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FTQ — Business Financing - Quebec - Canada
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FTQ — Business Financing

Provides tailored financing and strategic support for Québec businesses
Solidarity Funds (FTQ)
Last Update: March 3, 2026
Funding available
$ 100,000 - $ 5,000,000
Timeline
  • Open continuously
Location
Quebec, Canada

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.
/100
Opportunity Score
Moderate potential, but conditions must align.

At a glance

Funding available

Financing goals
  • Increase performance through digital transformation
  • Improve governance or administrative structure
  • Develop strategic partnerships
Eligible Funding
  • Maximum amount : 5,000,000 $
  • Minimum amount : 100,000 $
  • Up to 40% of project cost
Timeline
  • Open continuously

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

Next steps

1
Determine your project
2
Validate your eligibility

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

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).

Processing and Agreement

  • The Fonds reviews your file and analyzes your project; the timeline varies with your needs, project nature, and the availability of your information (generally 1 to 3 months from analysis to disbursement).
  • If the initial analysis is positive, the Fonds issues an initial proposal.
  • The Fonds conducts due diligence before making a firm commitment.
  • Once approved, you sign a financing agreement before funds are disbursed.
  • After disbursement, the relationship continues as a long-term partnership.

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

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.

What is the FTQ — Business Financing?

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.

How much funding can be received?

FTQ — Business Financing Funds up to 40% of admissible expenses, capped at $5,000,000 per project.

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).

What expenses are eligible under FTQ — Business Financing?

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

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.

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

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