MRC Beauce-Sartigan — Créavenir program
- Open continuously
Overview
The Créavenir program by Desjardins is designed to support young entrepreneurs aged 18 to 39 who lack the necessary guarantees or capital for conventional financing, offering up to $20,000 in funding through a line of credit and grant. The program focuses on facilitating entrepreneurship by providing financial leverage and guidance for establishing new businesses, supporting businesses less than three years old, or taking over and continuing an existing business.
At a glance
Funding available
- Develop a new product or service
- Access new markets
- Launch or market a product/service
- Maximum amount : 5,000 $
- Up to 25% of project cost
- Open continuously
Eligible candidates
- All industries
- Beauce-Sartigan
- Chaudière-Appalaches
- Quebec
- For-profit business
- Sole proprietorship
- Non-financial cooperative
- All revenue ranges
- All organization sizes
- Youth (<40)
- Startups
Next Steps
Activities funded
The Créavenir program is designed to support young entrepreneurs in launching and sustaining businesses that otherwise struggle to secure traditional financing. Eligible projects primarily focus on the establishment of new ventures, development within existing small businesses, transition of business ownership, and cooperative enterprises.
- Creation and establishment of new businesses by young entrepreneurs aged 18 to 39.
- Development projects aimed at expanding or stabilizing small businesses less than three years old.
- Transition of ownership involving acquisition of a significant portion of an existing business by young entrepreneurs.
- Operations and development within cooperative businesses where the majority of administrators are 39 or younger.
Eligibility
Who is eligible?
Young entrepreneurs aged 18 to 39 who aim to start a business or own a business for less than 3 years (funded personally) and do not have the necessary guarantees or down payment to access conventional financing. Participants must also be members or agree to become members of a participating Desjardins caisse for business account management. The business's main activity must be located in the territory of the Desjardins Business Center in Beauce-Sud and Appalaches and operate in sectors determined by the Creavenir Committee according to community needs.
Eligible expenses
The grant covers specific financial aspects to assist young entrepreneurs.
- A margin of credit up to $15,000 for project financing needs.
- A subsidy up to $5,000 to complete the down payment necessary for obtaining other financing.
- A business credit card with a limit of $1,000 for current expenses.
Eligible geographic areas
This grant is available to companies located in specific geographical areas within the administrative region where Desjardins operates related business services. The eligible locations align with regional development priorities and support the local entrepreneurship ecosystem.
- Companies whose primary activities are located in the territories of the Desjardins Business Centre in Beauce-Sud and Appalaches.
Additional information
Here are additional relevant details for this grant:
- The programme Créavenir supports young entrepreneurs from 18 to 39 years old through adapted financial solutions without conventional guarantees.
- A maximum of 25% of the total assistance (financing + subsidy) can be constituted by the subsidy, which is aimed to serve as leverage for accessing other funds.
- Accompaniment and support in entrepreneurship, financing research, business planning, and mentorship are available through several regional partners.
- An interactive business plan tool and decision-making aids are available online at www.desjardins.com/plandaffaires.
- An increase in credit limits is possible if conditions are favorable, up to a total of CAD 30,000 (credit card + line of credit), maintaining the same favorable interest rate.