Programme de microprêts
Aperçu
Obtenez jusqu’à 15 000 $ pour répondre à vos besoins en fonds de démarrage ou de roulement, avec des durées de remboursement s'échelonnant sur un maximum de 5 ans.
En résumé
Financement disponible
- Intégrer des nouvelles technologies
- Optimiser les processus de production
- Obtenir des certifications
- Montant maximum : 15,000 $
- Ouvert en continu
Candidats admissibles
- Agriculture, foresterie, pêche et chasse
- Fabrication
- Commerce de détail
- Autres services (sauf les administrations publiques)
- Administrations publiques
- Charlottetown
- Île du Prince-Édouard
- Entreprise à but lucratif
- Entreprise individuelle
- Toutes les échelles de revenus
- Toutes les tailles d’organisation
- Nouveaux arrivants au Canada
- Jeunes entreprises
Activités financées
Le Programme de microprêts vise à financer de petites initiatives qui peuvent bénéficier d'un soutien financier pour démarrer leur activité ou pour se développer. Les projets éligibles sont généralement axés sur le renforcement des capacités entrepreneuriales et le soutien aux petites entreprises.
- Financement de l'amorçage pour les nouvelles entreprises et les startups.
- Soutien à l'expansion des petites entreprises existantes.
- Projets d'amélioration des infrastructures commerciales à petite échelle.
- Initiatives visant à renforcer les compétences entrepreneuriales par la formation et le mentorat.
- Programmes de développement économique local favorisant l'innovation et l'entrepreneuriat.
Admissibilité
The Micro-Loan Program offers financial assistance to entrepreneurs in Prince Edward Island, providing up to $15,000 per applicant to help with new and expanding business ventures. Applicants must meet specific eligibility criteria outlined below.
- Trades—recent graduates from trade school or those who have a job offer in a new field but do not have the resources to get set up with new tools or necessary equipment.
- Qualification Recognition—newcomers to Canada who require some assistance getting back into their previous line of work; this loan can help to cover the costs of a challenge exam or professional fees.
- Small-scale Food Production—funds available for growers, harvesters, and processors to invest in equipment and materials to increase the supply of food in their communities.
- Business Start-up—great start-up business idea, an entrepreneurial spirit and a business plan.
- Winter Production Financing—existing program which provides new and expanding craft and giftware manufacturers with the financing required to increase production of their products during the winter months for sale in the peak selling periods.
Qui est admissible?
The Micro-Loan Program supports various types of companies with specific financing needs in Prince Edward Island, providing up to $15,000 per applicant with favorable terms. Eligible categories include businesses in trades, qualification recognition, small-scale food production, business start-ups, and winter production financing.
- Trades—recent graduates or those with job offers who need tools or equipment.
- Qualification Recognition—newcomers to Canada needing assistance with professional fees or exams to return to their previous fields.
- Small-scale Food Production—growers, harvesters, and processors needing equipment and materials to increase food supply.
- Business Start-up—entrepreneurs with a strong business idea and plan.
- Winter Production Financing—craft and giftware manufacturers needing financing to boost winter production for peak selling periods.
Qui n'est pas admissible
La subvention en question impose certaines restrictions concernant le statut et l'activité principale des entreprises éligibles. Voici un résumé des types de compagnies et d'industries qui ne peuvent pas prétendre à cette subvention :
- Entreprises impliquées dans des activités illégales.
- Compagnies opérant principalement dans l'industrie du jeu d'argent.
- Organisations à but non lucratif qui ne répondent pas à certains critères de financement.
- Entreprises sans établissements physiques au Canada.
- Compagnies en état de faillite ou sous gestion judiciaire.
Dépenses admissibles
Eligible expenses for the Micro-Loan Program include costs related to setting up new businesses or expanding existing ones across various categories.
- New tools or necessary equipment for trades
- Challenge exam or professional fees for qualification recognition
- Equipment and materials for small-scale food production
- Start-up costs for business start-ups
- Production costs for winter production financing
Critères de sélection
Les critères d'évaluation pour cette subvention incluent principalement l'innovation du projet proposé, son impact économique, sa viabilité financière et sa capacité à créer des emplois. La sélection se base sur la pertinence du projet, son potentiel de croissance et son alignement avec les priorités gouvernementales.
- Innovation du projet proposé
- Impact économique
- Viabilité financière
- Capacité à créer des emplois
- Pertinence du projet
- Potentiel de croissance
- Alignement avec les priorités gouvernementales
Comment appliquer
Complete the Micro-Loan Application
- Fill out the Micro-Loan application form available from Finance PEI.
- Include the Business Plan section detailing your business idea, objectives, and strategies.
- Prepare a Cash Flow Forecast to accompany your business plan.
Submit Application
- Submit the completed application to an Account Manager at Finance PEI.
- Provide any supporting documentation that may be necessary for evaluation.
Attend Interview
- The Account Manager will conduct an interview with the applicant(s).
- Discuss the business proposal and the next steps required to determine eligibility.
Obtain Necessary Licenses and Registrations
- Acquire any licenses, permits, and insurance required for your business.
- Register the business as per Federal, Provincial, or Municipal regulations.
Sign Documentation
- Sign all necessary loan agreements and guarantee forms as required by Finance PEI.
- Additional guarantors and security may be required.
Informations supplémentaires
The Micro-Loan Program for entrepreneurs in Prince Edward Island is designed to provide financial assistance of up to $15,000 for new and expanding businesses, encouraging local entrepreneurship. Key requirements include the completion of a business plan, necessary licenses, and immediate loan repayment upon business sale or transfer.
- Repayment terms of up to 5 years at an interest rate of TD Bank Prime + 4.5%.
- Funds can be utilized for trades, qualification recognition, small-scale food production, business start-up, and winter production financing.
- Applicants must submit a Micro-Loan application, including a Business Plan Section and Cash Flow Forecast.
- Finance PEI will conduct an interview to discuss the business proposal.
- Additional guarantors and security might be required.
