Tailored financing solutions to bring every project to life

The Lotbinière SADC offers flexible and complementary financing solutions designed to meet the needs of small and medium-sized enterprises (SMEs) in the region. Whether a business is in its startup phase, experiencing growth, or looking to purchase all or part of an SME, flexible financing solutions are available to support every stage of the entrepreneurial journey. Funding can be used for working capital, the purchase of new or used equipment, or the acquisition of shares or assets, up to an amount of $150,000, depending on the project.

In addition, several advantageous loan programs are available, including an interest-free period for the first 24 months, particularly for young entrepreneurs, business purchases, succession, or transfers, digital projects, or sustainable development initiatives.

Contact an SADC advisor for more details and to verify your eligibility.

Let's discuss your project
Business partner loan
This loan is primarily intended to help businesses maintain their working capital, purchase new or used equipment, and carry out leasehold improvement

Terms and Benefits

  • Conventional loan of up to $150,000.
  • Interest rate determined based on the analysis and characteristics of each project.
  • Flexible collateral and repayment terms tailored to the company’s specific circumstances.

 

Contact an advisor for details and to confirm your eligibility.

Learn more
Order financing loan
Short-term financing that enables the company to expand into a new market or increase its usual sales volume

The order financing loan is designed to support a business’s growth when an order or contract exceeds its usual volume of business. It provides the funds needed to fulfill the order when an existing line of credit is insufficient to meet working capital needs.

Terms and Benefits

  • Conventional loan ranging from $25,000 to $150,000.
  • The financing covers the costs of raw materials and wages required to fulfill the order, up to 75% of the order’s sale price.
  • Interest rate determined based on the analysis and characteristics of each project.
  • Flexible collateral and repayment terms, tailored to the business’s specific circumstances.

 

Contact an advisor for details and to confirm your eligibility.

Learn more
Start-up/business transfer loan
A financial boost to get started

This loan is designed to support the launch of a new business or the purchase of an existing business. It helps increase the down payment and facilitates access to other sources of financing.

Terms and Benefits

  • A personal loan with the business as the borrower.
  • Loan amounts range from $5,000 to $25,000 per entrepreneur.
  • Up to $50,000 per business may be available, depending on the number of entrepreneurs involved in the project.

Contact an advisor for details and to confirm your eligibility.

Learn more
Youth Strategy Loan
Encouraging entrepreneurship among young people

This loan is designed to provide financing to young entrepreneurs aged 18 to 39 for innovative startup, growth, or business transfer projects.

Innovation can take various forms, including the development of products, services, or processes; marketing strategy; customer service management; the adoption of new technologies; human resources management; or any other driver of innovation.

Terms and Benefits

  • A personal loan where the business is the borrower.
  • Loan amounts ranging from $5,000 to $25,000.
  • Interest-free period for the first 24 months

 

Contact an advisor for details and to confirm your eligibility.

Learn more
Green strategy loan
Incorporating sustainable practices into your business

This loan supports businesses that wish to adopt more environmentally responsible practices or implement clean technologies to reduce their environmental footprint. It can be used, for example, to install solar panels, set up a geothermal system, replace energy-intensive equipment, or purchase devices for heat recovery or rainwater harvesting.

Terms and Benefits

  • Conventional loan of $10,000 to $25,000.
  • Interest-free period for the first 24 months.
  • Three-month moratorium on principal repayment to ease financial pressure at the start or during the implementation of the project.
  • Possibility of obtaining payment for external professional fees in the form of a non-repayable grant.

 

Contact an advisor for details and to confirm your eligibility.

Learn more
Transfer strategy loan
Ensuring a successful business transition

This loan is designed to facilitate business succession, purchase, or acquisition by providing financial support for the steps involved in the transition. In particular, it can cover transaction costs—whether legal, accounting, or tax-related—finance the full or partial purchase of partnership interests or shares, and support the buyer’s training to ensure a smooth and sustainable transition.

Terms and Benefits

  • Conventional loan of $10,000 to $25,000.
  • Interest-free period for the first 24 months.
  • Three-month grace period on principal repayment to ease financial pressure during the startup phase or project implementation.
  • Possibility of obtaining payment for external professional fees in the form of a non-repayable grant.

 

Contact an advisor for details and to confirm your eligibility.

Learn more
Digital strategy loan
This loan is designed to support businesses that wish to adopt practices or technologies that facilitate the digitization and optimization of their operations.

In particular, it can be used for:

  • the purchase and implementation of a CRM or ERP system,
  • the acquisition of automated or robotic equipment,
  • training the team to ensure the effective integration of the new tools or equipment implemented.

 

Terms and Benefits

  • Standard loan of $10,000 to $25,000.
  • Interest-free period for the first 24 months.
  • Three-month grace period on principal repayment to ease financial pressure during the startup phase or project implementation.
  • Possibility of obtaining payment for external professional fees in the form of a non-repayable grant.

 

Contact an advisor for details and to confirm your eligibility.

Learn more

Contact us

Do you have a project or a question?

Our team takes the time to listen to you in order to fully understand your situation and provide you with practical support.

Contact us
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FAQ

Frequently Asked Questions

Eligibility for SADC funding depends on several criteria, including your business location within the MRC of Lotbinière, the nature of your project, its financial viability, its economic development potential, and its impact on the region.

To obtain a reliable and personalized evaluation, we invite you to schedule an appointment with a business advisor who will review your project in detail.

Yes. SADC Lotbinière regularly offers training sessions, workshops, and events designed for entrepreneurs and business managers. All updates are published on our website and shared through our newsletter.

To stay informed, simply subscribe to our newsletter.

SADC funding is particularly well suited for the following types of projects:

  • Business start-up projects, which are often considered higher risk by traditional financial institutions such as banks;
  • Expansion, modernization, or growth projects, especially when part of the financing is still needed for purchasing new or used equipment or for working capital needs;
  • Succession, acquisition, or business purchase projects, which require more flexible financial structures;
  • Innovation, digital, sustainable development, or high local impact projects.

The main advantages include:

  • Flexible financing terms adapted to each business’s reality and growth capacity;
  • Personalized support throughout the project: analysis, advice, follow-up, and strategic guidance;
  • Complementarity with financial institutions, facilitating banking partnerships and hybrid financing structures.

SADC Lotbinière offers support for external professional fees in the form of non-repayable financial assistance. Contact an advisor to learn more and confirm your eligibility.

SADC Lotbinière can also assist you in identifying available grants and programs (government loans, tax credits, and loan guarantees) at the local, provincial, and national levels.

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153, boulevard Laurier, bureau 100 Laurier-Station (Québec) G0S 1N0
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