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Finance your working capital

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Loan guarantees

  • Business assistance – Temporary support for working capital – COVID-19 (in French only)

    Société de développement des entreprises culturelles (SODEC)
    Do you own a Quebec company that operates in one of SODEC’s areas of activity and whose future is uncertain due to the COVID-19 pandemic? You could receive financial assistance to weather these difficult times.

  • EDC — Account Performance Security Guarantee 

    ​Export Development Canada
    Get 100% coverage of bonds posted by your bank on your behalf, and issue letters of guarantee associated with contractual, regulatory and supplier guarantees. This frees up your cash or credit line to expand your business.

  • EDC — Export Guarantee Program 

    ​Export Development Canada
    Get an EDC loan guarantee of up to $10 million on money you borrow from your bank, allowing you to increase your access to capital. This will help you manage your cash flow, increase international sales, and support your investments.

  • Financing program for cultural businesses 

    Société de développement des entreprises culturelles
    Loans, loan guarantees and capital investments for cultural businesses, as well as tax credit advances for film, books, sound productions and shows.

  • Fonds afro-entrepreneurs 

    ​Filaction
    Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee for your business' needs.

  • Highly Affected Sectors Credit Availability Program (HASCAP) 

    ​Business Development Bank of Canada
    If your business has experienced a decline in revenues of at least 50% in 3 months (not necessarily consecutive), you could get a guaranteed, low-interest loan between $25,000 and $1 million for up to 10 years, to help with day-to-day operating costs.

  • 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.

Equity investments

  • BDC Capital 

    ​Business Development Bank of Canada
    Access a wide range of specialized financing to match the various stages of your business' growth.

  • Canada Media Fund 

    Canada Media Fund
    Financial support for the development of innovative and new Canadian content, including digital content, content representing minority groups and content destined for export markets.

  • Financing program for cultural businesses 

    Société de développement des entreprises culturelles
    Loans, loan guarantees and capital investments for cultural businesses, as well as tax credit advances for film, books, sound productions and shows.

  • National Bank SME Growth Fund 

    ​National Bank
    ​Receive up to $15 million for the growth, transfer or purchase of your company.

  • 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.

  • Vector 

    ​Zú
    Does your start-up operate in the creative and entertainment industry? Do you have an innovative idea that will drive your growth? The Vector program is designed for you.

Loans and cash advances

  • Advance Payments Program (Agriculture) 

    Agriculture and Agri-Food Canada
    Get a low-interest, repayable cash advance of up to $1 million, with interest on the first $100,000 paid by the federal government. The advance covers 50% of the expected market value of the agricultural products you will produce or have in storage for the program year.

  • 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 - Wholesale Financing 

    Business Development Bank of Canada
    Your small to medium-sized financing or lease company could access expanded financing options to provide vehicle and equipment loan or lease contracts.

  • BDC Capital 

    ​Business Development Bank of Canada
    Access a wide range of specialized financing to match the various stages of your business' growth.

  • BDC Co-Lending Program (BCAP) 

    ​Business Development Bank of Canada
    If your business has been affected by COVID-19, you could get up to $12.5 million to support your operational cash flow, co-financed by BDC and your primary lending institution.

  • 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.

  • BDC Working Capital Term Loan 

    Business Development Bank of Canada
    Get a loan to complement your line of credit in order to boost inventory and take advantage of supplier discounts.

  • BDC – COVID-19 Working Capital loans 

    ​Business Development Bank of Canada
    If your business has been affected by COVID-19, and you are unable to secure financing from your bank, you could qualify to postpone your payments and/or get working capital loans of up to $2 million with flexible terms for a period of up to 6 months, as well as reduced rates on new eligible loans.

  • Black Entrepreneurship Program – Black Entrepreneurship Loan Fund 

    ​Government of Canada
    Get a loan between $25,000 and $250,000 to help mitigate the effects of COVID-19 and grow your business. More details will be available soon.

  • Boosted support from Farm Credit Canada 

    Farm Credit Canada
    Get a line of credit up to $500,000 to be used for working capital, operating expenses and purchases of land and equipment.

  • Canada Feature Film Fund 

    Telefilm Canada
    Financing for Canadian film producers to develop, produce and market movies in English or French in Canada and internationally.

  • Canada Media Fund 

    Canada Media Fund
    Financial support for the development of innovative and new Canadian content, including digital content, content representing minority groups and content destined for export markets.

  • City of Laval’s COVID-19 loan (in French only)

    ​Ville de Laval
    Your business is based in Laval and needs financial assistance to help meet its operating expenses? This loan could be the answer.

  • Collective entrepreneurship financing 

    Investissement Québec
    Loans covering up to 100% of the costs for most co-operative and not-for-profit business projects, starting at $50,000.

  • 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.

  • Crop Inputs 

    Farm Credit Canada
    Get credit at a crop input retailer to purchase the inputs you need and pay after you sell your crops.

  • DEL's COVID-19 Loan 

    Développement économique de l'agglomération de Longueuil
    Is your business struggling with a lack of funds due to the pandemic? Get up to $100,000 to cover your working capital.

