, up to $200,000. The maximum contribution amount available is $15,000 per business.

There are four components to the program:

  • Diversification support
  • Land improvement support
  • Support for greenhouse operations
  • Support for milk-fed calf operations

The following aspects will be assessed for all projects submitted:

  • Profitability and potential for growth
  • Market
  • Technical feasibility
  • Compliance with the laws and regulations

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

3. Increase my working capital

Advance Payments Program

Agriculture and Agri-Food Canada

Are you a farmer looking to meet your financial obligations?

You could access up to $400,000 in cash advances per program year based on up to 50% of the value of agricultural product(s) you are producing. The first $100,000 is interest-free.

You must repay the advance within 18 months (up to 24 months for cattle and bison), as you sell the agricultural product.

The cash advances are available through more than 40 third-party producer organizations across Canada.

Other conditions apply.

BDC business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

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.

BDC Commercial real estate financing

Business Development Bank of Canada

Do you need larger, more modern facilities for your business? You can apply for a long-term loan with flexible terms to help with the costs of commercial real estate.

You could use the loan to:

  • Buy land and buildings
  • Construct new premises
  • Expand or renovate existing premises

You could also use the loan to help replace the working capital that you have spent on your commercial real estate.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Start-up financing

Business Development Bank of Canada

Do you need a loan to start or buy a business, or to pay for property and equipment to set up your business? Financing may be available to entrepreneurs who demonstrate:

  • Market and sales potential
  • Competence in the management team
  • Investment in their business
  • Expertise in a chosen field

Other conditions apply.

BDC Wholesale financing

Business Development Bank of Canada

If you operate a small or medium-size finance or leasing company that extends financing for vehicles and/or commercial equipment to your customers, you could access expanded funding options to help you:

  • Respond to business and consumer demand
  • Increase the availability of credit that you can extend to your customers

The funding is provided on commercial terms and on a match-funded basis.

The program is jointly administered and financed by the BDC and TAO Asset Management.

BDC Working capital term loan

Business Development Bank of Canada

Do you need more working capital to help you grow your business?

You could get a loan to:

  • Boost inventory
  • Take advantage of suppliers' discounts
  • Complement your line of credit

Other conditions apply.

Chantier de l'économie sociale Trust

Réseau d'investissement social du Québec (RISQ)

Your social economy business, non-profit organization or cooperative could get a loan with a 15-year capital repayment moratorium. Trust funding ranges from $50,000 to $1,500,000 and can cover up to 35% of eligible expenses.

You could fund:

  • working capital-related costs
  • launch of new products
  • equipment purchases
  • acquisition, construction or renovation of a building

Your business must have fewer than 200 employees.

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

FACTOR funding for the sound recording industry

Foundation Assisting Canadian Talent on Recordings

As a Canadian recording artist, song writer, artist manager, record label owner, music publisher, distributor, or event producer of English language content, you could qualify for funding.

Eligible activities include:

  • Sound recording
  • Business development
  • Marketing and promotion
  • Business travel and tours
  • Creation of a music video
  • Workshops for songwriters

Depending on the program, the funding:

  • Comes in the form of grants, or a combination of loans and grants
  • Provides maximum amounts that range from $750 to $200,000
  • Generally covers up to 50% of the cost of eligible activities

Other conditions apply.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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 for sustainable agri-food businesses

Fondaction

You could benefit from financing and support for projects designed to grow and develop your agribusiness through innovation

To be eligible, you must:

  • Demonstrate the skills and experience of your management team
  • Ensure that the majority of jobs are created in Quebec
  • Establish the sustainability and profitability of the project
  • Illustrate the potential for social and environmental benefits

You could benefit from:

  • Progressive repayment schedules based on the implementation of your business plan
  • Diagnostics
  • Matchmaking-coaching meetings
  • Financial advice

Other conditions apply.

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.

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 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 $5,000 to $25,000 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.

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 en agroalimentaire Nicolet-Yamaska

Service de développement économique de la MRC de Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

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 MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $5,000 to $25,000 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.

Fonds Tourisme PME

Tourisme Québec

You could receive up to $250,000 in funding for your for-profit or social economy (not-for-profit or cooperative) business in the tourism sector.

