Start-up
Business transfer loan

The Business Transfer Startup Loan is designed to support the launch of a new business or the purchase of an existing one. It helps increase the down payment and facilitates access to other sources of financing.

Let's discuss your project
A financial tool to help with buying or starting a business
This loan is primarily intended to finance working capital or the purchase of equipment as part of a startup project.

In the context of a partial or complete business transfer, it is primarily used to supplement an equity investment or meet a working capital need.

Terms and Benefits

  • A personal loan with the business as the borrower.
  • Loan amounts range from $5,000 to $25,000 per entrepreneur.
  • Possibility of obtaining up to $50,000 per business, depending on the number of entrepreneurs involved in the project.
  • No recurring administrative fees.
  • Flexible collateral and repayment terms tailored to the specific needs of each project.

Eligibility Criteria

  • The business must be located within the Lotbinière RCM.
  • The borrower must hold at least 25% of the voting shares or partnership interests in the business, in the case of a general partnership.

Contact an advisor for details and to confirm your eligibility.

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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.

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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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