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Source verified August 10, 2026
Loan Guarantees at Advantage Plus Rate
Agricultural loan guarantees with reduced interest rates
Latest source updateLast Update: July 6, 2026Latest change: The Interest Rate Reduction page was updated with a new update date and revised application-period rows for several banks, along with changed reduction values.View change
Latest source update
Last Update: July 6, 2026
Latest change: The Interest Rate Reduction page was updated with a new update date and revised application-period rows for several banks, along with changed reduction values.
Interest rate reduction table updated
The Interest Rate Reduction page now shows Updated on July 3, 2026 instead of May 11, 2026, and several bank tables have been revised with new application periods, including July 2026 and June 2026 rows. The interest-rate reduction values also changed for multiple institutions; for example, Banque Canadienne Impériale de Commerce now shows a 2026-07-01 to 2026-07-31 period with an average 5-year savings bond rate of 3.05840 and a difference of 3.4316, replacing the previously shown May 2026 row with 3.09190 and 3.3981.
Funding available
$ 15,000,000
Deadline
Open continuously
Location
Quebec, Canada
Overview
Loan Guarantees at Advantage Plus Rate provides agricultural loan guarantees of up to $15,000,000 for farm businesses in Québec, with an interest rate discount. It supports financing for asset purchases, short-term needs, and loan refinancing.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Develop strategic partnerships
- Increase production or service capacity
- Implement environmental initiatives
Eligible Funding
- Maximum amount : 15,000,000 $
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Quebec
Legal structures
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- 2SLGBTQI+
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Purchase of assets (including quotas) or real estate
- Short-term needs, including cash flow needs
- Purchase or buy-back of interests or shares in a farm business or goods and services company
- Refinancing of a loan
- Value-added activities for harvested agricultural products
Documents Needed
- Application for financing or a grant (PDF)
- Individual sheet (PDF)
- Your financial statements
- Your business plan
Official resources
Eligibility
Who is eligible?
- Farm businesses
Eligible geographic areas
- Québec
Selection criteria
- Business viability and profitability potential
- Ability to meet financial obligations
- Availability of required guarantees
- Compliance with environmental requirements
How to apply
- Contact an advisor at your service centre to make an appointment.
- Make certain you meet the eligibility criteria.
- Complete the application for financing or a grant form.
- Complete the individual sheet.
Processing and Agreement
- The data sent for the gathering of financial data is used for the processing of the various AGRI and Financing programs.
- Once we receive your financial results, we will send you the analysis report.
Additional information
- Personalized support is offered by our financing advisors.
- The customized financial analysis tool provides a simple overview of your operation's financial situation and compares your results with businesses in the same sector of activity or in a similar income bracket.
Contacts
Frequently Asked Questions about the Loan Guarantees at Advantage Plus Rate Program
What is the Loan Guarantees at Advantage Plus Rate?
Loan Guarantees at Advantage Plus Rate provides agricultural loan guarantees of up to $15,000,000 for farm businesses in Québec, with an interest rate discount. It supports financing for asset purchases, short-term needs, and loan refinancing.
How much funding can be received?
Loan Guarantees at Advantage Plus Rate Funds up to $15,000,000 of admissible expenses.
Who is eligible for the Loan Guarantees at Advantage Plus Rate program?
To be eligible for the Loan Guarantees at Advantage Plus Rate program, you must:
Quebec-domiciled applicant
Agricultural business
Profitability potential
What expenses are eligible under Loan Guarantees at Advantage Plus Rate?
Purchase of assets (including quotas) or real estate
Short-term needs, including cash flow needs
Purchase or buy-back of interests or shares in a farm business or goods and services company
Refinancing of a loan
Value-added activities for harvested agricultural products
Who can I contact for more information about the Loan Guarantees at Advantage Plus Rate?
You can contact La Financière agricole (FADQ) or by phone at 418 834-6864 poste 6512.
Where is the Loan Guarantees at Advantage Plus Rate available?
The Loan Guarantees at Advantage Plus Rate program is available the province of Quebec.
Is the Loan Guarantees at Advantage Plus Rate a grant, loan, or tax credit?
Loan Guarantees at Advantage Plus Rate is a Loans and Capital investments