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Directory – Loans and cash advances

Increasing productivity

  • 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 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.

  • 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.

  • 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.

  • COVID-19: Aid for rural businesses to rebound 

    ​Sociétés d'aide au développement des collectivités
    Get a loan between $5,000 and $40,000 to help recover from the pandemic if you are located in Papineau, Collines-de-l'Outaouais, Buckingham or Masson-Angers, Quebec, and are not eligible for other federal emergency aid.

  • Compétivert — Funding Solution 

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

  • 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.

  • 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.

  • Economic Diversification Fund — Central Quebec and La Mauricie 

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

  • Farm Credit Canada — Loans and lending options 

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

  • 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.

  • 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.

  • Fonds de développement des entreprises touristiques (in French only)

    ​Filaction
    Obtain a loan ranging from $50,000 to $500,000 for the realization of innovative projects that will improve the tourism offer in Quebec.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • Fonds de solidarité FTQ 

    ​Fonds de solidarité FTQ
    ​If your Quebec business is in a period of growth and profitability, you can use this fund to obtain personalized business solutions that meet your needs.

  • 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.

  • 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.

  • 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.

  • Shopify Capital Funding 

    ​Shopify Capital
    ​Are you a Shopify merchant? If you are, you could receive a loan of up to $500,000 from Shopify.

  • Solunov 

    ​Fonds de solidarité FTQ
    ​If you would like to implement an innovative solution into your business, you could benefit from coaching assistance as well as funding.

  • 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.

Buy or lease a plant, machinery or property

  • 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.

  • 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 — 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.

  • 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.

  • 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.

  • 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 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.

  • 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.

  • 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.

  • Black-Led Business Financing Program 

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 — MRC des Sources 

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

  • Environmental Solutions 

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

  • 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 Equipment Financing 

    Farm Credit Canada
    Finance new or used equipment through hundreds of dealerships across Canada.

  • Farm Land and Buildings Financing 

    Farm Credit Canada
    Use this loan to help purchase new land or expand a farm operation by adding a new building.

  • 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.

  • 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.

  • Fonds de développement des entreprises touristiques (in French only)

    ​Filaction
    Obtain a loan ranging from $50,000 to $500,000 for the realization of innovative projects that will improve the tourism offer in Quebec.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • Fonds de solidarité FTQ 

    ​Fonds de solidarité FTQ
    ​If your Quebec business is in a period of growth and profitability, you can use this fund to obtain personalized business solutions that meet your needs.

  • Forestry Financing 

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

  • 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.

  • 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.

  • 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.

  • 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.

  • Quebec Business Transfer Fund 

    Centre de transfert d'entreprise du Québec
    Get specific business transfer funding to promote entrepreneurial growth and succession of existing businesses.

  • 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.

  • Smart Renewables and Electrification Pathways Program 

    ​Natural Resources Canada
    Get a repayable contribution of up to $50 million for a project that involves renewable energy, an emerging technology, or grid modernization, and covers up to 10%, 30% and 50% of the project costs for each of these 3 streams, respectively.

  • 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.

Increase my working capital

  • 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 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Black-Led Business Financing Program 

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • 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.

  • 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.

Increase sales in Canada

Commercialization

Start or buy a business

Hire or train employees

  • 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 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.

  • 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 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Emissions Reduction Fund 

    ​Natural Resources Canada
    You could get a loan for your conventional or offshore oil or gas firm to help keep your workers in the field during COVID-19, and to support your investments to reduce greenhouse gas emissions in order to comply with provincial requirements or federal methane regulations.

  • Farm Credit Canada — Loans and lending options 

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

  • 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.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • Foreign Credential Recognition Loan (PRTCE) 

    Microcrédit Montréal and Le Moulin Microcrédits
    If you are a foreign-trained or foreign-graduated student and are experiencing financial difficulties related to the process of having your degree and professional qualifications recognized in Quebec, you may be eligible for a loan of up to $15,000.

  • 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.

  • Loans for internationally trained professionals 

    Microcrédit Montréal
    Receive funding of up to $15,000 to cover the costs of your professional certification.