  • EDC — Direct Lending 

    ​Export Development Canada
    Get a secured loan to help you expand internationally. You can use the loan to help finance equipment or facilities, or establish a foreign affiliate. Lending amounts are based on the level of risk and the market involved.

  • ESSOR — Concerted temporary action program for businesses - Tourism industry 

    Investissement Québec
    If your liquidity has been affected by COVID-19, you could get a loan or other types of financing up to $ 100,000 to help with cash flow.

  • 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.

  • FCC Advancer Loan 

    Farm Credit Canada.
    Are your operations expanding? Do you need additional funds? The FCC Advancer could be of interest.

  • FCC Credit Line 

    Farm Credit Canada
    ​Receive a pre-approved, renewable loan to help you meet your cash flow requirements and give you the working capital to pursue your activities.

  • 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.

  • Financial Support for Fishing Enterprises 

    Ministère de l'Agriculture, des Pêcheries et de l'Alimentation du Québec
    Get a loan guarantee to help cover the costs of commercial fishing boats, commercial fishing quotas and licences, boat components (electronic, mechanical and hydraulic) or debt consolidation.

  • Financing for sustainable agri-food businesses (in French only)

    ​Fondaction
    If you are planning to grow your agri-food business, you could benefit from coaching and customized financing.

  • Financing of Refundable Tax Credits 

    Investissement Québec
    If you're eligible for a refundable tax credit and need the funds to carry out your project right away, you can get a loan of up to 100% of the anticipated amount, starting at $50,000 for scientific research and experimental development (SR&ED) tax credits and at $20,000 for other tax credits.

  • Financing program for cultural businesses 

    Société de développement des entreprises culturelles
    Loans, loan guarantees and capital investments for cultural businesses, as well as tax credit advances for film, books, sound productions and shows.

  • 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.

  • Fonds afro-entrepreneurs 

    ​Filaction
    Are you a member of one of Quebec's black communities? You could receive a loan or loan guarantee for your business' needs.

  • Innovative Manufacturer Financing [PDF](in French only)

    ​Investissement Québec
    ​Small and medium manufacturers in Quebec can get financing to help create new processes, integrate new technologies, and increase productivity.

  • 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.

  • Livestock Financing 

    Farm Credit Canada
    Get credit at a livestock supplier to purchase cattle.

  • 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 – 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.

  • 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.

  • RBC Black Entrepreneur Program 

    ​Royal Bank of Canada
    Get financing and expert advice to drive economic growth and wealth creation for your business.

  • 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.

  • Tax credits for production of multimedia titles 

    Investissement Québec
    Refundable tax credit for multimedia producers may amount to 37.5% of eligible labour expenditures.

  • 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.

Tax refunds and credits

  • Development of E-Business Tax Credit 

    Investissement Québec
    Tax credit of 30% (24% refundable and 6% non-refundable) for information technology (IT) sector salaries up to a maximum of $25,000 per employee working on e-business activities.

  • Indigenous business at EDC 

    Export Development Canada
    Get support for building a global brand and removing barriers to access for your Indigenous business, whether you’re exporting products, services or experiences.

  • Quebec book publishing tax credit 

    Société de développement des entreprises culturelles
    Credit of 27% to 35% on various costs associated with publishing books, comic strips and collections of poetry in Quebec, including developing foreign markets, major publishing projects, translation into other languages and creation of digital versions.

  • Tax credit for film production services 

    Société de développement des entreprises culturelles
    Refundable tax credit of 20% to 36% of the cost of labour and goods relating to film production, computer-aided animation and special effects.

  • Tax credit for the design of factory-made products (industrial design component) 

    ​Ministère de l'Économie et de l'Innovation
    Tax credit of 12% to 24% on the cost of in-house design activities (salary costs up to $60,000 admissible) or on the cost of external design activities by a consultant (65% of contract fees admissible).

Grants, contributions and financial assistance

  • 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.

  • AgriInvest 

    ​Agriculture and Agri-Food Canada
    ​Get up to $15,000 in matching contributions to set aside savings if you are an agricultural producer.

  • AgriStability — Québec 

    La Financière agricole
    If your production margin falls below 70% of your reference margin, leading to a large decline in your farm income, get a payment of 75% of the difference.

  • Business Assistance — Immigrant Investor Program 

    Investissement Québec
    Non-repayable contributions of $40,000 to $250,000 covering up to 10% of project costs for existing businesses and 15% for start-ups.

  • CED Tourism Relief Fund - Quebec 

    ​Canada Economic Development for Quebec Regions
    ​If you’re working on a project to enhance tourism experiences in your region or helping the community attract more visitors, you could get a $100,000 non-repayable contribution for up to 50% of your project’s costs or a $500,000 repayable contribution for up to 75% of the costs.

  • CED Tourism Relief Fund — Indigenous stream 

    ​Canada Economic Development for Quebec Regions
    If you’re working on a project to enhance tourism experiences in your region or helping the community attract more visitors, you could get a maximum $100,000 non-repayable contribution for up to 50% of your project’s costs or a maximum $500,000 repayable contribution for up to 75% of the costs. If you’re also a non-profit, the contribution is most likely non-repayable.

