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Finance your working capital

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  1. Loan guarantees
  2. Equity investments
  3. Loans and cash advances
  4. Tax refunds and credits
  5. Grants, contributions and financial assistance
  6. Other resources

Loan guarantees

  • 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.

  • 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

  • Ambition ME 

    ​Caisse de dépôt et placement du Québec
    Obtain financing in the form of investment, support from specialists and access to an international network to propel the development and growth of your medium-sized Quebec company.

  • 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 — Venture Capital 

    Business Development Bank of Canada
    Get financing and advice from venture capital investors to help you build and grow your business in Canada and internationally.

  • 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.

  • Indigenous Growth Fund 

    National Aboriginal Capital Corporations Association (NACCA)
    Access investments to help you develop your Aboriginal business.

  • National Bank SME Growth Fund 

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

  • Scotiabank Women Initiative 

    ​Scotiabank
    Access capital, training, consulting and mentoring to develop your women-owned 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 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 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.

  • 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 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.

  • Black-Led Business Financing Program 

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 – 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.

  • 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

Other resources

You can also consult our other directories of financing programs.

You could also avail yourself of non-financial resources to succeed in your business venture.

For any inquiries, please contact our information agents.

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