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Finance your startup

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Loan guarantees

  • Lac-Mégantic Economic Assistance Fund 

    Investissement Québec
    Whether your business operates inside or outside of Quebec, you can obtain a loan, loan guarantee or non-repayable contribution towards an investment that contributes to the economy of Lac Mégantic.

  • Local investment fund 

    Ministère de l'Économie et de l'Innovation
    Loans and loan guarantees to start or expand a business, or purchase at least 25% of an existing business, in Quebec.

  • Project Financing 

    Investissement Québec
    Loans, loan guarantees or capital investments of $50,000 and up for projects involving expansion, exporting, modernization, innovation, buildings and equipment, marketing and more.

  • Société d’Investissement Jeunesse Loan Program (in French only)

    société d'investissement jeunesse
    ​Are you aged 18 to 40 and the owner of an innovative technology business? You could receive a loan of up to $150,000.

Equity investments

Loans and cash advances

  • Agribusiness and Agrifood Young Entrepreneurs 

    Farm Credit Canada
    If you are under 40 years old, get a loan of up to $1 million to launch a new business or to take your operations to the next level.

  • Anges Québec Capital Fund 

    Anges Québec
    Investments of up to $4 million for innovative companies with high growth potential and a competitive advantage.

  • Apollo13 startup support program (in French only)

    ​Apollo 13
    Do you have an entrepreneurial idea to put into action or a desire to grow your business? The Apollo13 support program may be right for you.​

  • BDC - Business loans 

    Business Development Bank of Canada
    ​You could get money to help you start or grow your business.

  • BDC Business Transition Loan 

    Business Development Bank of Canada
    Get a repayable loan with terms tailored to your business if you are thinking of buying a company, making a merger or acquiring a competitor in order to expand your operations.

  • BDC Buying a Business Loan 

    Business Development Bank of Canada
    Get an asset-based loan to acquire an existing business or the business of a competitor or supplier.

  • BDC Indigenous Entrepreneur Loan 

    Business Development Bank of Canada
    Purchase assets, start exporting, pay start-up or franchise fees and replenish working capital with a $350,000 loan if you have an existing businesses or $250,000 if you are a start-up.

  • BDC Newcomer Entrepreneur 

    Business Development Bank of Canada
    If you are an immigrant who arrived in Canada within the past 3 years, you can get up to $50,000, along with expert advice, to start your own business.

  • BDC Small Business Loan 

    Business Development Bank of Canada
    Apply online for a business loan of up to $100,000 with flexible repayment terms. Use this financing to supplement cash flow, improve operations, or cover expenses for your small business.

  • BDC Start-up Financing 

    Business Development Bank of Canada
    Get up to $250,000 to help get your business off the ground, finance operations and replenish working capital spent on start-up costs, if you've been in business for at least a year.

  • Black Entrepreneur Startup Program 

    ​Futurpreneur
    ​Are you a black entrepreneur under the age of 40? Receive a loan, mentorship, and resources to launch your business.

  • Business succession 

    ​Fonds de solidarité FTQ
    ​Get coaching and financing to help you buy or sell a business.

  • Canadian Agricultural Loans Act program 

    Agriculture and Agri-Food Canada
    Get a loan of up to $500,000 to establish, improve and develop your farm—or up to $3 million for your co-operative to process, distribute and market agricultural goods.

  • Chantier de l'économie sociale Trust 

    Chantier de l'économie sociale Trust
    Get a trust loan between $50,000 and $1.5 million, with no principal repayment requirement for 15 years, to finance costs directly related to the acquisition, construction, or renovation of real estate assets such as land, a building, a warehouse, etc.

  • Community Futures Program 

    Canada Economic Development for Quebec Regions
    Get funding for starting or growing a business in a rural or disadvantaged area of the province of Quebec.

  • Cooperative Buyout Support Program (in French only)

    ​Investissement Québec
    ​If you are a member partner of a cooperative, you may be eligible for funding to buyback a business.

