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Source verified July 8, 2026
Seller-Lender Formula
Guaranteed financing for agricultural business transfer
Funding available
Up to 40% of project cost
Deadline
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
- Up to 40% of project cost
Funds Providers
Eligible candidates
Eligible Industries
- All industries
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
Official resources
Eligibility
Who is eligible?
- Agricultural business owners.
- Buyers of an agricultural business.
Eligible geographic areas
- Quebec
How to apply
- Step 1: Check eligibility
- Review the admissibility conditions.
- Step 2: Contact a service centre
- Speak with an advisor and book an appointment.
- Step 3: Submit financial information
- Provide financial data and other required information.
- Step 4: Get advisor support
- Receive help with financial analysis, business planning, and financing choices.
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
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.
How much funding can be received?
Seller-Lender Formula Funds up to 40% of admissible expenses.
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 418 838-5606, poste 6172.
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 Loans and Capital investments