The loan could be used to:

  • Finance facilities and equipment
  • Increase working capital

You must meet the following criteria:

  • Not be in a recovery process
  • Have a down payment of between 15% and 25% of the total cost of the project
  • Have relevant experience in the field
  • Demonstrate the potential for long-term sustainability of the project

Other conditions apply.

Innovative Manufacturer Financing

Investissement Québec

See how your manufacturing business can benefit from a term loan of up to $250,000 to cover up to 100% of project costs, such as:

  • Consultation fees to initiate an innovation process
  • Working capital expenditures to support the commercialization of a new innovative product or the hiring of experts

You must have:

  • Been in operation for at least 3 years
  • Sales figures of $2 million or more
  • At least 15 employees
  • A sound financial and operational structure

Other conditions apply.

Le Fonds ADM / 375 idées

Jeune Chambre de commerce de Montréal (JCCM)

Are you a Montreal entrepreneur aged 18 to 40? If so, you can receive a $3,750 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident;
  • Have your head office in Montreal;
  • Have met 100% of your crowdfunding objective of at least $3,750 on Quebec's La Ruche platform since January 1, 2017;
  • Demonstrate your project's viability and profit potential.

Other conditions apply.

Local investment fund

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

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.

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.

PME MTL Fund

PME MTL

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

Other conditions apply.

Program to Support Diversification and Regional Development

La Financière agricole

If you own an agricultural business and want to increase your productivity or diversify your products, you could be refunded the interest on loan capital, up to $200,000. The maximum contribution amount available is $15,000 per business.

There are four components to the program:

  • Diversification support
  • Land improvement support
  • Support for greenhouse operations
  • Support for milk-fed calf operations

The following aspects will be assessed for all projects submitted:

  • Profitability and potential for growth
  • Market
  • Technical feasibility
  • Compliance with the laws and regulations

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

4. Increase sales in Canada

BDC business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

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.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Start-up financing

Business Development Bank of Canada

Do you need a loan to start or buy a business, or to pay for property and equipment to set up your business? Financing may be available to entrepreneurs who demonstrate:

  • Market and sales potential
  • Competence in the management team
  • Investment in their business
  • Expertise in a chosen field

Other conditions apply.

BDC Xpansion Loan

Business Development Bank of Canada

If you are looking to expand into new domestic or foreign markets, this loan could provide you with funding to:

  • Invest in technology or develop new products
  • Launch a new marketing campaign
  • Purchase licenses, patents or trademarks
  • Hire and train additional employees
  • Obtain a certification

Conditions apply.

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

FACTOR funding for the sound recording industry

Foundation Assisting Canadian Talent on Recordings

As a Canadian recording artist, song writer, artist manager, record label owner, music publisher, distributor, or event producer of English language content, you could qualify for funding.

Eligible activities include:

  • Sound recording
  • Business development
  • Marketing and promotion
  • Business travel and tours
  • Creation of a music video
  • Workshops for songwriters

Depending on the program, the funding:

  • Comes in the form of grants, or a combination of loans and grants
  • Provides maximum amounts that range from $750 to $200,000
  • Generally covers up to 50% of the cost of eligible activities

Other conditions apply.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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.

Le Fonds ADM / 375 idées

Jeune Chambre de commerce de Montréal (JCCM)

Are you a Montreal entrepreneur aged 18 to 40? If so, you can receive a $3,750 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident;
  • Have your head office in Montreal;
  • Have met 100% of your crowdfunding objective of at least $3,750 on Quebec's La Ruche platform since January 1, 2017;
  • Demonstrate your project's viability and profit potential.

Other conditions apply.

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.

Program to Support Diversification and Regional Development

La Financière agricole

If you own an agricultural business and want to increase your productivity or diversify your products, you could be refunded the interest on loan capital, up to $200,000. The maximum contribution amount available is $15,000 per business.

There are four components to the program:

  • Diversification support
  • Land improvement support
  • Support for greenhouse operations
  • Support for milk-fed calf operations

The following aspects will be assessed for all projects submitted:

  • Profitability and potential for growth
  • Market
  • Technical feasibility
  • Compliance with the laws and regulations

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

5. Commercialization

BDC business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

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.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Xpansion Loan

Business Development Bank of Canada

If you are looking to expand into new domestic or foreign markets, this loan could provide you with funding to:

  • Invest in technology or develop new products
  • Launch a new marketing campaign
  • Purchase licenses, patents or trademarks
  • Hire and train additional employees
  • Obtain a certification

Conditions apply.