  • Development Capital — Equity financing 

    Investissement Québec
    Developmental capital of $5 million or more (20% to 30% of shares) to acquire a company in Quebec or abroad, for growth and productivity enhancements, and more.

  • Development Capital —Debt financing 

    Investissement Québec
    Debt financing up to $100 million to acquire a company in Quebec or abroad, for growth and productivity enhancements, and more.

  • ESSOR — Investment 

    Investissement Québec
    Get a loan of $100,000 or more for manufacturing-innovation projects and $250,000 or more for the creation of a new business or expansion/modernization of an existing business.

  • Economic Diversification Fund - MRC des Appalaches 

    Investissement Québec
    Get a loan to help cover the costs of a business development project in the MRC des Appalaches that improves business productivity and competitiveness.

  • Economic Diversification Fund — Central Quebec and La Mauricie 

    Investissement Québec
    Contributions or loans for business development projects in central Quebec or the Mauricie.

  • Economic Diversification Fund — MRC des Sources 

    Investissement Québec
    Contributions or loans for business development projects in the MRC des Sources region of Quebec.

  • FIJE Fund 

    Centre d'Aide aux Entreprises Haute-Yamaska et région
    If you are a woman, a young person under 39 years of age or an immigrant, you may be eligible for a business loan of up to $50,000 at a rate of prime +3%.

  • Farm Credit Canada — Loans and lending options 

    Farm Credit Canada
    You could access flexible financing options for your farming, agri-food or agribusiness operation.

  • Farm Transfer Transition Loans 

    Farm Credit Canada
    Access loans to help the transition of a farm from seller to buyer, including for intergenerational farm transfers.

  • Fonds Mosaïque (in French only)

    Filaction
    If you are a member of one of Quebec's cultural communities, you may be eligible for funding to start a business or run a business that has been in operation for less than five years.

  • Forestry Financing 

    La Financière agricole
    Get low interest rate loans and assistance resources for forestry projects.

  • Futurpreneur Canada Indigenous Program 

    Futurpreneur Canada
    Get a collateral-free loan of up to $60,000, along with 2 years of expert business mentoring and resources to get your startup off the ground if you're an Indigenous person 18–39 years old.

  • Futurpreneur Canada Newcomer Program 

    Futurpreneur Canada
    Get a loan of up to $25,000 to start a business in Canada, without having an established credit history.

  • Futurpreneur Canada Side Hustle 

    Futurpreneur Canada
    If you're a young professional (18 to 39 years old) with a full-time job, you can get up to $15,000 and mentoring to launch or grow a side business.

  • Futurpreneur Canada Start-Up Program 

    Futurpreneur Canada
    Get a collateral-free loan of up to $60,000, along with 2 years of expert business mentoring to get your startup off the ground if you're 18–39 years old.

  • Impulsion PME (in French only)

    ​Investissement Québec
    ​Do you have an innovative start-up company looking for investment capital? You could receive a convertible loan or equity capital.

  • Investment fund for young farmers (in French only)

    Fonds d'investissement pour la relève agricole
    ​Are you an agricultural entrepreneur 39 years old or younger? You may be eligible for assistance to acquire or lease agricultural land with option to purchase.

  • Lac-Mégantic Economic Assistance Fund 

    Investissement Québec
    Whether your business operates inside or outside of Quebec, you can obtain a loan, loan guarantee or non-repayable contribution towards an investment that contributes to the economy of Lac Mégantic.

  • Le Fonds YUL / 375 idées (in French only)

    ​Jeune chambre de commerce de Montréal
    ​Are you a Montreal entrepreneur between the ages of 18 and 40? If so, you can receive a loan to start or grow your business.

  • Local investment fund 

    Ministère de l'Économie et de l'Innovation
    Loans and loan guarantees to start or expand a business, or purchase at least 25% of an existing business, in Quebec.

  • MicroEntreprendre 

    MicroEntreprendre
    Quebec entrepreneurs who are unable to obtain financing in conventional financing networks can obtain loans of $2 000 to $20,000 and support.

