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FTQ — Business Financing

Tailored financing for Québec businesses

Offered by
Solidarity Funds (FTQ)
Official source: fondsftq.com

Record updated

Funding available
$ 100,000
Deadline
Open continuously
Location
Quebec, Canada
Who can apply
Any business, including social economy companies, headquartered in Québec.
See full eligibility

Overview

Fonds de solidarité FTQ offers financing of up to $100,000, depending on the territory, to SMEs in territories served by a Fonds local and to any business, including social economy companies, headquartered in Québec, to support profitable, job-creating projects. It provides equity loans or conventional loans for start-ups, growth, exports, modernization, and productivity improvements.

At a glance

Funding available

Maximum funding
$100,000
Financing goals
  • Increase performance through digital transformation
  • Improve governance or administrative structure
  • Develop strategic partnerships
  • Complete an acquisition or business transfer
  • Conduct research and development activities
  • Optimize production processes
  • Access new markets
  • Start a business
  • Renovate or expand facilities

Eligible candidates

Location
  • Quebec
Eligible Industries
All industries
Annual revenue
All revenue ranges
Organisation size
All organization sizes
Audience
All groups
Legal structures
For-profit business, Social economy enterprise

Start applying for this program

Take a practical assessment to gain a clear understanding of how well this program aligns with your specific needs and long-term goals.

Availability timeline

2026
Periods: 1

Latest changes

Financing threshold updated

The financing criteria page now routes applications of 250,000$ and up through the main process instead of 100,000$, and applications below 250,000$ to local partners.

See more

The financing criteria page raises the main-process threshold from 100,000$ to 250,000$. Applications below 250,000$ are now directed to local economic development services or Fonds locaux de solidarité FTQ partners, with the linked network target updated accordingly.

Official source: fondsftq.com
September 26, 2026

Eligibility

Who is eligible?

  • Any business, including social economy companies, headquartered in Québec.
  • SMEs located on a territory served by a Fonds local.

Eligible geographic areas

  • Territories served by a Fonds local.

Activities funded

  • Starting or buying a business, and business start-ups.
  • Growth projects, including expanding the business, modernizing facilities, and improving productivity.
  • Exporting goods and services, and reaching new markets.
  • Mergers and acquisitions, business transfers and successions, and shareholder buyout agreements or family succession planning.
  • Working capital, refinancing, research and development, real estate projects, purchasing equipment, automation or robotization, financing intangible assets, and vertical integration projects.

How to apply

  • Fill out the contact form.
  • Speak with one of our financing experts.
  • Provide everything needed to review the application.
  • Sign the financing agreement.

Selection criteria

  • The company's economic viability.
  • Employment spinoffs.
  • Knowledge and experience of the stakeholders.
  • Value placed on human resources.
  • Participation of other financial partners.

Processing and Agreement

  • For requests of $100,000 or more, the process includes preliminary analysis, initial proposal, due diligence, firm commitment, disbursement, and long-term partnership.
  • The process can take one to three months on average.

Additional information

  • ESG criteria are essential for the Fonds de solidarité FTQ's development capital investments.
  • Since 2014, the Fonds has followed a sustainable development policy and performs a social audit of all partner companies.

Official sources

Business financing

Program guide

Financing criteriaHow long does it take to get financing?

Application form

Information request - Business financing - Fonds FTQ
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Frequently Asked Questions about the FTQ — Business Financing Program

What is the FTQ — Business Financing?

Fonds de solidarité FTQ offers financing of up to $100,000, depending on the territory, to SMEs in territories served by a Fonds local and to any business, including social economy companies, headquartered in Québec, to support profitable, job-creating projects. It provides equity loans or conventional loans for start-ups, growth, exports, modernization, and productivity improvements.

How much funding can be received?

FTQ — Business Financing Funds up to $100,000 of admissible expenses.

What is the deadline to apply?

The program is accepting continuous intake

Who is eligible for the FTQ — Business Financing program?

To be eligible for the FTQ — Business Financing program, you must: The applicant must be headquartered in Québec or be an SME in a territory served by a Fonds local. Eligible activity sectors depend on the local action plan and development priorities.

Where is the FTQ — Business Financing available?

The FTQ — Business Financing program is available the province of Quebec.

Is the FTQ — Business Financing a grant, loan, or tax credit?

FTQ — Business Financing is a Loans and Capital investments

Who are the financial supporters of the FTQ — Business Financing?

FTQ — Business Financing is funded by Solidarity Funds (FTQ)