SMBs and Large Corporations
Project Financing

Financing of Refundable Tax Credits

If your company qualifies for a refundable tax credit and you need liquidity to carry out your project right away, we can provide financing in the amount of your anticipated tax credits.

Did you know?

Illustration indicating that financing can cover up to 100% of refundable tax credits

With refundable tax credit financing, you can receive up to 100% of the total anticipated amount of your refundable tax credits for one fiscal year, right away.

Put your tax credits to work today

We know every situation is unique. That’s why we offer flexible terms tailored to your needs.

WE OFFER

YOU GET

A loan or loan guarantee

A financial product that meets your requirements

Minimum financing of $50,000 for SRED tax credits and $20,000 for other
tax credits

Financing for all your projects, large and small

Financing for up to 100% of the refundable tax credits anticipated in one fiscal year

The chance to put your refundable tax credits to work immediately

A loan guarantee for up to 80% of a net loss

The possibility of obtaining additional funding, if required

Repayment of capital directly from your tax credit payment

Worry-free repayment

Eligibility Criteria
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You can receive financing if your company qualifies for one of the following refundable tax credits:

Scientific Research and Experimental Development (SRED)

Knowledge-based economy

Development of E-Business (CDAE)
Diversification of Québec Manufacturing Companies (CDEM)
Major Employment-generating Projects (GPCE)*
Production of Multimedia Titles

* Only companies holding eligibility certificates may be granted financing. This measure expires on December 31, 2016.

Payroll

Aluminum Valley (ALU)
Gaspésie and Certain Maritime Regions of Québec (GAS)
Processing Operations in Resource Regions (RR)*

* Only companies holding an initial qualification certificate may be granted financing. This measure is available through the end of calendar year 2012 or 2015, depending on the region.

Other tax credits

Construction or Conversion of a Vessel (CTN)
Integration of information technologies in manufacturing and primary sector SBMs (CTIM)
Investments for Manufacturing and Processing Equipment
Technological Adaptation Services (SAT)
Any other refundable tax credit

Companies in all industries are eligible, with the following exceptions: