Réseau des SADC et CAE — Loans
Last Update: July 22, 2025
QC, Canada
Loans for entrepreneurs in Quebec
At a glance
Eligible Funding
- Up to 40% of project cost
Timeline
- Closing date : June 17, 2024
Financing Type
Loans and Capital investments
Overview
Access loans for acquisitions, start-up, modernization, expansion, innovation, sustainable development, business succession and more.
Financing terms and conditions
The Réseau des SADC et CAE Loans offer tailored financing options to support local economic development and business projects within Quebec. These financing modalities are designed to meet the specific needs of diverse local enterprises, fostering innovation and community empowerment.
- Loans are locally managed to address individual community needs, with income reinvested to promote regional growth.
- Specialized loans are available, crafted in response to local economic challenges.
- Financing terms include support for regional economic vitality and job creation.
Activities funded
Examples of admissible projects:
$ 120,000
Modernization of an organic farm
$ 68,000
Expansion of a community arts center
$ 160,000
Start-up of a tech incubator focusing on AI innovations
$ 96,000
Development of a sustainable food delivery service
$ 40,000
Business succession planning for a local bakery
$ 240,000
Creation of a renewable energy cooperative
Eligibility
Eligibility for services offered by SADC and CAE is determined by certain criteria pertaining to the location and type of activities.
- The applicant must be located in Quebec, Canada.
- The project or business should contribute to local economic development.
- The applicant should be engaged in activities such as innovation, tourism, supporting women entrepreneurs, or sustainable development.
- The applicant may include youth entrepreneurship projects or business succession planning.
- Applicants seeking financing should focus on creating regional economic vitality and job creation.
- Youth Strategy Fund applicants must be between 18 and 39 years old.
Who is eligible?
The SADCs and CAEs primarily focus on supporting local businesses and projects that contribute to the economic development of the regions of Quebec. They provide assistance to a wide range of beneficiaries, including women entrepreneurs, youth, Indigenous communities, and sectors like tourism, sustainability, and local downtown areas. To qualify for support, entities often need to align with the developmental goals of their respective communities and demonstrate a clear need for financial or technical assistance in overcoming local economic challenges.Eligible expenses
The SADC and CAE network offers support across a broad range of projects focused on local economic development, sustainability, and community empowerment. Eligible projects encompass innovative solutions, tourism enhancement, support for women entrepreneurs, sustainable practices, and revitalization efforts.
- Support for local economic development projects and community empowerment initiatives.
- Implementation of innovative projects and integration of new technologies.
- Tourism promotion and support for tourism businesses and projects.
- Funding and support for women entrepreneurs and their business projects.
- Projects focusing on sustainable development and environmentally responsible practices.
- Initiatives to revitalize downtown areas and town cores.
- Growth-generating projects with Indigenous communities, including tourism and fishing industries.
- Projects promoting youth entrepreneurship and business succession.
- Technical assistance for business start-up, expansion, and transfer.
- Access to specialized funds and financing options, including youth strategy fund and specialized investment funds.
Eligible geographic areas
This grant is available to companies operating in Quebec, as it is managed by the Réseau des SADC et CAE, a network committed to supporting economic development within this region.
- Businesses and projects located within the province of Quebec, Canada.
How to apply
1
Select the correct SADC or CAE
- Visit the website to locate your SADC or CAE using their search tool "Find your SADC or CAE".
- Identify the appropriate SADC or CAE for your specific region.
2
Prepare the project
- Formulate a project aligned with local development priorities, innovation, tourism, women's entrepreneurship, sustainable development, etc.
- Gather all relevant information about the project including the business model and the expected economic impact.
3
Contact the SADC or CAE
- Contact the SADC or CAE to discuss your project.
- Request advice on preparing the application and on specific eligibility criteria.
4
Develop and submit the application
- Write a complete project proposal following the guidelines provided by the SADC or CAE.
- Include all required documents such as financial plans, letters of support, etc.
- Submit the application either online if the SADC or CAE offers a digital platform, or directly by email or postal mail.
5
Follow-up of the request
- After submission, follow up with your SADC or CAE to check the status of your application.
- Be available to provide additional information if required.
Additional information
Here are additional relevant details for applicants seeking support from SADCs and CAEs:
- SADCs and CAEs provide not only financial support but also technical assistance to ensure project success.
- They offer guidance in key business areas such as marketing, human resources, management, and operations.
- Access to a vast network of specialists and expertise is available for applicants.
- SADCs and CAEs focus on various sectors, including women entrepreneurship, youth entrepreneurship, tourism, and sustainable development.
- There is an emphasis on innovative projects and the integration of new technologies within the community.
- Support is tailored to meet the specific needs and challenges of local communities within Quebec.
- Income generated from funds is reinvested into local projects, promoting continuous economic growth.
- Specific funds, like the Youth Strategy Fund and Specialized Investment Fund, target unique community needs and demographics.
- There is a strong partnership and collaboration aspect, with many projects involving community and regional stakeholders actively.
Apply to this program
Frequently Asked Questions about the Réseau des SADC et CAE — Loans Program
Here are answers to the most common questions about the Réseau des SADC et CAE — Loans. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.
What is the Réseau des SADC et CAE — Loans?
How much funding can be received?
What expenses are eligible under Réseau des SADC et CAE — Loans?
What is the deadline to apply?
Is the Réseau des SADC et CAE — Loans a grant, loan, or tax credit?
Who are the financial supporters of the Réseau des SADC et CAE — Loans?
Who is eligible for the Réseau des SADC et CAE — Loans program?
Who can I contact for more information about the Réseau des SADC et CAE — Loans?
Where is the Réseau des SADC et CAE — Loans available?
Are startups eligible for the Réseau des SADC et CAE — Loans program?
Are women eligible for the Réseau des SADC et CAE — Loans program?
Are youth (under 40) eligible for the Réseau des SADC et CAE — Loans program?
Are Indigenous Peoples eligible for the Réseau des SADC et CAE — Loans program?
Apply to this program