Chantier de l'économie sociale Trust

Réseau d'investissement social du Québec (RISQ)

Your social economy business, non-profit organization or cooperative could get a loan with a 15-year capital repayment moratorium. Trust funding ranges from $50,000 to $1,500,000 and can cover up to 35% of eligible expenses.

You could fund:

  • working capital-related costs
  • launch of new products
  • equipment purchases
  • acquisition, construction or renovation of a building

Your business must have fewer than 200 employees.

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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 for sustainable agri-food businesses

Fondaction

You could benefit from financing and support for projects designed to grow and develop your agribusiness through innovation

To be eligible, you must:

  • Demonstrate the skills and experience of your management team
  • Ensure that the majority of jobs are created in Quebec
  • Establish the sustainability and profitability of the project
  • Illustrate the potential for social and environmental benefits

You could benefit from:

  • Progressive repayment schedules based on the implementation of your business plan
  • Diagnostics
  • Matchmaking-coaching meetings
  • Financial advice

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 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 $5,000 to $25,000 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.

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 en agroalimentaire Nicolet-Yamaska

Service de développement économique de la MRC de Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

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.

Innovative Manufacturer Financing

Investissement Québec

See how your manufacturing business can benefit from a term loan of up to $250,000 to cover up to 100% of project costs, such as:

  • Consultation fees to initiate an innovation process
  • Working capital expenditures to support the commercialization of a new innovative product or the hiring of experts

You must have:

  • Been in operation for at least 3 years
  • Sales figures of $2 million or more
  • At least 15 employees
  • A sound financial and operational structure

Other conditions apply.

Le Fonds ADM / 375 idées

Jeune Chambre de commerce de Montréal (JCCM)

Are you a Montreal entrepreneur aged 18 to 40? If so, you can receive a $3,750 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident;
  • Have your head office in Montreal;
  • Have met 100% of your crowdfunding objective of at least $3,750 on Quebec's La Ruche platform since January 1, 2017;
  • Demonstrate your project's viability and profit potential.

Other conditions apply.

Local investment fund

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

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.

PME MTL Fund

PME MTL

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

6. Start or buy a business

BDC business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

BDC Buying a business

Business Development Bank of Canada

Would you like to buy an existing business? Do you need a consultant to help you determine its strengths? You could get a loan to:

  • Buy an existing business
  • Acquire a competitor's or supplier's business
  • Purchase the business that you already manage
  • Pay for a consultant to help evaluate the business and integrate its processes

The type of loan you could get will depend on whether or not you already own land, shares in a business, or other assets.

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.

BDC New Canadian Entrepreneur Loan

Business Development Bank of Canada

Are you an immigrant entrepreneur? You could get a repayable loan of up to $50,000 to start a new business.

To be eligible, you must:

  • Have immigrated to Canada less than 3 years ago
  • Be a Canadian citizen or have permanent residence status
  • Have a viable business plan
  • Have no established or little credit history to easily access financing

The terms are flexible, with a repayment period of up to 6 years. You would not need to make any capital payments for up to 12 months.

Other conditions apply.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Start-up financing

Business Development Bank of Canada

Do you need a loan to start or buy a business, or to pay for property and equipment to set up your business? Financing may be available to entrepreneurs who demonstrate:

  • Market and sales potential
  • Competence in the management team
  • Investment in their business
  • Expertise in a chosen field

Other conditions apply.

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.

Chantier de l'économie sociale Trust

Réseau d'investissement social du Québec (RISQ)

Your social economy business, non-profit organization or cooperative could get a loan with a 15-year capital repayment moratorium. Trust funding ranges from $50,000 to $1,500,000 and can cover up to 35% of eligible expenses.

You could fund:

  • working capital-related costs
  • launch of new products
  • equipment purchases
  • acquisition, construction or renovation of a building

Your business must have fewer than 200 employees.

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

Cooperative Buyout Support Program

Investissement Québec

If you are a member partner of a cooperative, you may be eligible for funding between $100,000 and $2 million for the full or partial buyout of a business to ensure its succession.

Conditions include:

  • Repayment over a maximum period of 15 years
  • A fixed interest rate equivalent to Quebec Government bond yield plus 1.25%
  • A sliding scale of interest for the first 5 years
  • A moratorium on the principal repayment of up to 3 years for a full buyout

Other conditions apply.

