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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.

57 programs available
  • Quebec City logo
    Grant and FundingOpen

    Capitale-Innovation

    Quebec City
    Supports innovative product commercialization and growth
    Eligible Funding
    • Maximum amount : 500,000 $
    • Up to 0.5% of project cost
    Eligible Industries
    • Agriculture, forestry, fishing and hunting
    • Manufacturing
    • Information and cultural industries
    • Finance and insurance
    Timeline
    • Open Date : August 27, 2025
    Quebec, Canada
  • Quebec City logo
    Grant and FundingOpen

    Quebec City — Major projects

    Quebec City
    Funding for major investment projects in Quebec City
    Eligible Funding
    • Maximum amount : 1,000,000 $
    • Up to 0.25% of project cost
    Eligible Industries
    • Utilities
    • Manufacturing
    • Information and cultural industries
    • Finance and insurance
    Types of eligible projects
    Artificial Intelligence (AI)TechnologyEnvironment and ClimateConstruction and Renovation InnovationDigital Transformation
    Quebec, Canada
  • Quebec City logo
    Grant and FundingOpen

    Guidance grants

    Quebec City
    Business growth support through specialized consulting
    Eligible Funding
    • Maximum amount : 30,000 $
    • Up to 0.8% of project cost
    Eligible Industries
    • Agriculture, forestry, fishing and hunting
    • Utilities
    • Manufacturing
    • Information and cultural industries
    Types of eligible projects
    Quebec, Canada
  • Filaction logo
    Loans and Capital investmentsOpen

    Mosaic Fund

    Filaction
    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
    Quebec, Canada
  • Thetford Region Economic Development Corporation logo
    Loans and Capital investmentsOpen

    SDE Thetford — Local Investment Fund (LIF)

    Thetford Region Economic Development Corporation
    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
    Quebec, Canada
  • MRC Domaine-du-Roy (MRC) logo
    Loans and Capital investmentsOpen

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

    MRC Domaine-du-Roy (MRC)
    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
    Timeline
    • Open Date : October 11, 2023
    Quebec, Canada
  • La Caisse Solidaire logo
    Other SupportPartnering and CollaborationGrant and FundingOpen

    Community Development Assistance Fund

    La Caisse Solidaire
    Community funding for collective and impactful projects
    Eligible Funding
    • Maximum amount : 30,000 $
    Eligible Industries
    • Finance and insurance
    Timeline
    • Closing date : August 24, 2026
    Quebec, Canada
  • Desjardins logo
    Other SupportLoans and Capital investmentsOpen

    Desjardins — Agriculture loans and financing

    Desjardins
    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
    Quebec, Canada
  • Revenu Québec logo
    Tax CreditsOpen

    Payroll tax credit – CFI

    Revenu Québec
    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
    Montreal, Quebec, Canada
  • Québec International logo
    Partnering and CollaborationExpert AdviceOpen

    Quebec International — International recruiting

    Québec International
    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
    Quebec, Canada
  • Québec International logo
    Grant and FundingExpert AdviceOpen

    Quebec International — Set up or expand a business

    Québec International
    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
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingLoans and Capital investmentsOpen

    Technology showcase - pre-commercialization of innovation

    Quebec City
    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
    Timeline
    • Open Date : April 13, 2023
    Quebec City, Quebec, Canada
  • MRC Brome-Missisquoi logo
    Grant and FundingSuspended

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

    MRC Brome-Missisquoi, Quebec Housing Society (SHQ)
    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
    Quebec, Canada
  • Desjardins logo
    Grant and FundingExpert AdviceLoans and Capital investmentsClosed

    Startup in residence

    Desjardins
    Acceleration and investment for tech startups
    Eligible Funding
    • From $15,000 to $250,000
    Eligible Industries
    • Information and cultural industries
    • Finance and insurance
    • Real estate and rental and leasing
    • Professional, scientific and technical services
    Types of eligible projects
    CommercializationArtificial Intelligence (AI)Digital Transformation
    Quebec, Canada
  • Government of Québec logo
    Other SupportWage Subsidies And InternsClosed

    DuoEmploi – Internships for people with disabilities

    Government of Québec
    One-day internships connecting talent and businesses
    Eligible Funding
    • Varies by project
    Eligible Industries
    • Construction
    • Retail trade
    • Information and cultural industries
    • Finance and insurance
    Timeline
    • Closing date : June 30, 2026
    Quebec, Canada
  • Investissement Québec (IQ) logo
    Grant and FundingClosed

    Group Entrepreneurship Capital Program

    Investissement Québec (IQ)
    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
    Timeline
    • Open Date : September 8, 2025
    • Closing date : October 24, 2025
    Quebec, Canada
  • Quebec City Junior Chamber of Commerce (JCCQ) logo
    Grant and FundingClosed

    Ascension competition

    Quebec City Junior Chamber of Commerce (JCCQ)
    Pitch competition for early-stage Quebec startups
    Eligible Funding
    • Maximum amount : 60,000 $
    Eligible Industries
    • Construction
    • Manufacturing
    • Retail trade
    • Transportation and warehousing
    Timeline
    • Closing date : January 23, 2025
    Quebec, Canada
  • Internet Society Foundation logo
    Grant and FundingClosed

    BOLT Grant Program

    Internet Society Foundation
    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
    Timeline
    • Closing date : August 6, 2024
    Quebec, Canada
  • Fonds RISQ (RISQ) logo
    Loans and Capital investmentsClosed

    Capital lending

    Fonds RISQ (RISQ)
    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
  • The J.W. McConnell Family Foundation (MCF) logo
    Grant and FundingClosed

    Climate focus area

    The J.W. McConnell Family Foundation (MCF)
    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
    Quebec, Canada
  • Medavie Blue Cross logo
    Grant and FundingClosed

    Corporate charitable giving program

    Medavie Blue Cross
    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
    NB, Quebec, Canada
  • Investissement Québec (IQ) logo
    Loans and Capital investmentsClosed

    Eurêka Investment Fund

    Investissement Québec (IQ)
    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
    Quebec, Canada
  • Evol logo
    Loans and Capital investmentsClosed

    Evol — Conventional start-up loan

    Evol
    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
    Timeline
    • Open Date : January 1, 2024
    • Closing date : December 31, 2024
    Quebec, Canada
  • Fiera Capital Foundation logo
    Loans and Capital investmentsClosed

    Flow Capital — General Funding

    Fiera Capital Foundation
    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
    BC, Ontario, Quebec, Canada
  • Fonds RISQ (RISQ) logo
    Loans and Capital investmentsClosed

    Innovation and Growth Fund in Social Economy

    Fonds RISQ (RISQ)
    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 (MRC) logo
    Other SupportPartnering and CollaborationGrant and FundingLoans and Capital investmentsClosed

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

    MRC La Haute-Côte-Nord (MRC)
    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 investmentsClosed

    Microcrédit

    Québec Loan Fund
    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
  • Québec International logo
    Other SupportExpert AdviceClosed

    Quebec International — Starting a business and making it grow

    Québec International
    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
    Quebec City, Quebec, Canada
  • Government of Québec logo
    Partnering and CollaborationGrant and FundingClosed

    Québec-Senegal Cooperation Call for Projects

    Government of Québec
    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
    Quebec, Canada
  • Raven Outcomes logo
    Partnering and CollaborationLoans and Capital investmentsClosed

    Raven Outcomes — Indigenous Outcomes Fund

    Raven Outcomes
    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
    BC, Manitoba, Quebec, Saskatchewan, Canada
  • City of Trois-Rivières logo
    Grant and FundingClosed

    Revitalising and developing business establishments in the city centre

    City of Trois-Rivières
    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
    Timeline
    • Open Date : April 1, 2024
    • Closing date : July 31, 2024
    Trois-Rivieres, Quebec, Canada
  • Saltire Foundation Canada logo
    Wage Subsidies And InternsClosed

    Saltire Scholars Internship Program

    Saltire Foundation Canada
    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
    Ontario, Quebec, Canada
  • CDE of the Laurentians (CDE) logo
    Loans and Capital investmentsClosed

    Société d'investissement de capital Laurentides

    CDE of the Laurentians (CDE)
    Financing for business growth in the Laurentides
    Eligible Funding
    • Maximum amount : 150,000 $
    Eligible Industries
    • Manufacturing
    • Transportation and warehousing
    • Information and cultural industries
    • Finance and insurance
    Types of eligible projects
    Business BuyoutInnovation
    Quebec, Canada
  • Entreprendre Ici logo
    Expert AdviceClosed

    Support for entrepreneurs from diverse backgrounds

    Entreprendre Ici
    Business support network for diverse entrepreneurs
    Eligible Funding
    • Varies by project
    Eligible Industries
    • Transportation and warehousing
    • Information and cultural industries
    • Finance and insurance
    • Professional, scientific and technical services
    Types of eligible projects
    Human Resources
    Quebec, Canada
  • Centre Québécois de Développement Durable logo
    Expert AdviceClosed

    Sustainable financing

    Centre Québécois de Développement Durable
    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
    Quebec, Canada
  • Laval Economique logo
    Partnering and CollaborationGrant and FundingExpert AdviceClosed

    Terro X

    Laval Economique
    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
    Laval, Quebec, Canada
  • Quebec City logo
    Other SupportGrant and FundingArchived

    Business growth — Éco-Capitale

    Quebec City
    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
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingArchived

    Business Growth — Growth support vouchers

    Quebec City
    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
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingArchived

    Défi-Québec, Sustainable City

    Quebec 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
    Quebec City, Quebec, Canada
  • Quebec City logo
    Researchers And FacilitiesArchived

    Infrastructure de recherche et développement

    Quebec City
    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
    Quebec City, Quebec, Canada
  • Quebec City logo
    Grant and FundingLoans and Capital investmentsArchived

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

    Quebec City
    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
    Quebec City, Quebec, Canada
  • Social Economy Cluster — Central Quebec logo
    Grant and FundingArchived

    Social economy support program (PSES) – Stream 2

    Social Economy Cluster — Central Quebec
    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
    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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