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Grants and Funding for Financial Services in Quebec in 2026

Quebec’s financial services ecosystem—banks, credit unions, fintech, insurtech, regtech, and payments—can access a wide range of grants, tax incentives, and co‑funding opportunities. In 2026, federal and provincial programs support innovation, cybersecurity, AI, digital adoption, export development, and workforce upskilling. This directory explains key options, eligibility, timelines, and how to structure successful applications.

53 programs
  • Filaction logo
    Loans and Capital investmentsOpen

    Afro-Entrepreneurs Fund

    Financing for growth and business takeovers
    Eligible Funding
    From $50,000 to $500,000
    Eligible Industries
    Construction, Transportation and warehousing, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    Business Buyout
    Legal Structure
    For-profit business
    Quebec, Canada
  • Développement économique de l'agglomération de Longueuil (DEL) logo
    Loans and Capital investmentsOpen

    DEL — Business Acquisition Loan

    Financing for business acquisition and succession
    Eligible Funding
    Maximum amount : 150,000 $ · Up to 25% of project cost
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Legal Structure
    For-profit business
    Timeline
    Open Date : July 9, 2024
    Quebec, Canada
  • Filaction logo
    Loans and Capital investmentsOpen

    Mosaic Fund

    Business loans for Quebec's cultural communities entrepreneurs
    Eligible Funding
    From $50,000 to $500,000
    Eligible Industries
    Construction, Manufacturing, Wholesale trade, Retail trade
    Types of eligible projects
    Business Buyout
    Legal Structure
    For-profit business, Social economy enterprise
    Quebec, Canada
  • Thetford Region Economic Development Corporation logo
    Loans and Capital investmentsOpen

    SDE Thetford — Local Investment Fund (LIF)

    Business financing for growth and succession in Thetford
    Eligible Funding
    Maximum amount : 300,000 $ · Up to 50% of project cost
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Types of eligible projects
    Business BuyoutDigital Transformation
    Legal Structure
    For-profit business, Social economy enterprise
    Quebec, Canada
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  • MRC Domaine-du-Roy logo
    Loans and Capital investmentsOpen

    MRC Domaine-du-Roy — Local Investment Fund (LIF)

    Local business financing for growth and succession
    Eligible Funding
    Varies by project
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Utilities, Manufacturing, Information and cultural industries
    Legal Structure
    Non-profit, Public or Parapublic institution, Non-financial cooperative, Social economy enterprise, For-profit business
    Timeline
    Open Date : October 11, 2023
    Quebec, Canada
  • Eligible Funding
    From $5,000 to $250,000 · Up to 50% of project cost
    Eligible Industries
    Construction, Manufacturing, Wholesale trade, Retail trade
    Types of eligible projects
    CommercializationTechnologyConstruction and Renovation Business BuyoutDigital Transformation
    Legal Structure
    For-profit business
    Quebec, Canada
  • Eligible Funding
    From $90 to $750,000
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Types of eligible projects
    Legal Structure
    Non-profit, Non-financial cooperative, For-profit business, Public or Parapublic institution
    Quebec, Canada
  • Fonds RISQ (RISQ) logo
    Loans and Capital investmentsOpen

    Capital lending

    Financing for social economy business capitalization
    Eligible Funding
    From $25,000 to $1,000,000 · Up to 35% of project cost
    Eligible Industries
    Finance and insurance
    Types of eligible projects
    TechnologyConstruction and Renovation Innovation
    Quebec, Canada
  • Get grants for financial services in Quebec for your business

    Tell us about your business and project so we can identify relevant funding programs and practical next steps.