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.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

Other conditions apply.

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 $5,000 to $25,000 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.

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 en agroalimentaire Nicolet-Yamaska

Service de développement économique de la MRC de Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

Other conditions apply.

Fonds d'investissement pour la relève agricole

Fonds d'investissement pour la relève agricole

If you are an agricultural entrepreneur or on your way to becoming one, you could be eligible to receive assistance including:

  • a down payment loan of up to $250,000 to be used, for example, to purchase equipment, buildings, agricultural land, quotas, or an entire farm;
  • the lease of land with option to repurchase at market value or with inflation protection of an annual maximum rate of 3.5%.

To be eligible, you must:

  • be between 18 and 39 years old;
  • have completed a recognized training/educational program;
  • hold at least 20% of the business's shares.

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 MOSAÏQUE

Filaction

If you are a member of one of Quebec's cultural communities, you could receive a loan or loan guarantee ranging from $5,000 to $25,000 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.

Fonds Tourisme PME

Tourisme Québec

You could receive up to $250,000 in funding for your for-profit or social economy (not-for-profit or cooperative) business in the tourism sector.

The loan could be used to:

  • Finance facilities and equipment
  • Increase working capital

You must meet the following criteria:

  • Not be in a recovery process
  • Have a down payment of between 15% and 25% of the total cost of the project
  • Have relevant experience in the field
  • Demonstrate the potential for long-term sustainability of the project

Other conditions apply.

Futurpreneur Canada Newcomer Program

Futurpreneur Canada

Are you a newcomer to Canada between the ages of 18 and 39, with a limited credit history? If so, you could apply for a $7,500 repayable loan to start a business.

This amount could be matched with a repayable loan from the BDC for a potential total of $15,000.

To qualify, you must:

  • Be a citizen or a permanent resident of Canada, for no longer than 5 years
  • Have been in business for less than 1 year
  • Agree to work with a mentor

Other conditions apply.

Futurpreneur Canada Start-Up Program

Futurpreneur Canada

If you are between the ages of 18 and 39, you could get a loan of $15,000 to start or buy a business.

To be eligible, you will need to:

  • Create a business plan for a business that will employ you full time
  • Work with a mentor for two years

You cannot use the funds to pay existing debts. You need to repay the loan and pay administrative fees.

If you qualify, you can also apply for an extra $30,000 through the Futurpreneur Canada-BDC Start-Up Program.

Other conditions apply.

Jeunes entreprises collectives

PME MTL

If you operate a cooperative, you could receive funding of $23,000 or more, including a:

  • $3,000 grant from the Caisse d'économie solidaire Desjardins
  • $10,000 subsidy as part of the Fonds de développement de l'économie sociale
  • $10,000 loan from PME MTL, the Caisse d'économie solidaire Desjardins or another partner

You must:

  • Operate a new coperative on the Island of Montreal
  • Be a member, or agree to become a member, of the Caisse d'économie solidaire
  • Submit a viable business plan

Other conditions apply.

Le Fonds ADM / 375 idées

Jeune Chambre de commerce de Montréal (JCCM)

Are you a Montreal entrepreneur aged 18 to 40? If so, you can receive a $3,750 loan at a rate of 2% if you have a project at the pre-start-up or start-up stage, or that has been growing for less than two years.

You must:

  • Be a Canadian citizen or permanent resident;
  • Have your head office in Montreal;
  • Have met 100% of your crowdfunding objective of at least $3,750 on Quebec's La Ruche platform since January 1, 2017;
  • Demonstrate your project's viability and profit potential.

Other conditions apply.

Local investment fund

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

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.

MicroEntreprendre

MicroEntreprendre

Are you unable to obtain traditional financing to start your business?

You could obtain a loan of $500 to $50,000 from this network, which will also give you technical assistance to structure a viable project.

PME MTL Fund

PME MTL

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

Other conditions apply.

Prince's Operation Entrepreneur

Prince's Charities Canada

Are you a transitioning Canadian Armed Forces member, veteran, reservist, or a family member looking to establish yourself as an entrepreneur? Or do you already have a business?