  • Canada Council for the Arts — Prize 

    Canada Council for the Arts
    You could be awarded with financial and other types of prizes from a variety of categories for the arts, literature, architecture and music, in recognition of your quest for innovation and excellence.

  • Canada Periodical Fund: Aid to Publishers 

    Canadian Heritage
    Financial assistance of up to $1.5 million for Canadian print magazines, non-daily newspapers and digital periodicals.

  • Canadian Agricultural Strategic Priorities Program 

    Agriculture and Agri-Food Canada
    If you’re a not-for-profit or Indigenous organization working towards sustainability and competitiveness by adopting new technology or building capacity, get up to $1 million per project in cost-shared funding to cover up to 50% of eligible project costs in most cases, and up to 75% for high-priority projects for the sector.

  • Community Interaction Program — Study projects 

    Environment and Climate Change Canada
    Get up to $25,000 in funding for a study project pertaining to a specific environmental issue with the aim of identifying concrete actions to be taken in the field.

  • Community Interaction Program — Study/action projects 

    Environment and Climate Change Canada
    Get up to $200,000 in funding for a study and action project pertaining to a specific environmental issue with the aim of identifying concrete actions to be taken in the fields.

  • Digital Literacy Exchange Program 

    Science and Economic Development Canada
    Apply for funding for your not-for-profit organization to provide digital literacy initiatives at no cost to under-represented groups in the digital economy.

  • Disaster Mitigation and Adaptation Fund 

    ​Infrastructure Canada
    ​You can apply for funding to build, repair or replace community infrastructure that has been, or could be, damaged due to natural disasters.

  • EDC — Portfolio Credit Insurance 

    ​Export Development Canada
    Get coverage of up to 90% of your losses if your international customer can’t pay for an order, whether you are an occasional exporter or regular exporter.

  • 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 Assistance Program for the Development of Private Woodlots 

    Ministère des Forêts, de la Faune et des Parcs
    Existing forestry companies in Quebec can get assistance in varying amounts for technical and silvicultural work and certification activities on private woodlots.

  • Financial assistance for music production and variety programming (in French only)

    ​SODEC
    ​Do you own a music, entertainment-production, or artist management company? If so, you could get a grant for your commercial activities.

  • Fonds d'initiative et de rayonnement de la métropole (in French only)

    ​Affaires municipales et Habitation
    Receive financial support of up to $500,000 to implement a project that aims to improve the development, promotion and influence of Montreal and the metropolitan region in terms of economic, cultural, environmental and social development.

  • Funding from Canada Council for the Arts 

    ​Canada Counsil for the Arts
    Are you an artist? You may be eligible to apply for various grants and prizes through the Canada Council for the Arts.

  • INNOGEC - Relance Fund (in French only)

    ​Filaction
    ​Get up to $10,000 to cover the fees of experts who will help your collective business assess the situation following the health crisis and up to $30,000 for them to assist you with your change management plan, recovery or business model adjustment.

  • 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.

  • Innovation Guelph — Rhyze Up! Program 

    Innovation Guelph
    You can get access to experts and leadership coaching to boost business momentum. Program provides mentorship, subsidy based project work.

  • Market Development Program for Turkey and Chicken 

    Agriculture and Agri-Food Canada
    Get financial assistance to help increase domestic demand for Canadian turkey and chicken products through promotional activities. These activities can include product demonstrations, on-farm food safety and traceability programs, animal care programs, market research, and more.

  • 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 – 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.

  • Poultry and Egg On-Farm Investment Program — Stream 1 

    Agriculture and Agri-Food Canada
    Get a non-repayable contribution to cover up to 70% of the costs of on-farm investments in modernizing operations, increasing efficiency, biosecurity, environmental sustainability, and meeting changing consumer demands, retroactive to March 19, 2019.

  • Poultry and Egg On-Farm Investment Program — Stream 2 

    Agriculture and Agri-Food Canada
    If you were 35 years old or younger on January 1, 2021, get a non-repayable contribution to cover up to 85% of the costs of on-farm investments in modernizing operations, increasing efficiency, biosecurity, environmental sustainability, and meeting changing consumer demands, retroactive to March 19, 2019.

  • Programme de soutien à l'économie sociale - volet 4: Approvisionnement auprès des entreprises d'économie sociale (in French only)

    Ministère de l'Économie et de l'Innovation
    Get financial support for promotional and outreach activities that allow your company to access government, municipal and private markets.

  • 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.

  • Soft Landing Program 

    Canadian Digital Media Network
    Get up to $4,000 to offset travel and accommodations costs to open new markets, close international sales, and secure investments abroad.

  • Tourism Industry Recovery Program (in French only)

    ​Tourisme et loisirs
    Obtain up to $5 million for the implementation and execution of projects aimed at developing and consolidating an innovative, scalable and sustainable tourism offer to ensure the sustainability and competitiveness of the Quebec tourism industry. 

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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