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Loan Guarantees at Advantage Plus Rate

Agricultural loan guarantees with reduced interest rates

Offered by
La Financière agricole (FADQ)
Official source: fadq.qc.ca

Source change captured

Funding available
$ 15,000,000
Deadline
Open continuously
Location
Quebec, Canada
Who can apply
Farm businesses
See full eligibility

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.

At a glance

Funding available

Maximum funding
$15,000,000
Financing goals
  • Develop strategic partnerships
  • Automate business operations
  • Increase production or service capacity
  • Implement environmental initiatives
  • Increase operational productivity
  • Complete an acquisition or business transfer
  • Optimize production processes
  • Obtain certifications or accreditations
  • Improve business energy efficiency
  • Renovate or expand facilities
  • Ensure financial sustainability
  • Renovate or adapt facilities

Eligible candidates

Location
  • Quebec
Eligible Industries
All industries
Annual revenue
All revenue ranges
Organisation size
All organization sizes
Audience
  • 2SLGBTQI+
Legal structures
For-profit business

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

October interest-reduction rates updated

The interest-reduction page now shows updated rates and application periods for October 1 to October 31, 2026.

See more

The Réduction du taux d'intérêt page was updated on October 9, 2026 and adds the applicable reduction rates for the October 1 to October 31, 2026 period. Several banks now show new October values, including CIBC, BMO, Laurentian Bank, National Bank of Canada, RBC, Scotiabank, TD, and the Fédération des caisses Desjardins du Québec.

Official source: fadq.qc.ca
October 11, 2026

Eligibility

Who is eligible?

  • Farm businesses

Eligible geographic areas

  • Québec

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

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.

Documents Needed

  • Application for financing or a grant (PDF)
  • Individual sheet (PDF)
  • Your financial statements
  • Your business plan

Selection criteria

  • Business viability and profitability potential
  • Ability to meet financial obligations
  • Availability of required guarantees
  • Compliance with environmental requirements

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

418 834-6864 poste 6512

Official sources

Official program page

Program guide

EligibilityGlobal Investment PlanPhosphorus Report and Consequences for your Programs

Application form

Application formFINANCING PROGRAM/SUSTAINABLE GROWTH INVESTMENT PROGRAM Participation ApplicationImportantImportantINDIVIDUAL FORM Application for funding or grant for new farmers

Supporting document

4001.1.22 - Notarized Loan Agreement for Portion 1 - Advantage Plus Fixed or Variable Rate4001.2+.22 - Notarized Loan Agreement for 2 or More Portions - Advantage Plus Fixed or Variable Rate4003.d+22 - Notarized leverage Loan Agreement - for Portion 1 - Advantage Plus Fixed or Variable Rate or Interim Rate4004.1.22 - Private Loan Agreement for Portion 1 - Advantage Plus Fixed or Variable Rate4004.2+.22 - Private Loan Agreement for 2 or More Portions - Advantage Plus Fixed or Variable Rate
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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.

What is the deadline to apply?

The program is accepting continuous intake

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

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