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Indigenous Initiatives Fund IV — Loan Guarantees
Loan guarantee support for Indigenous business projects
Last Update: May 14, 2026
Funding available
$ 150,000
Timeline
- Closing date : March 1, 2027
Location
Quebec, Canada
Overview
This program provides a loan guarantee of up to $150,000 for Indigenous economic development initiatives in Québec. It supports startup, development, recovery, and consolidation projects, including eligible project costs and certain debt restructuring expenses.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase performance through digital transformation
- Develop strategic partnerships
- Develop a new program or service
Eligible Funding
- Maximum amount : 150,000 $
- Up to 50% of project cost
Timeline
- Closing date : March 1, 2027
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
- Indigenous Peoples
- Youth (<40)
- Women
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Startup of a business or eligible organization.
- Development or expansion of a business or eligible organization.
- Recovery or relaunch of a business.
- Consolidation of a business or eligible organization.
Documents Needed
- Business plan
- Loan amount request
- Financial need justification
- Project budget and funding breakdown
- Recent financial statements, if applicable
Eligibility
Who is eligible?
- Indigenous businesses.
- Indigenous organizations.
- Indigenous communities.
- Indigenous social economy enterprises.
- Partnerships between Indigenous and non-Indigenous partners.
Who is not eligible
- Entities listed in the Register of Enterprises Ineligible for Public Contracts.
- Entities that defaulted on obligations after formal notice on previous Québec government financial aid.
Eligible expenses
- Capital expenditures directly related to the project.
- Debt consolidation costs for restructuring or relaunching a business.
Ineligible Costs and Activities
- Debt service payments.
- Capital losses.
- Debt linked to a revolving line of credit.
Eligible geographic areas
- Québec.
Selection criteria
- Alignment with program objectives and principles.
- Technical feasibility and realistic timeline.
- Financial feasibility and financing plan quality.
- Quality of the organization and project team.
- Market analysis and expected project results.
How to apply
- Step 1: Prepare the application
- Describe the project and requested loan guarantee.
- Prepare the business plan and supporting financial information.
- Step 2: Submit to the Secretariat
- Send the complete application to the Secrétariat aux Relations avec les Premières Nations et les Inuit.
- Use the program email address for submission and questions.
- Step 3: Review and decision
- The Secretariat reviews the application.
- If needed, partner departments and agencies are consulted.
- A letter of acceptance or refusal is mailed to the applicant.
- Step 4: Finalize funding arrangements
- If approved, sign the loan guarantee agreement.
- The lender and the Government of Québec also establish a banking agreement.
Processing and Agreement
- Applications are reviewed by the Secrétariat aux Relations avec les Premières Nations et les Inuit.
- Other government departments, agencies, or partners may be consulted for relevance, feasibility, and funding options.
- Applicants receive an acceptance or rejection letter by mail.
- Approved projects require a loan guarantee agreement.
- A banking agreement is also set up between the lender and the Government of Québec.
Additional information
- Funding complements other government support.
- A funding agreement is required for approved projects.
- Applicants must declare all confirmed and planned funding sources.
- Projects must be submitted by March 1, 2027 or, for some components, by December 31, 2026.
Contacts
Frequently Asked Questions about the Indigenous Initiatives Fund IV — Loan Guarantees Program
What is the Indigenous Initiatives Fund IV — Loan Guarantees?
This program provides a loan guarantee of up to $150,000 for Indigenous economic development initiatives in Québec. It supports startup, development, recovery, and consolidation projects, including eligible project costs and certain debt restructuring expenses.
How much funding can be received?
Indigenous Initiatives Fund IV — Loan Guarantees Funds up to 50% of admissible expenses, capped at $150,000 per project.
Who is eligible for the Indigenous Initiatives Fund IV — Loan Guarantees program?
To be eligible for the Indigenous Initiatives Fund IV — Loan Guarantees program, you must:
Startup, development, recovery, or consolidation project
Aligns with program objectives
Submitted by deadline
What expenses are eligible under Indigenous Initiatives Fund IV — Loan Guarantees?
Startup of a business or eligible organization.
Development or expansion of a business or eligible organization.
Recovery or relaunch of a business.
Consolidation of a business or eligible organization.
Who can I contact for more information about the Indigenous Initiatives Fund IV — Loan Guarantees?
You can contact Government of Québec by email at financement_fia4@mce.gouv.qc.ca or by phone at none.
Where is the Indigenous Initiatives Fund IV — Loan Guarantees available?
The Indigenous Initiatives Fund IV — Loan Guarantees program is available the province of Quebec.
Is the Indigenous Initiatives Fund IV — Loan Guarantees a grant, loan, or tax credit?
Indigenous Initiatives Fund IV — Loan Guarantees is a Grant and Funding