  • The J.W. McConnell Family Foundation (MCF) logo
    Grant and FundingOpen

    Climate focus area

    Support for climate solutions in Canada
    Eligible Funding
    Varies by project
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Utilities, Construction, Manufacturing
    Types of eligible projects
    Environment and ClimateInnovation
    Legal Structure
    Non-profit
    Quebec, Canada
  • Medavie Blue Cross logo
    Grant and FundingOpen

    Corporate charitable giving program

    Corporate giving for health-focused community causes
    Eligible Funding
    Varies by project
    Eligible Industries
    Finance and insurance, Health care and social assistance
    Types of eligible projects
    Legal Structure
    Non-profit
    NB, Quebec, Canada
  • Desjardins logo
    Other SupportLoans and Capital investmentsOpen

    Desjardins — Agriculture loans and financing

    Customized agricultural financing and advisory support for farm businesses
    Eligible Funding
    Varies by project
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Finance and insurance
    Types of eligible projects
    TechnologyEnvironment and ClimateBusiness BuyoutInnovation
    Legal Structure
    For-profit business, Sole proprietorship
    Quebec, Canada
  • Platform

    Discovery at scale.

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  • Investissement Québec (IQ) logo
    Loans and Capital investmentsOpen

    Eurêka Investment Fund

    Supports commercialization of Quebec public research
    Eligible Funding
    Varies by project
    Eligible Industries
    Manufacturing, Information and cultural industries, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    CommercializationInnovation
    Legal Structure
    For-profit business
    Quebec, Canada
  • Fiera Capital Foundation logo
    Loans and Capital investmentsOpen

    Flow Capital — General Funding

    Flexible growth capital for high-growth companies
    Eligible Funding
    From $2,000,000 to $10,000,000
    Eligible Industries
    Information and cultural industries, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    CommercializationInnovation
    Legal Structure
    For-profit business
    BC, Ontario, Quebec, Canada
  • The J.W. McConnell Family Foundation (MCF) logo
    Grant and FundingOpen

    For applicants

    Support for system-changing initiatives across Canada
    Eligible Funding
    Varies by project
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Utilities, Transportation and warehousing, Finance and insurance
    Types of eligible projects
    Environment and Climate
    Legal Structure
    Non-profit
    Quebec, Canada
  • Turn funding opportunities for financial services in Quebec into strong applications

    Build a clearer funding plan and prepare stronger applications with guidance from our funding team.

  • Fonds RISQ (RISQ) logo
    Loans and Capital investmentsOpen

    Innovation and Growth Fund in Social Economy

    Revenue-based financing for social economy growth
    Eligible Funding
    Maximum amount : 250,000 $
    Eligible Industries
    Finance and insurance, Professional, scientific and technical services, Administrative and support, waste management and remediation services, Health care and social assistance
    Types of eligible projects
    CommercializationEnvironment and ClimateHuman ResourcesInnovation
    Quebec, Canada
  • MRC La Haute-Côte-Nord logo
    Other SupportPartnering and CollaborationGrant and FundingLoans and Capital investmentsOpen

    Joint FLI/FLS Investment Policy – Local Investment and Solidarity Funds

    Financing for business growth and succession
    Eligible Funding
    Maximum amount : 150,000 $ · Up to 50% of project cost
    Eligible Industries
    Construction, Manufacturing, Wholesale trade, Retail trade
    Types of eligible projects
    CommercializationConstruction and Renovation Business BuyoutDigital Transformation
    Quebec, Canada
  • Québec Loan Fund logo
    Loans and Capital investmentsOpen

    Microcrédit

    Financing for viable business start-up or growth projects
    Eligible Funding
    Maximum amount : 20,000 $ · Up to 50% of project cost
    Eligible Industries
    Construction, Manufacturing, Retail trade, Finance and insurance
    Types of eligible projects
    CommercializationBusiness BuyoutInnovation
    Quebec, Canada
  • Revenu Québec logo
    Tax CreditsOpen

    Payroll tax credit – CFI

    Payroll tax incentive for international financial sector employers in Montreal
    Eligible Funding
    Varies by project
    Eligible Industries
    Finance and insurance
    Types of eligible projects
    Human Resources
    Legal Structure
    For-profit business
    Montreal, Quebec, Canada
  • Platform

    Your AI grant expert.

