How much funding can be received?

Funds up to 15000% of admissible expenses.

What is the deadline to apply?

The deadline to apply is not specified.

Who are the financial supporters of the MRC Témiscamingue — Créavenir - Desjardins?

MRC Témiscamingue — Créavenir - Desjardins is funded by MRC Témiscamingue

What are MRC Témiscamingue — Créavenir - Desjardins's eligibility criterias?

Must be between 18 and 39 years old. The project must be viable, either a startup or a development of an existing business for less than 3 years. The applicant must not have access to conventional credit networks.

MRC Témiscamingue — Créavenir - Desjardins

Last Update: July 22, 2025

QC, Canada

Support for startups with credit and tailored financing

MRC Témiscamingue — Créavenir - Desjardins at a glance

Eligible Funding

Max. $15,000

Timeline

Unspecified

Financing Type

Grant and Funding

Eligible Industries

All industries

Grant Providers

MRC Témiscamingue

Program status

Open

Overview of the MRC Témiscamingue — Créavenir - Desjardins program

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.

Eligible projects & activities

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 criteria of the MRC Témiscamingue — Créavenir - Desjardins program

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 to the MRC Témiscamingue — Créavenir - Desjardins program

Determine eligibility

Check that you meet the eligibility criteria specific to the chosen program (Créavenir or Desjardins Microcredit).

Preparation of the business plan

Write a viable business plan demonstrating the potential for success of your project.

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.

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.

Post-approval support

Receive support during the start-up or development of your business if your project is selected.

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.

Apply to this program