This national bilingual program offers:

  •     One-day workshops and seven-day business boot camps
  •     Tools and resources to guide business planning and growth
  •     Networking opportunities and introductions to local community support resources
  •     Access to free corporate law legal advice and information from a national law firm
  •     Short-term one-on-one business coaching for program participants
  •     The Canadian Veteran Business Directory, a free online listing of military-owned businesses in Canada

Programme Créavenir

Desjardins Group

If you’re between 18 and 35, you can receive up to $15,000 in loans and up to $5,000 in grants for your business projects. The support service is provided in partnership with a support organization in your area.

To qualify, you need to:

  • Be or become a member of a participating Desjardins caisse
  • Live and start a business in an area served by a participating caisse
  • Present a viable plan to start a business or consolidate an existing one that is less than three years old

The maximum amount granted might not be the same in some regions. Please contact your local Desjardins caisse for details.

Other conditions apply.

ProMontreal entrepreneurs (PME) Fund

If your start-up business has been in operation in Montreal for less than two years, you could get a loan of up to $50,000, offered at a business prime rate and repayable over 5 years.

To be eligible, you should:

  • be between the ages of 18 and 40 and a member of the Jewish community;
  • be a registered member of ProMontreal Entrepreneurs;
  • fill in the application form;
  • submit a detailed business plan;
  • provide two letters of reference and a recent credit report.

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

7. Hire or train employees

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Xpansion Loan

Business Development Bank of Canada

If you are looking to expand into new domestic or foreign markets, this loan could provide you with funding to:

  • Invest in technology or develop new products
  • Launch a new marketing campaign
  • Purchase licenses, patents or trademarks
  • Hire and train additional employees
  • Obtain a certification

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.

Innovative Manufacturer Financing

Investissement Québec

See how your manufacturing business can benefit from a term loan of up to $250,000 to cover up to 100% of project costs, such as:

  • Consultation fees to initiate an innovation process
  • Working capital expenditures to support the commercialization of a new innovative product or the hiring of experts

You must have:

  • Been in operation for at least 3 years
  • Sales figures of $2 million or more
  • At least 15 employees
  • A sound financial and operational structure

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 business loans

Business Development Bank of Canada

Whether you are launching a business or looking to expand and grow an existing one, you could get a term loan to help you:

  • Start or buy a business
  • Buy, build or renovate your facilities
  • Buy equipment
  • Research and develop new products
  • Develop new markets for your products
  • Acquire information and communications technology
  • Sell your business

The loan comes with flexible terms.

You may need to provide credit references and to have invested money in your business. Other conditions apply.

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.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Xpansion Loan

Business Development Bank of Canada

If you are looking to expand into new domestic or foreign markets, this loan could provide you with funding to:

  • Invest in technology or develop new products
  • Launch a new marketing campaign
  • Purchase licenses, patents or trademarks
  • Hire and train additional employees
  • Obtain a certification

Conditions apply.

Buyer Financing

Export Development Canada

EDC provides financing options to your international customers as well as protecting 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

Community Futures Program (Quebec)

Canada Economic Development for Quebec Regions

If you live in a rural area or in a region that doesn't have many job opportunities, you may be able to get a loan to start or grow a business. The amount of funding available and the eligibility criteria depend on the region where you live.

You will need to create a business plan and describe any financing you have received or expect to receive through any other government or municipal program. The funding is a loan that must be repaid.

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.

FACTOR funding for the sound recording industry

Foundation Assisting Canadian Talent on Recordings

As a Canadian recording artist, song writer, artist manager, record label owner, music publisher, distributor, or event producer of English language content, you could qualify for funding.

Eligible activities include:

  • Sound recording
  • Business development
  • Marketing and promotion
  • Business travel and tours
  • Creation of a music video
  • Workshops for songwriters

Depending on the program, the funding:

  • Comes in the form of grants, or a combination of loans and grants
  • Provides maximum amounts that range from $750 to $200,000
  • Generally covers up to 50% of the cost of eligible activities

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.

FIJE Fund

Centre d'Aide aux Entreprises Haute-Yamaska et région

You may be eligible for up to $50,000 in funding to start or grow your business.

The program is aimed at:

  • Women
  • Youth between 18 and 39 years of age
  • Immigrants, including:
    • Permanent residents
    • Qualified workers
    • Canadian citizens since less than 5 years

You must:

  • Have a mentor
  • Present a business plan demonstrating the viability of the project
  • Have a good credit rating
  • Create at least one full-time job
  • Provide a down payment of 10% of the cost of the project
  • Be in the Haute-Yamaska region of Quebec

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.