    Meet Charles. An AI trained specifically for grants. Get instant answers to complex qualification questions.
  • Québec International logo
    Grant and FundingExpert AdviceOpen

    Quebec International — Set up or expand a business

    Business setup and expansion support in Québec City
    Eligible Funding
    Varies by project
    Eligible Industries
    Manufacturing, Information and cultural industries, Finance and insurance, Health care and social assistance
    Types of eligible projects
    TechnologyBusiness BuyoutInnovationDigital Transformation
    Legal Structure
    For-profit business
    Quebec City, Quebec, Canada
  • Québec International logo
    Other SupportExpert AdviceOpen

    Quebec International — Starting a business and making it grow

    Business support for startups and growing companies
    Eligible Funding
    Varies by project
    Eligible Industries
    Manufacturing, Information and cultural industries, Finance and insurance, Health care and social assistance
    Types of eligible projects
    CommercializationTechnologyInnovation
    Legal Structure
    For-profit business
    Quebec City, Quebec, Canada
  • Raven Outcomes logo
    Partnering and CollaborationLoans and Capital investmentsOpen

    Raven Outcomes — Indigenous Outcomes Fund

    Indigenous-led outcomes finance for community solutions
    Eligible Funding
    Varies by project
    Eligible Industries
    Utilities, Construction, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    Environment and Climate
    Legal Structure
    Non-profit
    BC, Manitoba, Quebec, Saskatchewan, Canada
  • Need help applying for grants for financial services in Quebec?

    Get guidance to assess program fit, required documents, and the steps involved in applying.

  • City of Trois-Rivières logo
    Grant and FundingOpen

    Revitalising and developing business establishments in the city centre

    Financial support for downtown business development
    Eligible Funding
    Maximum amount : 30,000 $ · Up to 50% of project cost
    Eligible Industries
    Retail trade, Finance and insurance, Real estate and rental and leasing, Professional, scientific and technical services
    Types of eligible projects
    Construction and Renovation
    Legal Structure
    For-profit business, Sole proprietorship
    Trois-Rivieres, Quebec, Canada
  • Saltire Foundation Canada logo
    Wage Subsidies And InternsOpen

    Saltire Scholars Internship Program

    Supports a fully funded internship placement
    Eligible Funding
    Varies by project
    Eligible Industries
    Finance and insurance, Professional, scientific and technical services, Administrative and support, waste management and remediation services, Educational services
    Types of eligible projects
    Human Resources
    Legal Structure
    For-profit business
    Ontario, Quebec, Canada
  • Centre Québécois de Développement Durable logo
    Expert AdviceOpen

    Sustainable financing

    Support for ESG integration in business financing
    Eligible Funding
    Varies by project
    Eligible Industries
    Finance and insurance, Professional, scientific and technical services, Public administration
    Types of eligible projects
    Environment and Climate
    Legal Structure
    Public or Parapublic institution
    Quebec, Canada
  • Revenu Québec logo
    Tax CreditsOpen

    Tax credit for a new financial services corporation

    Tax credit for eligible financial services companies
    Eligible Funding
    Varies by project
    Eligible Industries
    Finance and insurance
    Types of eligible projects
    Human ResourcesInnovation
    Legal Structure
    For-profit business
    Quebec, Canada
  • Platform

    Never miss an opportunity.

