Closed
Seller-Lender Formula
Guaranteed financing for agricultural business transfer
Last Update: May 6, 2026
Funding available
Varies by project
Timeline
- Closing date : January 1, 2025
Location
Quebec, Canada
Overview
The Seller-Lender Formula lets the owner of an agricultural business become the lender for one or more buyers, with a guarantee from La Financière agricole. It supports gradual business transfer and includes protection on interest rates, with a maximum 40% refundable tax credit on interest paid for agreements concluded before January 1, 2025.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Improve governance or administrative structure
- Complete an acquisition or business transfer
- Ensure financial sustainability
Eligible Funding
- Varies by project
Timeline
- Closing date : January 1, 2025
Eligible candidates
Eligible Industries
- Agriculture, forestry, fishing and hunting
Location
- Quebec
Legal structures
- For-profit business
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
- Gradual transfer of an agricultural business.
- Seller financing for the purchase of an agricultural enterprise.
- Loan arrangements backed by FADQ guarantee.
Documents Needed
- Application form for seller-lender protection
- Financial information and other required data
- Business plan, if requested
- Amortization schedule, if provided
Eligibility
Who is eligible?
- Agricultural business owners.
- Buyers of an agricultural business.
Eligible geographic areas
- Quebec
Processing and Agreement
- The file is analyzed by a FADQ advisor after contact with a service centre.
- The financial situation and project are reviewed with the applicant.
- The applicant may receive support to prepare the business plan and financing choices.
- Loan administration continues with FADQ throughout the life of the financing.
Additional information
- Administration and support are provided throughout the life of the loan.
- Indexed fees may apply according to the FADQ regulations.
- Electronic signature is used for written communications.
- Application forms and act templates are available online.
Contacts
Frequently Asked Questions about the Seller-Lender Formula Program
Here are answers to the most common questions about the Seller-Lender Formula. 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 Seller-Lender Formula?
The Seller-Lender Formula lets the owner of an agricultural business become the lender for one or more buyers, with a guarantee from La Financière agricole. It supports gradual business transfer and includes protection on interest rates, with a maximum 40% refundable tax credit on interest paid for agreements concluded before January 1, 2025.
Who is eligible for the Seller-Lender Formula program?
To be eligible for the Seller-Lender Formula program, you must:
Adult domiciled in Quebec.
At least 20% ownership after project completion.
Project must show profitability prospects.
What expenses are eligible under Seller-Lender Formula?
Gradual transfer of an agricultural business.
Seller financing for the purchase of an agricultural enterprise.
Loan arrangements backed by FADQ guarantee.
Who can I contact for more information about the Seller-Lender Formula?
You can contact La Financière agricole (FADQ) by email at none or by phone at 1 800 749-3646.
Where is the Seller-Lender Formula available?
The Seller-Lender Formula program is available the province of Quebec.
Is the Seller-Lender Formula a grant, loan, or tax credit?
Seller-Lender Formula is a Other Support
Who are the financial supporters of the Seller-Lender Formula?
Seller-Lender Formula is funded by La Financière agricole (FADQ)