NORTHSTAR Trade Finance Canada

NORTHSTAR Trade Finance Canada

Increase your chances of landing export sales by providing financing options to your buyer as part of an overall sales proposal.

Eligible foreign buyers could obtain financing to purchase your goods and services, including purchases of a relatively low dollar value.

Contact NORTHSTAR early in the export contract negotiations and they could issue you a complimentary letter of intent to assist in negotiations with your prospective customer.

Programme d'aide à l'exportation et au rayonnement culturel des œuvres cinématographiques, télévisuelles et interactives québécoise

Société de développement des entreprises culturelles (SODEC)

You could get up to $125,000 in funding for export projects, if you are engaged in the production of film, television, or interactive works, or in commercial activities related to books, arts and crafts, music or variety shows.

The program has 5 components:

  • Strategic development abroad — New markets, new works
  • Support for one-time projects
  • Sodexport — Collective presence in markets and trade fairs, and other export activities
    • Festivals and awards
    • Search for funding and partnership abroad
    • Support for innovative promotion strategies
  • International relations

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.

BDC Indigenous Entrepreneur Loan

Business Development Bank of Canada

As an Indigenous entrepreneur, you could get up to $150,000 to start a business or up to $250,000 to grow your existing business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital to support your company's growth

9. Implement safety or quality control standards

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

10. 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.

BDC Small Business Loan - for existing business

Business Development Bank of Canada

Keep your cash flow. Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000 within 5 business days, no application fees or hassles. The entire process is completed online.

You need to have been operating your business for the past 24 months.

Other conditions apply.

BDC Technology financing — Information and communications technology loan

Business Development Bank of Canada

Do you need financing to update your technology projects? You could get a loan to buy or update your information and communications technology while preserving your short-term working capital. With this funding you could invest in:

  • Hardware (servers, network, computers, and accessories)
  • Software (human resources, supply chain, finance, and accounting)
  • Advisory services (IT planning, strategy, security, online sales, Internet marketing, social media)

Other conditions apply.

BDC Xpansion Loan

Business Development Bank of Canada

If you are looking to expand into new domestic or foreign markets, this loan could provide you with funding to:

  • Invest in technology or develop new products
  • Launch a new marketing campaign
  • Purchase licenses, patents or trademarks
  • Hire and train additional employees
  • Obtain a certification

Conditions apply.

ESSOR Program — Funding support for development projects

Ministère de l'Économie, de la Science 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.

Farm Credit Canada — loans and lending options

Farm Credit Canada

Do you need financing to start, run, grow, or transfer an agri-food or agribusiness operation? Farm Credit Canada offers a large range of loans with unique terms that can help you:

  • Purchase or improve land, buildings or equipment
  • Buy crop inputs or livestock
  • Make environmental improvements
  • Transfer your business to a new operator

Eligible producers or business owners are Canadian citizens of legal age.

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 Biomasse Énergie

Fondaction

If you are looking to convert your fossil fuel heating system to one that uses residual forest biomass, you could receive a loan of up to $2 million per project.

Eligible activities include:

  • Feasibility analysis of the project and its implementation
  • Financing and procurement
  • Facility management and maintenance

Other conditions apply.

Fonds d'investissement en agroalimentaire Nicolet-Yamaska

Service de développement économique de la MRC de Nicolet-Yamaska

Do you own a non-conventional-sized agri-food business or small farm in the Regional County Municipality of Nicolet-Yamaska? You could receive an interest-free loan of up to $10,000 for a start-up, expansion, take-over or acquisition project in the areas of agri-food production, transformation or marketing.

The project must:

  • Create at least one sustainable position
  • Be based on a comprehensive business plan
  • Demonstrate a viable market

You must invest a minimum of 20% of the total cost in the project.

Other conditions apply.

Local investment fund

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

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.

PME MTL Fund

PME MTL

You could receive up to $300,000 to cover expenses related to the start-up or development of your business establishment in Montreal, including:

  • Working capital
  • Capital assets
  • Marketing costs
  • Purchase of equipment
  • Acquisition of a business (succession or transfer)
  • Costs for patents or the protection of intellectual property
  • Prototyping

You must:

  • Be a Canadian citizen or permanent resident
  • Submit a business plan or a summary of projected financial statements
  • Provide an investment of at least 20% of the total project cost

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. 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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