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Loans and cash advances

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  • Program

    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.
  • Program

    AgriInnovate Program

    Government of Canada, Agriculture and Agri-Food Canada
    Get up to $5 million in repayable contributions to cover 50% of the cost of projects that aim to accelerate demonstration, commercialization and/or adoption of innovative products, technologies, processes or services that increase agri-sector competitiveness and sustainability.
  • Program

    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.
  • Program

    Anges Québec Capital Fund

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

    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.​
  • Program

    BDC - Business loans

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

    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.
  • Program

    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.
  • Program

    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.
  • Program

    BDC Capital

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

    BDC Capital — Growth & Transition Capital — Buying a business

    Business Development Bank of Canada
    Get repayable financial support of up to $35 million to increase your working capital to buy a competitor's or supplier's business. You can also obtain guidance and support from a team of experienced professionals to help you find the optimal financing structure in order to raise more capital. There is 2 solutions depending on the clients needs.
  • Program

    BDC Capital — Growth & Transition Capital — Working Capital

    Business Development Bank of Canada
    Get repayable financial support of up to $35 millions to increase your working capital to fund your R&D, product and market development projects.
  • Program

    BDC Capital — Growth Equity Partner

    Business Development Bank of Canada
    Get financing and advice from growth equity partners to help grow your business in Canada and internationally. This support will be provided through partnerships, funding and access to potential growth capital.
  • Program

    BDC Commercial real estate financing

    Business Development Bank of Canada
    Get a long-term loan with terms of up to 25 years to purchase land or buildings, construct or expand premises, or replenish working capital depleted by real estate costs.
  • Program

    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.
  • Program

    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.
  • Program

    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.
  • Program

    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.
  • Program

    BDC Technology Financing

    Business Development Bank of Canada
    Get a loan with flexible repayment terms to cover up to 100% of the cost of investing in information and communications technology such as hardware, software and related consulting services.
  • Program

    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.
  • Program

    BDC — Canada Digital Adoption Program (CDAP)

    Business Development Bank of Canada
    Get a loan of up to $100,000 to help small and medium sized enterprises adopt digital technologies to increase their competitiveness.
  • Program

    BDC — Equipment Purchase Financing

    Business Development Bank of Canada
    Get a loan to cover up to 100% of the purchase cost of new or used equipment for your business.
  • Program

    BDC — Financing for tech companies

    ​Business Development Bank of Canada
    Borrow money to help increase working capital, speed up customer acquisition and expand into new markets for your tech company.
  • Program

    BMO for Black Entrepreneurs

    ​BMO
    Get a loan of up to $250,000, tools, training and a business network to grow your majority Black Canadian owned business.
  • Program

    Biomass Energy Fund (in French only)

    ​Fondaction
    ​You could benefit from support and funding for a heating project that uses residual forest biomass.
  • Program

    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.
  • Program

    Black Entrepreneurship Program – Black Entrepreneurship Loan Fund

    ​Government of Canada
    Get a loan of up to $250,000 (including microloans in some cases) to help your for-profit, Black-led startup business or SME scale up and grow domestically and internationally.
  • Program

    Black-Led Business Financing Program

    ​Scotia Bank
    Get a loan of up to $250,000 to finance your capital expenditures or working capital.
  • Program

    Business succession

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

    CED Jobs and Growth Fund — For profit

    ​Canada Economic Development for Quebec Regions
    If your business is working on a project to transition to a green economy, foster an inclusive recovery, become more competitive and create jobs for Canadians, you could get an interest-free, repayable contribution for up to 50% of the project’s costs.
  • Program

    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.
  • Program

    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.
  • Program

    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.
  • Program

    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.
  • Program

    Compétivert — Funding Solution

    ​Investissement Québec
    Get a term loan and guarantee starting at $50,000 to increase productivity by financing your green projects.
  • Program

    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.
  • Program

    Créavenir

    ​Desjardins
    If you are under 35 years of age and starting a business or developing a business that is less than 3 years old, obtain financial assistance in the form of a line of credit of up to $15,000 at a preferential rate of 0.5% and a grant of up to $5000.
  • Program

    Culture and Communications Investment Fund

    Fonds d'investissement de la culture et des communications
    Quasi-equity loans for performing arts, publishing, audiovisual, recording, radio, television, multimedia and digital companies.
  • Program

    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.
  • Program

    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.
  • Program

    EDC — Foreign Exchange Facility Guarantee

    ​Export Development Canada
    Your EDC-approved financial institution or foreign exchange service provider will receive a 100% risk transfer solution on eligible foreign exchange contracts of up to 3 years, without you having to post collateral as payment assurance. This frees up your cash flow to take on more business and protect your profit margins.
  • Program

    EDC — Performance Security Insurance

    ​Export Development Canada
    Get insurance for up to 95% of your losses if a foreign customer wrongfully calls a letter of guarantee or if a call is triggered by you not being able to meet your obligations due to specific political risks. This protection helps you expand to new markets with the ability to provide letters of guarantee to secure contracts.
  • Program

    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.
  • Program

    EDC — Select Credit Insurance

    ​Export Development Canada
    Get fast short-term solutions to cover up to 90% of your insured losses, if your customer doesn't pay.
  • Program

    EDC — Women in Trade Investments Program

    Export Development Canada
    Get equity capital for your high-revenue, women-led business in the form of direct investment or venture capital funds, to grow and scale to new markets.
  • Program

    Environmental Solutions

    Farm Credit Canada
    Get a pre-approved line of credit to make environmental upgrades to your farm.
  • Program

    Evol — Conventional start-up loan

    ​Evol
    Get a loan ranging from $20,000 to $75,000 for your new business start-up projects (0 to 2 years).
  • Program

    Export and cultural visibility support program

    Société de développement des entreprises culturelles
    Funding in varying amounts for activities relating to the export of Quebec cultural products, in the form of non-repayable or partially repayable grants.
  • Program

    FCC Advancer Loan

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

    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.
Page 1 of 3

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