Financial Products
Cooperatives and NPOs


Collective entrepreneurship is an important driver of economic development. Cooperatives and non-profit organizations (NPOs) can count on Investissement Québec’s financing experts to help them obtain the financial support they need to bring their projects to fruition.

Our financing solutions

  • Loans at competitive rates
  • Loans in partnership with other lenders
  • Loan guarantees: guaranteed repayment of the net loss suffered by a financial institution that granted you a loan, line of credit or any other short-term financing
  • Quasi-equity financing in the form of subordinated debt
  • Purchase of preferred shares in a cooperative

Did you know?


Illustration indicating Up to 100% of project costs

Our financing covers up to 100% of project costs. That means you can achieve your development objectives while preserving your liquid assets for ongoing operations.


Your key to making things happen

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




Minimum financing: $50,000

Financing for all your projects, large and small

May cover up to 100% of project costs, usually in partnership with other lenders

The chance to keep your liquid assets free for ongoing operations

Short- or long-term financing (up to 25 years for capital assets)

The ability to match the financial assistance to the life of the asset

Possible deferral of principal repayment (up to 24 months)

The freedom to use your liquidity as you see fit while your project is under way

Security may be required.

Examples of eligible projects


Most projects are eligible. Here are a few examples:


  • Acquisition, expansion, construction or modernization of a building
  • Purchase of machinery or equipment
  • Working capital
  • Financing of worker-owned cooperatives to purchase employer shares
  • Refinancing
  • Entry into a new market
  • Acquisition of intangible assets (trademarks, patents, etc.)

Eligibility criteria

To qualify, cooperatives and NPOs must engage in commercial activities, regardless of their industry or field of activity.

Complementary financing tools

Capitalization of social economy enterprises

To make it easier for social economy enterprises to carry out their projects, Investissement Québec offers capitalization loans that can complement other sources of capital.


By providing additional financial leverage, these quasi-equity injections can enable companies to secure the necessary funding for their start-up, expansion, turnaround or consolidation initiatives with favourable terms.


Cooperative Buyout Support Program

This program provides financial assistance at advantageous terms for cooperatives seeking to fully acquire a business or partially acquire a worker-owned co-operative.


The complete acquisition of a business will be supported by quasi-equity financing, which will make it possible to secure the capital needed for a cooperative buyout.

Learn more

Contact an Investissement Québec expert
at 1 844 IQINFOS (1 844 474-6367).


February 2016


Contact your expert

André Williot

Client Service Officer

1 844 474-6367


    Cover of the document Financing for collective entrepreneurship