  • Nicolet-Yamaska Agri-Food Investment Fund (in French only)

    Service de développement économique de la MRC de Nicolet-Yamaska
    You could receive financial assistance of up to $10,000 to start or expand your non-conventional-sized agri-food business.

  • PME MTL – Créavenir 

    PME MTL
    If you are less than 35 years old and starting a business on Montreal Island, get financial assistance of up to $10,000 — 30% of which is a subsidy, and 70% of which is a loan.

  • PME MTL – New Community Businesses 

    PME MTL
    Your new community-based venture may be eligible to receive $23,000 in loans and subsidies.

  • PME MTL – PME MTL Fund 

    PME MTL
    Get a low-interest-rate loan of up to $300,000 to start or grow your business.

  • PME MTL – Solidarity Fund 

    PME MTL
    Get a low interest rate loan of up to $100,000 to start or grow your business.

  • ProMontreal entrepreneurs (PME) Fund 

    Agence Ometz
    You are a young entrepreneur and a member of the Jewish community? You could get $50,000 to start or run your business in Montreal.

  • Project Financing 

    Investissement Québec
    Loans, loan guarantees or capital investments of $50,000 and up for projects involving expansion, exporting, modernization, innovation, buildings and equipment, marketing and more.

  • Rise – Small Business Lending 

    Rise
    Get a loan of up to $10,000 to launch or grow a business at the prime rate + 2.5%, with an average term of 3 years, or a specific loan for youth entrepreneurs or for event planning.

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

    ​Réseau des SADC et CAE
    ​If you live in a rural region of Quebec, you could access business counseling, financing and training to start or grow your business.

  • SME tourism fund 

    Tourisme Québec

    Get a loan of up to $500,000 for your for-profit or social economy business in the tourism sector to finance facilities and equipment or increase working capital.

  • SOCCA — Term loan for Indigenous businesses 

    Native Commercial Credit Corporation
    If your First Nations business is looking to start-up, expand, acquire a new business, you can get a competitive term loan to help cover up to 70% of the costs, so long as you can contribute at least 10% of the costs yourself.

  • Société d’Investissement Jeunesse Loan Program (in French only)

    société d'investissement jeunesse
    ​Are you aged 18 to 40 and the owner of an innovative technology business? You could receive a loan of up to $150,000.

  • Women Entrepreneur Program 

    Farm Credit Canada
    Get access to financing, as well as resources designed specifically to help you develop your skills as you start or grow your business.

  • Young Farmers 

    Farm Credit Canada
    Loans for agricultural producers under age 40 to start a farm or take it to the next level.

Grants, contributions and financial assistance

  • Aboriginal Business Financing Program - Private Project 

    Native Commercial Credit Corporation
    Get a non-refundable contribution of up to $99,999 for business start-up or expansion, marketing, project management, professional advisory services, and development of a business plan, marketing plan or feasibility studies.

  • Aboriginal Business Financing Program — Community project 

    Native Commercial Credit Corporation
    Get a non-refundable contribution of up to $1 million for businesses owned by a First Nation, the Native Alliance of Quebec, or by one of their members. Funds can be used for business start-up or expansion, marketing, project management, professional advisory services, and development of a business plan, marketing plan or feasibility studies.

  • Aboriginal Entrepreneurship Program — Access to Capital (in French only)

    National Aboriginal Capital Corporation Association (NACCA)
    Get a non-repayable contribution of up to $99,999 for business planning, acquisitions, expansion, domestic or export marketing, new product or process development, introducing new technologies and more.

  • Aboriginal Initiatives Fund III (in French only)

    Secrétariat aux affaires autochtones
    Your for-profit or non-profit Indigenous organization could be eligible for a grant for its economic development project.

  • AgriDiversity Program 

    Agriculture and Agri-Food Canada
    Not-for-profit organizations can get up to $1 million in funding over 5 years for projects that help under-represented groups (youth, women, Indigenous peoples and persons with disabilities) to pursue entrepreneurship, leadership and careers in agriculture and agri-food.