    Funding cycles open and close within days. Our real-time engine monitors policy changes and alerts you as soon as a new matching opportunity appears.
  • MRC Brome-Missisquoi logo
    Grant and FundingSuspended

    MRC Brome-Missisquoi — Petits établissements accessibles (PEA) program

    Funding for accessibility upgrades in small establishments
    Eligible Funding
    Maximum amount : 30,000 $ · Up to 90% of project cost
    Eligible Industries
    Retail trade, Finance and insurance, Professional, scientific and technical services, Health care and social assistance
    Types of eligible projects
    Construction and Renovation
    Legal Structure
    Non-profit, Sole proprietorship, Public or Parapublic institution, For-profit business
    Quebec, Canada
  • Quebec City logo
    Other SupportGrant and FundingClosed

    Business growth — Éco-Capitale

    Funding for eco-responsible business transformation
    Eligible Funding
    Maximum amount : 500,000 $ · Up to 50% of project cost
    Eligible Industries
    Manufacturing, Retail trade, Information and cultural industries, Finance and insurance
    Types of eligible projects
    Environment and ClimateConstruction and Renovation
    Legal Structure
    For-profit business
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingClosed

    Business Growth — Growth support vouchers

    Grant program supports strategic consultancy for business growth
    Eligible Funding
    Maximum amount : 25,000 $ · Up to 50% of project cost
    Eligible Industries
    Manufacturing, Information and cultural industries, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    TechnologyEnvironment and ClimateInnovation
    Legal Structure
    For-profit business, Social economy enterprise, Sole proprietorship
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingClosed

    Défi-Québec, Sustainable City

    Support eco-friendly projects in Québec businesses
    Eligible Funding
    Maximum amount : 50,000 $
    Eligible Industries
    Manufacturing, Transportation and warehousing, Finance and insurance, Arts, entertainment and recreation
    Types of eligible projects
    TechnologyConstruction and Renovation Innovation
    Legal Structure
    Non-financial cooperative, For-profit business, Social economy enterprise, Sole proprietorship
    Quebec City, Quebec, Canada
  • Government of Québec logo
    Other SupportWage Subsidies And InternsClosed

    DuoEmploi – Internships for people with disabilities

    One-day internships connecting talent and businesses
    Eligible Funding
    Varies by project
    Eligible Industries
    Construction, Retail trade, Information and cultural industries, Finance and insurance
    Types of eligible projects
    Human Resources
    Legal Structure
    For-profit business
    Quebec, Canada
  • Find funding programs for financial services in Quebec that fit your project

    Share your project context to review funding options that may match your goals.

  • Investissement Québec (IQ) logo
    Grant and FundingClosed

    Group Entrepreneurship Capital Program

    Finances real estate projects for social economy enterprises
    Eligible Funding
    Maximum amount : 500,000 $ · Up to 50% of project cost
    Eligible Industries
    Finance and insurance, Educational services, Health care and social assistance, Arts, entertainment and recreation
    Types of eligible projects
    Construction and Renovation
    Legal Structure
    Social economy enterprise
    Quebec, Canada
  • Quebec City Junior Chamber of Commerce (JCCQ) logo
    Grant and FundingClosed

    Ascension competition

    Pitch competition for early-stage Quebec startups
    Eligible Funding
    Maximum amount : 60,000 $
    Eligible Industries
    Construction, Manufacturing, Retail trade, Transportation and warehousing
    Types of eligible projects
    CommercializationInnovation
    Legal Structure
    For-profit business, Financial cooperative, Non-profit, Sole proprietorship, Public or Parapublic institution, Non-financial cooperative, Social economy enterprise
    Quebec, Canada
  • Internet Society Foundation logo
    Grant and FundingClosed

    BOLT Grant Program

    Supports projects expanding global Internet connectivity through prototypes and pilots.
    Eligible Funding
    Maximum amount : 300,000 $
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Types of eligible projects
    Legal Structure
    Non-profit
    Quebec, Canada
  • La Caisse Solidaire logo
    Other SupportPartnering and CollaborationGrant and FundingClosed

    Community Development Assistance Fund

    Community funding for collective and impactful projects
    Eligible Funding
    Maximum amount : 30,000 $
    Eligible Industries
    Finance and insurance
    Types of eligible projects
    Environment and ClimateConstruction and Renovation
    Quebec, Canada
  • Ministère de l'économie, de l'innovation et de l'énergie du Québec (MEIE) logo
    Grant and FundingClosed

    Entrepreneurial Assistance Program (PAEN)

    Supports entrepreneurship development and innovative business growth in Quebec
    Eligible Funding
    Varies by project
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Types of eligible projects
    Human ResourcesInnovation
    Legal Structure
    For-profit business, Social economy enterprise
    Quebec, Canada
  • Platform

    Data-driven strategy.

