Open

FTQ — Business Financing

Q: How much funding can be received?

FTQ — Business Financing Funds up to 40% of admissible expenses, capped at $5000000 per project.

Q: What is the deadline to apply?

The program is accepting continuous intake

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

FTQ — Business Financing is a Loans and Capital investments

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

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

Q: Who is eligible for the FTQ — Business Financing program?

To be eligible for the FTQ — Business Financing program, you must: • Business headquartered in Québec (including social economy companies). • For Fonds locaux: SME located in a territory served by a Fonds local. • Must meet applicable eligibility conditions (financing subject to compliance).

Q: Who can I contact for more information about the FTQ — Business Financing?

You can contact Solidarity Funds (FTQ) or by phone at 1-800-267-3446.

Q: Where is the FTQ — Business Financing available?

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

Last Update: January 19, 2026

QC, Canada

Provides tailored financing and strategic support for Québec businesses

Loans and Capital investments

At a glance

Funding available

Financing goals

No objectives are currently available

Eligible Funding

Maximum amount : 5,000,000 $
Minimum amount : 100,000 $
Up to 40% of project cost

Timeline

Unspecified

Eligible candidates

Eligible Industries

Agriculture, forestry, fishing and hunting
Construction
Manufacturing
Transportation and warehousing
Information and cultural industries
Professional, scientific and technical services
Arts, entertainment and recreation
Other services (except public administration)
Public administration

Location

Quebec

Legal structures

For-profit business
Social economy enterprise

Annual revenue

All revenue ranges

Organisation size

All organization sizes

Audience

All groups

Overview

FTQ — Business Financing provides business financing of up to $100,000 (depending on territory) to support Québec-based, job-creating projects that help SMEs start, buy, grow, modernize operations, improve productivity, or export. Eligible activities may also include mergers and acquisitions, business transfers and successions, working capital, refinancing, research and development, and real estate projects, subject to applicable eligibility conditions and local development priorities.

Activities funded

Business growth projects.
Mergers and acquisitions.
Business transfers and successions (entrepreneurial acquisition).
Working capital projects.
Business start-ups (starting or buying a business).

Eligibility

The applicant must be a business headquartered in Québec (including social economy companies).
For financing via a Fonds local: the applicant must be an SME located in a territory served by a Fonds local.
The project must fit one of the types of projects the Fonds finances (e.g., growth, mergers and acquisitions, business transfer/succession, working capital, refinancing, start-ups, research and development, or real estate projects).
The project must be economically viable and supported by a realistic business plan.
The project should generate positive impacts, including sustainable job creation and maintenance.

Who is eligible?

Small and medium-sized enterprises (SMEs) headquartered in Québec
SMEs located in a territory served by a Fonds local de solidarité FTQ
Social economy companies headquartered in Québec
Businesses in sectors aligned with a local action plan and development priorities (varies by territory)

Eligible geographic areas

Québec (businesses headquartered in Québec).
Territories served by a Fonds local de solidarité FTQ (for SME financing through Fonds locaux).

Selection criteria

Competent, energetic, credible teams with operational experience.
Shareholders and executives open to having investors and forming alliances/partnerships.
Realistic business plans and concepts.
Innovative products addressing unmet needs.
Encouraging market and profitability prospects and competitive advantages.

How to apply

Check project eligibility fit

Confirm your project fits the types of projects the Fonds most frequently finances
Check that your project aligns with the sectors and initiatives supported

Select a financing solution

Identify the most suitable financing solution for your needs
Decide between an unsecured business loan and share capital participation, if applicable

Review criteria and process

Review the Fonds’ financing criteria and priorities (including ESG criteria)
Understand the process steps and typical timeline (generally 1 to 3 months)

Choose the right entry point

If your request is under $100,000, contact your local economic development department (RCM or equivalent) or an organization associated with a Fonds local
If your request is $100,000 or more, proceed to contact the Fonds via its contact form

Submit the contact form

Submit an information request using the Fonds’ business financing contact form
Provide the personal information required to allow the Fonds to process and communicate about your request

Speak with a financing expert

Speak with a Fonds financing expert

Provide required information

Provide all information needed to analyze your file

Sign the financing agreement

Sign the financing agreement

Additional information

The Fonds offers access to a Québec-wide network, including a head office in Montréal, 17 regional offices, and 98 local solidarity funds (as at May 31, 2025).
Partner companies may access economic training designed to improve employees’ financial literacy.
The Fonds emphasizes a long-term, “patient capital” partnership approach and highlights strategic and human support alongside financing.
Since 2014, the Fonds has followed a sustainable development policy and commits to performing a social audit of all partner companies.

Contacts

1-800-267-3446

QC, Canada

Apply to this program

Frequently Asked Questions about the FTQ — Business Financing Program

Here are answers to the most common questions about the FTQ — Business Financing. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.