
MRC Témiscamingue — Créavenir - Desjardins
Last Update: July 22, 2025
QC, Canada
Support for startups with credit and tailored financing
At a glance
Eligible Funding
- Max. $15,000
Timeline
- Unspecified
Financing Type
Grant and Funding
Eligible Industries
- All industries
Funds Providers
Unspecified
Program status
Open
Overview
The Créavenir and Microcrédit Desjardins programs offer funding up to $30,000 and $20,000 respectively, aiming to support young entrepreneurs and those with modest financial needs in starting or developing their businesses. Eligible activities include business startups and the development of existing enterprises with a focus on projects that lack access to traditional credit networks.
Financing terms and conditions
The MRC Témiscamingue — Créavenir - Desjardins program provides adaptable financing options for young entrepreneurs to enhance credit history and support business development. The financing modalities are designed to meet various financial needs during the early stages of enterprise growth.
- An initial credit line up to $15,000, with potential increases to $30,000 after demonstrating 6 months of good financial habits, offered at the prime rate plus 0.5% over a 5-year term.
- A business credit card with a limit of $1,000 at a preferential rate of prime plus 0.5%.
- A grant of up to $5,000, subjected to certain conditions, which can be used as a down payment for accessing additional funding sources.
Activities funded
The MRC Témiscamingue — Créavenir - Desjardins program encourages projects aimed at young entrepreneurs seeking to start or develop viable businesses. It offers financial solutions and personalized support to help bring these business ideas to fruition.
- Startup projects demonstrating a viable business plan.
- Expansion projects for businesses less than three years old.
Eligibility
Eligibility for this grant is determined by specific criteria for applicants based on the program they choose.
- For the Créavenir program:
- The applicant must be between 18 and 39 years old.
- The applicant must have a viable business startup project or a business development project for an enterprise that has been operating for less than 3 years.
- The applicant must lack access to conventional credit or have insufficient access to conventional credit for the project.
- The applicant must be a member of a participating caisse.
- For the Microcrédit Desjardins program:
- The applicant must be 18 years old or older.
- The applicant must have a viable business startup project or a business development project for an existing enterprise.
- The applicant must lack access to conventional credit.
- The applicant must be a member of a participating caisse.
Who is eligible?
The programs under "Finance solidaire" cater to young entrepreneurs and individuals or businesses without access to conventional credit networks, providing support for startup or business development projects.
- Individuals between 18 and 39 years of age with viable startup projects or developing businesses that are less than three years old can apply for the Créavenir program.
- Individuals 18 years or older with viable startup projects or business development needs can apply for the Microcrédit Desjardins program.
- Applicants must not have sufficient access to conventional credit networks.
- Applicants must be members of a caisse (credit union).
Eligible geographic areas
This grant is applicable to companies located in specific regions, focusing on the support and growth of regional entrepreneurship. Eligible geographical areas are listed based on regional participation in the program.
- Abitibi-Témiscamingue – Nord-du-Québec
- Bas-Saint-Laurent
- Capitale-Nationale
- Centre-du-Québec
- Chaudière-Appalaches
- Côte-Nord
- Estrie
- Gaspésie–Îles-de-la-Madeleine
- Lanaudière
- Laval-Laurentides
- Mauricie
- Montérégie
- Montréal
- Ontario
- Outaouais
- Rive-Sud de Montréal
- Saguenay–Lac-Saint-Jean
How to apply
1
Determine eligibility
Check that you meet the eligibility criteria specific to the chosen program (Créavenir or Desjardins Microcredit).
2
Preparation of the business plan
Write a viable business plan demonstrating the potential for success of your project.
3
Submission to the local authority
- Identify the local development or microcredit partner organization in your area.
- Submit your business plan to this organization for an evaluation of the project's viability.
4
Review by the selection committee
- Present your project to the selection committee to assess whether your personal investment and guarantees are sufficient for conventional financing.
- Wait for the committee's decision on the approval of your project.
5
Post-approval support
Receive support during the start-up or development of your business if your project is selected.
6
Disbursement and fund management
- Obtain the funds in the form of a line of credit or loan after approval.
- Use the funds in accordance with the terms and objectives set out in the business plan.
Additional information
Here is some additional relevant information for this grant:
- The Créavenir program provides a credit line and business credit card with preferential rates.
- The Microcrédit Desjardins program offers personalized support throughout the business start-up phase.
- Successful projects in the Créavenir program may receive up to $5,000 in grants for additional funding accessibility.
- For Créavenir program participants, there is potential to increase the credit line to $30,000 after demonstrating good financial behavior for six months.
Frequently Asked Questions about the MRC Témiscamingue — Créavenir - Desjardins Program
Here are answers to the most common questions about the MRC Témiscamingue — Créavenir - Desjardins. 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 MRC Témiscamingue — Créavenir - Desjardins?
How much funding can be received?
What is the deadline to apply?
Is the MRC Témiscamingue — Créavenir - Desjardins a grant, loan, or tax credit?
Who are the financial supporters of the MRC Témiscamingue — Créavenir - Desjardins?
Who is eligible for the MRC Témiscamingue — Créavenir - Desjardins program?
Who can I contact for more information about the MRC Témiscamingue — Créavenir - Desjardins?
Where is the MRC Témiscamingue — Créavenir - Desjardins available?
Are youth (under 40) eligible for the MRC Témiscamingue — Créavenir - Desjardins program?

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