Project Financing

• Financing solutions may cover up to 100% of your project costs.
• Short- or long-term financing available for periods up to 25 years.
• Possible deferral of principal repayment for up to 24 months.

• The applicant must be a business located in Québec.
• The applicant must not operate in the following sectors: agriculture (with exceptions), finance and insurance, real estate (certain activities excluded), retail sales and similar activities, or sectors primarily serving individuals (except tourism).

Who is eligible?

• All Québec businesses except those in the excluded sectors

Who is not eligible

• Companies operating in the agriculture sector (except those ineligible for La Financière agricole du Québec programs).
• Finance and insurance companies.
• Businesses engaged in real estate (certain activities may be excluded).
• Retail sales and similar activities.
• Organizations where the client base consists primarily of individuals, except for those in tourism.

Eligible expenses

• Purchase of machinery or equipment
• Expansion, construction, or modernization of a building
• Refinancing existing commitments
• Financing of tax credits
• Acquisition of intangible assets (such as trademarks and patents)
• Working capital
• Marketing of products or services

Eligible geographic areas

• Québec

• Step 1: Contact Investissement Québec
  • Reach out to an Investissement Québec expert by calling 1 844 IQINFOS (1 844 474-6367) to discuss your project and explore appropriate financial solutions.
• Step 2: Project Assessment and Customization
  • Present the details of your project, including objectives, costs, and funding requirements.
  • Collaborate with Investissement Québec to determine which financing options best fit your business needs.
• Step 3: Application Preparation
  • Prepare the necessary documentation as requested by Investissement Québec (e.g., business plan, financial statements, project description).
  • Ensure all information accurately reflects your business and project plans.
• Step 4: Submit Application
  • Submit your completed application and supporting documents directly to Investissement Québec as per their instructions.
• Step 5: Await Evaluation and Response
  • Wait for Investissement Québec to review your submission, assess eligibility, and communicate the outcome or request further information if needed.

• Customized financial support is available to address unique business needs.
• Security may be required depending on the financing arrangement.
• Quasi-equity financing is offered in the form of debentures or subordinated debt.