Investment Funds

From $5,000 to $250,000

Doing business with the SADC means focusing on...

  • Terms and conditions adapted to your reality
  • Financing based on the project’s viability, not only on the basis of available guarantees
  • Competitive interest rates
  • A community-owned and locally-managed fund

The investment fund provides advantageous financing, adapted to the realities faced by entrepreneurs and their projects in our region, no matter their size. Among the projects we can finance:

  • The start-up, acquisition or development of a business, cooperative or economic development organization
  • Purchase of equipment or inventory
  • Working capital
  • Innovation or sustainable development projects

Eligibility criteria

  • The business or organization, its main activities and related jobs are located in the territory of the RCMs of Avignon and Bonaventure
  • Demonstrate potential for development and profitability
  • Assets must be positive
  • Demonstrate sound financial management

Financing arrangements

  • Amortization period adapted to the needs of the company
  • Personal guarantors required

Advantages of the loan

  • No annual or monthly fees
  • Refundable at all times, without penalty
  • More flexibility (adaptation to the project, seasonal activities)
  • Competitive and risk-based interest rate
  • Support provided according to the needs of the company
  • Possible partnerships with the Business Development Bank of Canada (BDC) for additional financing
  • Free membership

Financing request

For further information:
Annie Boudreau
Financial Consultant
[email protected]
418-392-5014, ext. 230

Youth Strategy

From $5,000 to $25,000

Participating in the Youth Strategy is all about...

  • Personalized support to help develop your company
  • Possible access to a 2-year interest repayment holiday
  • The opportunity for two young entrepreneurs per company to obtain a loan (up to $50,000 in financing)

The Youth Strategy Fund is intended for entrepreneurs aged 18 to 39 who want to carry out a business project (start-up, acquisition, expansion, modernization).

Eligibility criteria

  • Be an entrepreneur between the ages of 18 and 39
  • Entrepreneurial skills
  • The project must demonstrate the potential for profitability and viability and not have a negative impact on competition
  • The young entrepreneur(s) must control the company

Terms of the loan

  • 24-months with no interest payments
  • Loan of up to 7 years
  • Possibility for two young entrepreneurs to benefit from a loan for the same project

Unique advantages of the loan

  • No annual or monthly fees
  • More flexibility (financing adapted to the project, including year-round or seasonal businesses)
  • Competitive interest rates
  • Support provided according to the needs of the company

Financing request

For further information:
Annie Boudreau
Financial Consultant
[email protected]
418-392-5014, ext. 230

Eco-loan

From $5,000 to $50,000

For companies taking on projects with a sustainable development component, the SADC offers Eco-loan. Among the projects we can finance:

  • Acquisition of less polluting or energy-saving equipment
  • Building improvements aimed at reducing energy costs (e.g., insulation or the replacement of heating systems)
  • Development of an eco-responsible product (e.g., products with reduced packaging)
  • Improvement of employees’ working conditions (e.g., installation of better adapted workspace, access to training, etc.)
  • Any other project with a sustainable development focus

Terms of the loan

  • Term loan of up to $50,000
  • 12-month capital repayment holiday
  • Advantageous interest rate

The company must have been in business for a minimum of 3 fiscal years to qualify. In addition, it must demonstrate prospects for profitability and its ability to repay the loan.

Financing request

For further information:
Annie Boudreau
Financial Consultant
[email protected]
418-392-5014, ext. 230