Closed
Last Update: May 6, 2026
Funding available
$ 25,000 - $ 1,000,000
Timeline
- Receipt of requests is now closed
Location
Quebec, Canada
Overview
This financing supports social economy enterprises through loans for capitalization. It can help fund startup, development, expansion, and restructuring projects.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Improve governance or administrative structure
- Increase production or service capacity
- Increase operational productivity
Eligible Funding
- Maximum amount : 1,000,000 $
- Minimum amount : 25,000 $
- Up to 35% of project cost
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Finance and insurance
Location
- Quebec
Legal structures
- All legal structures
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- All groups
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Startup projects with capitalization support
- Business development and expansion projects with capitalization support
- Business restructuring projects aimed at viability or consolidation
Documents Needed
- Completed application form
- Signed declarations and consent form
- Board resolution authorizing the signatory
- Recent financial statements and annual report
- Business plan and supporting project documents
Eligibility
Who is eligible?
- Non-profit organizations
- Cooperatives and cooperative federations or confederations
- For-profit companies controlled by cooperatives or non-profit organizations
Who is not eligible
- Cooperatives of worker-shareholders
- Businesses in the finance and insurance sectors
Eligible expenses
- Working capital needs
- Development-related professional and consulting fees
- Capital expenditures such as land, buildings, equipment, and vehicles
- Technology acquisitions such as software, packages, and patents
Eligible geographic areas
- Quebec
How to apply
- Step 1: Contact the financing team
- Contact your dedicated account manager in social economy.
- If you do not have one, contact the service desk to be assigned an account manager in your region.
- Step 2: Submit the application file
- Send the required application documents to open your file.
- Include the completed application form and the declarations and consent form.
- Step 3: File review and decision
- The file is analyzed, discussed, and presented to the investment committee.
- If approved, sign the investment offer and complete the required conditions before disbursement.
Processing and Agreement
- The application is reviewed by the organization’s teams for eligibility, analysis, and decision.
- A dedicated analyst reviews the file and may discuss it with the applicant.
- The file is then presented to the investment committee for a decision.
- If approved, an investment offer is signed before disbursement.
- The loan is followed by the organization until full repayment.
Contacts
Frequently Asked Questions about the Capital lending Program
What is the Capital lending?
This financing supports social economy enterprises through loans for capitalization. It can help fund startup, development, expansion, and restructuring projects.
How much funding can be received?
Capital lending Funds up to 35% of admissible expenses, capped at $1,000,000 per project.
Who is eligible for the Capital lending program?
To be eligible for the Capital lending program, you must:
Registered and active in Quebec.
Assets of $100 million or less.
Social economy capitalization project.
What expenses are eligible under Capital lending?
Startup projects with capitalization support
Business development and expansion projects with capitalization support
Business restructuring projects aimed at viability or consolidation
Who can I contact for more information about the Capital lending?
You can contact Fonds RISQ (RISQ) by email at isabelle.cote@fonds-risq.qc.ca or by phone at 514-866-2355.
Where is the Capital lending available?
The Capital lending program is available the province of Quebec.
Is the Capital lending a grant, loan, or tax credit?
Capital lending is a Loans and Capital investments