  • 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.

  • 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.

  • 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.

To export my products or services

  • BDC - Business loans 

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

  • BDC Capital 

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

  • 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.

  • 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 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 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 — 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • EDC — Surety Bond Insurance 

    ​Export Development Canada
    Want to grow your business and go after more international contracts? You can offer your surety company protection against potential losses if you are unable to deliver on your contractual, financial or regulatory obligations and your customer demands payment against your surety bond.

  • 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.

  • ESSOR — Steel and aluminum 

    Investissement Québec
    Get loans and loan guarantees to cover 75% of special tariffs placed on your steel and aluminum export products, at 25% and 10%, respectively, for a maximum duration of 10 years.

  • 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.

  • Farm Credit Canada — Loans and lending options 

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

  • FinDev Canada Financing and Investment 

    FinDev Canada
    Direct loans, loan guarantees, structured project financing and investments are available for companies operating in developing countries that bring sustainable social and economic benefits to local communities.

  • 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.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • Fonds de solidarité FTQ 

    ​Fonds de solidarité FTQ
    ​If your Quebec business is in a period of growth and profitability, you can use this fund to obtain personalized business solutions that meet your needs.

  • Program Supporting the Development of Tourist Attractions — Stream 1 

    Investissement Québec
    Get a loan or loan guarantee between $150,000 and $5 million to cover up to 60% of project costs to boost the region's potential to attract tourists from other parts of Canada and abroad.

  • 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.

  • 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.

Implement safety or quality control standards

Get a patent, license, or apply a new technology

  • AgriInnovate Program 

    Agriculture and Agri-Food Canada
    Get up to $10 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.

  • 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 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 Capital 

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

  • 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.

  • 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.

  • 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.

  • 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 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.

  • 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 — 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.

  • 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.

  • 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.

  • Compétivert — Funding Solution 

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

  • 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.

  • 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 — 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.

  • FinDev Canada Financing and Investment 

    FinDev Canada
    Direct loans, loan guarantees, structured project financing and investments are available for companies operating in developing countries that bring sustainable social and economic benefits to local communities.

  • 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.

  • 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.

  • Fonds de développement des entreprises touristiques (in French only)

    ​Filaction
    Obtain a loan ranging from $50,000 to $500,000 for the realization of innovative projects that will improve the tourism offer in Quebec.

  • Fonds de microcrédit agricole (in French only)

    ​MRC de la Vallée-du-Richelieu
    Get an interest-free loan to help you develop your farm business.

  • 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 

    ​Investissement Québec
    Investment for start-up of young innovative businesses with growth potential located in Quebec region.

  • 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.

  • Program Supporting the Development of Tourist Attractions — Stream 1 

    Investissement Québec
    Get a loan or loan guarantee between $150,000 and $5 million to cover up to 60% of project costs to boost the region's potential to attract tourists from other parts of Canada and abroad.

  • Program Supporting the Development of Tourist Attractions — Stream 2 

    Investissement Québec
    Get a term loan between $100,000 and $5 million to cover up to 80% of the eligible costs of a renovation project for your establishment. You must secure a contribution from private sources to cover at least 20% of the total 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.

  • Proof-of-Concept Program 

    ​Natural Products Canada
    If you are a researcher, startup, or SME, get repayable financing of up to $100,000 to cover up to 50% of the costs of demonstrating the commercial viability of innovative natural products or technologies.

  • 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.

  • Smart Renewables and Electrification Pathways Program 

    ​Natural Resources Canada
    Get a repayable contribution of up to $50 million for a project that involves renewable energy, an emerging technology, or grid modernization, and covers up to 10%, 30% and 50% of the project costs for each of these 3 streams, respectively.

  • Solunov 

    ​Fonds de solidarité FTQ
    ​If you would like to implement an innovative solution into your business, you could benefit from coaching assistance as well as funding.

  • 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 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 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.

  • Business succession 

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

  • 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.

  • 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.

  • 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.

Other goals

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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