    Leverage historical data to predict your likelihood of success. See how you compare against industry benchmarks and optimize your capital structure.
  • Evol logo
    Loans and Capital investmentsClosed

    Evol — Conventional start-up loan

    Startup financing for eligible Québec businesses
    Eligible Funding
    From $20,000 to $450,000
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Mining, quarrying, and oil and gas extraction, Utilities, Construction
    Types of eligible projects
    CommercializationConstruction and Renovation Business BuyoutDigital Transformation
    Legal Structure
    For-profit business
    Quebec, Canada
  • Quebec City logo
    Researchers And FacilitiesClosed

    Infrastructure de recherche et développement

    Funding for dedicated R&D infrastructure projects
    Eligible Funding
    Maximum amount : 500,000 $ · Up to 50% of project cost
    Eligible Industries
    Construction, Manufacturing, Wholesale trade, Information and cultural industries
    Types of eligible projects
    TechnologyConstruction and Renovation Innovation
    Legal Structure
    For-profit business, Social economy enterprise, Sole proprietorship
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingLoans and Capital investmentsClosed

    Québec city — Supporting the development of the Saint-Roch district

    Financial support for business development projects in Saint-Roch
    Eligible Funding
    Maximum amount : 500,000 $ · Up to 25% of project cost
    Eligible Industries
    Information and cultural industries, Finance and insurance, Professional, scientific and technical services, Arts, entertainment and recreation
    Types of eligible projects
    Artificial Intelligence (AI)TechnologyInnovationDigital Transformation
    Legal Structure
    For-profit business, Social economy enterprise
    Quebec City, Quebec, Canada
  • Québec International logo
    Partnering and CollaborationExpert AdviceClosed

    Quebec International — International recruiting

    International recruitment support in Québec City
    Eligible Funding
    Varies by project
    Eligible Industries
    Manufacturing, Information and cultural industries, Finance and insurance, Health care and social assistance
    Types of eligible projects
    Human Resources
    Legal Structure
    For-profit business
    Quebec, Canada
  • Government of Québec logo
    Partnering and CollaborationGrant and FundingClosed

    Québec-Senegal Cooperation Call for Projects

    Support for Quebec-Senegal cooperation projects
    Eligible Funding
    Maximum amount : 10,000 $
    Eligible Industries
    Manufacturing, Transportation and warehousing, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    CommercializationEnvironment and ClimateInnovation
    Legal Structure
    Non-profit, For-profit business
    Quebec, Canada
  • Get grants for financial services in Quebec for your business

    Tell us about your business and project so we can identify relevant funding programs and practical next steps.

  • Social Economy Cluster — Central Quebec logo
    Grant and FundingClosed

    Social economy support program (PSES) – Stream 2

    Supports development of strategic sectors in Quebec’s social economy
    Eligible Funding
    Maximum amount : 500,000 $ · Up to 70% of project cost
    Eligible Industries
    Construction, Manufacturing, Retail trade, Transportation and warehousing
    Types of eligible projects
    Environment and ClimateHuman ResourcesInnovation
    Legal Structure
    Social economy enterprise
    Quebec, Canada
  • Quebec City logo
    Grant and FundingLoans and Capital investmentsClosed

    Technology showcase - pre-commercialization of innovation

    Supports pre-commercial testing of innovative technologies and products
    Eligible Funding
    Maximum amount : 250,000 $ · Up to 50% of project cost
    Eligible Industries
    Agriculture, forestry, fishing and hunting, Manufacturing, Information and cultural industries, Finance and insurance
    Types of eligible projects
    TechnologyInnovation
    Legal Structure
    Sole proprietorship, Social economy enterprise, For-profit business
    Quebec City, Quebec, Canada
  • Laval Economique logo
    Other SupportPartnering and CollaborationGrant and FundingExpert AdviceClosed

