Increase in Working Capital

UNIQ Financing

Investissement Québec

Québec businesses in all economic sectors are eligible, except the following:

• Agriculture;
• 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 sectortouristique.

Eligible Projects

UNIQ Financing has two components, depending on the nature of the project:

• Capital assets for businesses that want to acquire assets
• Working capital for businesses that need increase their liquidity.

More details on eligible projects

• Loan, loan guarantee or quasi-equity financing.
• The minimum amount of financing from Investissement Québec is $50,000.
• The financing may cover up to 100% of the project costs.
• The maximum duration of the financial assistance is 10 years (working capital component) and 20 years (capital assets component).
• Repayment of the capital amount may be deferred up to 12 months (working capital component) and 24 months (capital assets component).
• Securities may be required.

Financing of Refundable Tax Credits

Investissement Québec

Businesses that qualify for one of the following tax credits:

• Scientific research and experimental development: Federal and provincial sections;

• Payroll increase: Aluminum Valley (VA); Gaspésie and Certain Maritime Regions of Québec (GM); Processing Operations in Resource Regions (AT);

• Knowledge-based economy: Development of E-Business (CDAE); Biotechnology Development Centres (CDB); Major Employment-generating Projects (GPCE); Production of Multimedia Titles (PTM).

• Loan guarantee or loan.
• Minimum amount of loan guarantee: $50,000 for the SRED tax credits and $20,000 for the other tax credits.
• The loan guarantee can cover up to 80% of the net loss.
• The maximum duration for financial assistance is 18 months.
• For loans, the amount granted by Investissement Québec may cover up to 75% of refundable tax credits for a given fiscal year.

Eco-Financing

Investissement Québec

Québec businesses in all economic sectors are eligible, except the following:

• Agriculture;
• 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.

Eligible Projects

• 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

• Loan, loan guarantee or quasi-equity financing.
• 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.