Do you want to apply innovative sustainable development measures in your business? Would you like to improve your production and consumption methods to make them greener and more efficient? Do you have big ideas, but even bigger needs? We can offer you financing with this simple, flexible and accessible product.
Québec businesses in all economic sectors are eligible, except the following:
Businesses that are not eligible for Financière agricole du Québec programs can benefit from UNIQ Financing.
- Finance and insurance;
- Real estate;
- Services to individuals;
- Retail sales and related or comparable activities;
- Other sectors in which the client base is made up mainly of individuals, except for the tourism sector.
- Acquisition of capital assets for greenhouse gas (GHG) reduction
- Working capital expenditures, including R&D for GHG reduction
- Expenditures for the qualification, quantification and certification of offset credits (carbon credits)
- Acquisition of offset credits to comply with your business sector standards
Your business must have a sound financial structure, adequate management, qualified staff and a solid organization.
If your business is granted financing for the acquisition of offset credits, you must provide a reduction plan describing how you plan to cut your greenhouse gas emissions in accordance with government standards.
We can provide you with a loan, a loan guarantee or
- Our term loan is offered at a competitive market rate.
- Our loan guarantee is a guarantee to repay the net loss incurred by the financial institution that grants you a loan, line of credit, letter of credit or other short-term financial commitment.
- Our quasi-equity financing may be offered in the form of debentures or subordinated debt.
Terms and Conditions
- The minimum amount of financing from Investissement Québec is $50,000.
- The financing may cover up to 100% of the project costs.
- The loan guarantee may cover up to 85% of the net loss.
- The maximum duration of the financial assistance is 20 years, depending on the nature of your project.
- Repayment of the capital amount may be deferred.
- Securities may be required.
Fees depend on the nature of the project.
Contactez an Investissement Québec advisor at 1 866 870-0437.
Special conditions may apply. Consult one of our advisors to learn more.