    Terro X

    Acceleration and networking for tech startups
    Eligible Funding
    Maximum amount : 25,000 $
    Eligible Industries
    Manufacturing, Retail trade, Finance and insurance, Professional, scientific and technical services
    Types of eligible projects
    CommercializationArtificial Intelligence (AI)TechnologyInnovationDigital Transformation
    Legal Structure
    For-profit business
    Laval, Quebec, Canada

Frequently asked questions about funding for financial services in Quebec

Find clear answers about grants, tax credits, and programs supporting fintech, banks, credit unions, and financial IT projects in Quebec.

What grants are available for financial services in Quebec?

Quebec organizations can access non‑repayable grants, tax credits, and financing for innovation, cybersecurity, AI, payments, and export growth. Key options include Investissement Québec programs (ESSOR, Productivité innovation), federal IRAP and SR&ED, CDAP for digital adoption, and CanExport. Regional agencies may add hiring and training subsidies. Eligibility depends on project scope, size, and impact.

How do I apply for IRAP funding for a fintech project in Quebec?

Start by defining your R&D scope, milestones, and technical risks. Meet with an IRAP advisor, prepare a budget, team CVs, and a commercialization plan. Keep SR&ED stacking in mind and separate cost categories. helloDarwin can streamline eligibility assessment and documentation to strengthen your application.

Which tax credits apply to financial software R&D in Quebec?

Most firms consider federal SR&ED combined with Quebec R&D incentives. The CDAE credit may apply to eligible e‑business development, and C3i supports investment in equipment and software. Document uncertainties, experiments, and outcomes to substantiate claims. Align costs precisely with each instrument’s rules.

Are there grants for cybersecurity, PCI DSS, and ISO 27001 in Quebec’s finance sector?

Yes. Programs cover cybersecurity audits, penetration testing, SOC 2 readiness, SIEM/SOC deployments, and training. Some incentives support ISO/IEC 27001 and PCI DSS remediation. Position projects around risk reduction, compliance, and measurable outcomes to enhance eligibility.

How can Quebec banks fund ISO 20022 and real‑time payments migration?

Institutions often combine Investissement Québec financing with modernization grants, and consider Scale AI for fraud analytics or routing optimization. SR&ED may apply to novel algorithms. A clear roadmap linking compliance, performance, and customer impact is key.

Are there funding options for KYC automation and identity verification?

Programs supporting digital transformation and regtech can co‑fund KYC automation, identity verification, and onboarding modernization. Consider IRAP for R&D elements and provincial incentives for deployment and change management. helloDarwin can help map stacking strategies and eligible cost lines.

What export grants can Quebec fintech firms use to expand to the USA or EU?

CanExport supports market research, marketing, and trade shows, while provincial and municipal partners may add export marketing grants. Localization, certifications, and bilingual support are often eligible. Coordinate calendars and match funding requirements.

How long does grant approval typically take for Quebec financial services projects?

Timelines vary by program. Some accept rolling applications; others run in calls or annual windows. Build buffer time for due diligence, contracting, and claim processing. helloDarwin’s structured process and SaaS tracking help maintain documentation and deadlines.

Can we combine SR&ED, IRAP, and Investissement Québec support?

Yes, but manage stacking carefully by separating activities, timeframes, and cost categories. Use a matrix to assign each expense to one instrument and avoid over‑funding. Keep audit‑ready records and align claims to program guidelines.

How does helloDarwin help financial services teams secure funding?

helloDarwin combines expert consulting with a SaaS platform to simplify discovery, eligibility checks, and application management. We map grants, tax credits, and financing that fit fintech, payments, regtech, banks, and credit unions. This dual approach reduces complexity, clarifies stacking, and accelerates compliant submissions.

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