  • BDC Women in Technology Venture Fund 

    Business Development Bank of Canada
    Get up to $1 million in financing at the seed stage and up to $10 million at the growth stage if your technology company is led by women.

  • Centech Acceleration 

    ​Centech
    Get a grant of up to $25,000 when you participate in an upcoming 12-week accelerator program designed for startups that have developed an AI solution applied to supply chains. Get access to workspaces, group clinics, one-on-one coaching, and more.

  • Community Futures Network of Canada 

    ​Community Futures
    If your business is located in a rural community, and doesn’t qualify for the federal wage subsidy or other supports, you may be eligible for financial assistance through your Community Futures Network Canada to help continue your operations, including paying your employees, and to prepare for a successful recovery from the effects of COVID-19.

  • Economic Diversification Fund — Central Quebec and La Mauricie 

    Investissement Québec
    Contributions or loans for business development projects in central Quebec or the Mauricie.

  • Economic Diversification Fund — MRC des Sources 

    Investissement Québec
    Contributions or loans for business development projects in the MRC des Sources region of Quebec.

  • Farm Credit Canada — Loans and lending options 

    Farm Credit Canada
    You could access flexible financing options for your farming, agri-food or agribusiness operation.

  • Financial support for aspiring farmers 

    La Financière agricole
    Get up to $50,000 to work an existing farm or start a new business.

  • Group Recovery Support Program (in French only)

    Centre de transfert d'entreprise du Québec
    ​Do you want to transfer or buy a business? If so, you can receive funding to help you.

  • INNOGEC Fund (in French only)

    ​Filaction
    ​Get up to $15,000 to cover a portion of the service fees of management and governance consultants employed by your group company.

  • Innovative Solutions Canada 

    ​Innovation, Science and Economic Development Canada
    ​Receive funding to start, grow or market yourself with an innovative solution.

  • Lac-Mégantic Economic Assistance Fund 

    Investissement Québec
    Whether your business operates inside or outside of Quebec, you can obtain a loan, loan guarantee or non-repayable contribution towards an investment that contributes to the economy of Lac Mégantic.

  • PME MTL – Créavenir 

    PME MTL
    If you are less than 35 years old and starting a business on Montreal Island, get financial assistance of up to $10,000 — 30% of which is a subsidy, and 70% of which is a loan.

  • PME MTL – New Community Businesses 

    PME MTL
    Your new community-based venture may be eligible to receive $23,000 in loans and subsidies.

  • PME MTL – Social Initiatives 

    PME MTL
    Get up to $50,000 in subsidy and resources to start a social initiative.

  • PME MTL – Subsidies to support social economy initiatives 

    ​PME MTL
    Get a non repayable contribution of up to $50,000 to cover up to 80% of the costs of undertaking an innovative social economy project from planning stage to growth.

  • PME MTL – Young Business 

    PME MTL
    Get up to $15,000 to help with your start-up and growth.

  • Quebec Economic Development Program 

    Canada Economic Development for Quebec Regions
    ​Find out about financial and other resources that can help you develop your Quebec business.

  • Recyc-Québec — Ecocentre network optimization - Stream 1 

    ​Recyc-Québec
    ​Get up to $100,000 in funding to cover up to 70% of the expenses related to the implementation of a new ecocentre that must accept, sort at source and promote the reuse, recycling or recovery of various wood residues.

  • Support for self-employment 

    Emploi Québec
    If you are receiving employment insurance benefits or benefits from a last-resort financial assistance program, you may be eligible for financial support and technical advice to develop a business plan and start your own business or create your own job.

  • Support for the purchase of a first commercial fishing business (in French only)

    MAPAQ
    Are you thinking of acquiring your first fishing business? If so, you may be eligible for financial support to do so.

  • Young Volunteers 

    ​Gouvernement du Québec
    ​If you are between 16 and 29 years old, you could get financial and technical support to help you create your business or become self-employed.

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.

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