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Fonds de solidarité FTQ

Financing solutions

Financing your ideas

Do you have big plans for your business? Are you looking for a financial product in line with your reality in order to improve your financial structure? Discover our business solutions, tailored to meet your needs. Three words make us stand apart: flexible, quick and easy.

 

Financing for SMEs looking to the future 

  • Expansion projects
  • Business acquisitions
  • Business transition
  • Additional working capital
  • Equipment purchases or upgrades
  • Funding for intangible assets

 

Available for all sectors except:

  • Biotechnology
  • Retail
  • Real estate
  • Farming
  • Financial services

 

Financing in line with your needs

  • Loans of up to $2 million
  • No corporate or personal guarantee required
  • No legal or management fees
  • Quick processing and answer
  • Preliminary answer in less than 15 days
  • Personalized, professional service
  • Flexible financial products
  • Local office
Equity Loan

Do you need funding for an expansion or acquisition project? Our Equity Loan combines the advantages of equity and a loan without having to give up any ownership. It’s a win-win situation!

Patient capital to take your business to the next level

Our philosophy is that we’re here for the long term. With that comes patient capital in the form of innovative, customized solutions. Because by helping to strengthen their financial structure, we’re helping local businesses grow and get ahead.

A solution in line with your needs

  • Loans of up to $2 million
  • Viewed as equity (quasi-equity) by financial institutions
  • Amortization of up to 7 years
  • No capital dilution
  • Principal repayment holiday for 2 to 5 years
  • Monthly payments
  • Fixed or variable rate
  • Variable interest can be capitalized
  • No corporate or personal guarantee
  • No legal fees
Growth Loan

Do you need leverage to finance your growth projects? If your business is profitable and financially sound, you can be approved for our Growth Loan within 15 business days.

Patient capital to help you get ahead

Adapted to an increasingly complex reality, our financial products and personalized services seek to help local businesses grow and get ahead.

A solution in line with your needs

  • Loans of up to $500,000
  • Amortization of 1 to 7 years
  • Principal repayment holiday of up to 6 months
  • Additional working capital
  • Can be used to complete a financing round
  • More efficient due diligence process means faster approval
  • Competitive interest rates
  • Prepayment option
  • Simplified loan agreement
Business Transition Loan

Has the time come for you to move on? If your business has a solid balance sheet, we can make it easier to transfer to the next owner. 

Patient capital to help you pass the mantle

Our personalized approach, based on a relationship of trust, allows us to offer patient capital through simple solutions that are beneficial to everyone involved and that help local businesses carry on.

A solution in line with your needs

  • Highly flexible repayment terms based on the surplus earnings generated
  • Viewed as equity (quasi-equity) by financial institutions
  • Repayment horizon of 10 years
  • Possibility of two repayment holidays of one year each
  • No personal guarantee
  • No legal fees
Performance Loan

Is your business in good financial health and growing strongly? If so, we can help you go even further.  

Patient capital to keep you on top

Our dynamic, personalized approach, based on a relationship of trust, allows us to offer patient capital through flexible financial solutions to help local businesses optimize their performance.

A solution in line with your needs

  • Loans of up to $2 million with no personal or corporate guarantee
  • May be viewed as equity (quasi-equity) by financial institutions
  • Maximum amortization of 7 years, including the repayment holiday
  • Initial 2-year repayment holiday (subject to review at any time)
  • Interest rate goes down at the end of the repayment holiday if performance objective is achieved
  • Possibility of another rate decrease 2 years later depending on performance
Competitiveness Solution

In a constantly changing economic environment, your business has to keep up. Whether you need to update your equipment, optimize processes, craft a marketing plan, create new products, upgrade your IT systems or train employees, the Fonds régional can help make your business more competitive.

Patient capital to keep you in the game

Thanks to our philosophy of long-term partnerships, we offer patient capital through flexible financial solutions to help local businesses grow and get ahead.

A solution in line with your needs

  • Loans of up to $2 million with no personal or corporate guarantee
  • Interest rate adjusted based on performance
  • Payments based on cash flow
  • Principal repayment holiday of up to 27 months
  • Possibility of prepayment without penalty (up to 50% of the initial principal)
  • Amortization of up to 7 years
  • No personal guarantee
  • No legal fees