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Prêt en capital patient de la fiducie du chantier de l'économie sociale
Patient capital financing for social economy businesses
Last Update: April 29, 2026
Funding available
$ 50,000 - $ 2,500,000
Timeline
- Receipt of requests is now closed
Location
Quebec, Canada
Overview
This patient capital financing supports social economy businesses in Quebec for operational or real estate projects. The financing can reach up to $2.5 million and is available for start-up, expansion, and business development activities.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase performance through digital transformation
- Increase social or community impact
- Increase production or service capacity
Eligible Funding
- Maximum amount : 2,500,000 $
- Minimum amount : 50,000 $
- Up to 35% of project cost
Timeline
- Receipt of requests is now closed
Eligible candidates
Eligible Industries
- Construction
- Real estate and rental and leasing
Location
- Quebec
Legal structures
- All legal structures
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 start-up and expansion.
- Operational improvement and business development.
- Real estate investment projects.
- Technology upgrades and ecological transition initiatives.
Documents Needed
- Supporting documents requested by the financial analyst.
- Telephone meeting or discussion with the analyst.
Eligibility
Who is eligible?
- Social economy businesses.
- Non-profit organizations.
- Cooperatives.
Who is not eligible
- Private companies.
- Public organizations.
- Businesses in excluded or sensitive sectors.
- Businesses whose activities replace public-sector jobs.
Eligible expenses
- Working capital, technology upgrades, equipment, inventory, and marketing costs.
- Operational improvement, product and service adaptation, and ecological transition initiatives.
- Real estate acquisition, construction, renovation, professional fees, and related relocation costs.
Ineligible Costs and Activities
- Pre-startup projects.
- Debt restructuring, refinancing, or early repayment of long-term debt.
- Projects exclusively offering educational services or residential rental housing.
- Activities that replace public-sector jobs.
Eligible geographic areas
- Quebec.
How to apply
- Step 1: Contact the organization
- Discuss your project and check eligibility.
- Step 2: Work with a financial analyst
- A RISQ analyst is assigned after eligibility is confirmed.
- Provide the requested supporting documents.
- Participate in telephone follow-ups if needed.
- Step 3: Review and decision
- The file is analyzed and presented to the investment committee.
- The trustees may approve, refuse, or amend the file.
- Step 4: Finalize the financing
- Receive the decision.
- Sign the financing agreement.
- Receive the disbursed amounts.
Processing and Agreement
- Initial contact to discuss the project and confirm eligibility.
- Assignment of a RISQ financial analyst.
- Document review and follow-up discussions.
- Application analysis, then presentation to the investment committee.
- Decision by the trustees, followed by funding agreement signing and disbursement.
Additional information
- Applications are accepted year-round.
- The RISQ is mandated to receive and analyze applications.
- Some projects may also be submitted to the RISQ through the same file.
Contacts
Frequently Asked Questions about the Prêt en capital patient de la fiducie du chantier de l'économie sociale Program
What is the Prêt en capital patient de la fiducie du chantier de l'économie sociale?
This patient capital financing supports social economy businesses in Quebec for operational or real estate projects. The financing can reach up to $2.5 million and is available for start-up, expansion, and business development activities.
How much funding can be received?
Prêt en capital patient de la fiducie du chantier de l'économie sociale Funds up to 35% of admissible expenses, capped at $2,500,000 per project.
Who is eligible for the Prêt en capital patient de la fiducie du chantier de l'économie sociale program?
To be eligible for the Prêt en capital patient de la fiducie du chantier de l'économie sociale program, you must:
Social economy business in Quebec.
Non-profit or cooperative.
Start-up or expansion project.
What expenses are eligible under Prêt en capital patient de la fiducie du chantier de l'économie sociale?
Business start-up and expansion.
Operational improvement and business development.
Real estate investment projects.
Technology upgrades and ecological transition initiatives.
Who can I contact for more information about the Prêt en capital patient de la fiducie du chantier de l'économie sociale?
You can contact Fonds RISQ (RISQ) by email at info@fiducieduchantier.qc.ca or by phone at 514-256-0992.
Where is the Prêt en capital patient de la fiducie du chantier de l'économie sociale available?
The Prêt en capital patient de la fiducie du chantier de l'économie sociale program is available the province of Quebec.
Is the Prêt en capital patient de la fiducie du chantier de l'économie sociale a grant, loan, or tax credit?
Prêt en capital patient de la fiducie du chantier de l'économie sociale is a Loans and Capital investments