Financing

At the SADC Bellechasse-Etchemins, we believe in your ideas. Whether you are starting up, taking over, expanding, or undergoing change, we offer flexible financing that complements financial institutions to help you achieve your projects. We also support businesses that want to integrate sustainable development practices and build a more responsible future.

Loans to businesses in Bellechasse-Etchemins

All businesses with fewer than 200 employees are eligible for loans from the SADC Bellechasse-Etchemins. All sectors of activity are eligible. For goods and service businesses, eligibility is assessed based on:

The need for the service in the community.
Local competition.

Start-up & development loans

Regular Loans

The perfect financial assistance to improve your business’s working capital or to acquire fixed assets.
Conventional or participatory loan.
Up to $150,000.

Youth Strategy

A lever for entrepreneurs aged 18 to 39 who want to carry out a business project.
Personal loan with a 24-month interest-free period.
Up to $25,000.

Quasi-Equity

Allows you to increase the equity capital needed to carry out an investment project.
Conventional loan with personal guarantee.
From $25,000 to $100,000.
Moratorium on principal of up to 5 years (interest-only payments).
Certain eligibility criteria apply.

Business development

Youth Strategy

Specialized business transfer loans

SME Transfer

Transfer of an existing business (family, employee, or external buyer) including the acquisition of assets or shares.
Conventional or equity loan.
Up to $150,000.

Youth Succession Strategy

For entrepreneurs aged 18 to 39 who are taking over an existing business.
Considered a supplement to the down payment required by financial institutions.
Personal loan with a 24-month interest-free period.
Up to $25,000.

Transfer Strategy

To supplement the financing of a business transfer.
Conventional loan with personal guarantee.
24-month interest-free period.
From $10,000 to $25,000.

To help you plan and carry out your business transfer project, you can obtain a non-repayable financial contribution to pay for specialized external expertise. This contribution represents 80% of the cost of eligible professional fees, up to a maximum of $5,000.

Business transfer

Specialized loans for sustainable development

Green Strategy

To support your transition to sustainable development, whether through the adoption of eco-responsible practices, the reduction of your ecological footprint, or the implementation of clean technologies.
Conventional loan with personal guarantee.
24-month interest-free period.
From $10,000 to $25,000.

Sustainable Development

Financial support to fully integrate sustainable development into your business model.
Support for adopting eco-friendly practices, conducting studies and analyses, or acquiring and modifying equipment.
Concrete help to implement more sustainable processes and improve your company’s performance.
Up to $150,000.

To support you in your green transition, you can obtain a non-repayable financial contribution to pay for specialized external expertise. This contribution represents 80% of the cost of eligible professional fees, up to a maximum of $5,000.

Specialized digital transition loans

Digital Strategy

To carry out a comprehensive digital transformation process.
Adopt technologies to digitize and optimize your activities.
Conventional loan with personal guarantee.
24-month interest-free period.
From $10,000 to $25,000.

SME – Web

Support to develop or strengthen your online presence.
Digital tools and solutions tailored to small businesses.
Funding can cover up to 80% of eligible expenses.
Loan of $1,000 to $10,000.

In order to adopt a better digital strategy, you can obtain a non-repayable financial contribution to pay for specialized external expertise. This contribution represents 80% of the cost of eligible professional fees, up to a maximum of $5,000.

Sustainable Development Incentive

In order to recognize businesses’ efforts to adopt eco-friendly practices, each new loan taken out with the SADC Bellechasse-Etchemins automatically includes a sustainable development assessment. Depending on the results, an interest rate reduction of up to 1% may apply.

The SADC’s investment policy takes precedence over any contradictory or outdated information that may appear on the website.

How does it work?

Assessment during the analysis of your file (regardless of the type of loan).
Questionnaire covering four areas: governance, economic efficiency, ecological footprint, and community involvement.
Each improvement is recognized and valued.

Testimonials

Discover the stories of entrepreneurs who have benefited from our funding and made a difference in Bellechasse and Les Etchemins.

La Sultana

Saint-Benjamin

Starting a business takes courage. The SADC’s youth financing gave me the momentum to turn my idea into a real project.

– Kristel Audet

Dépanneur Sainte-Claire

Sainte-Claire

The SADC believed in my project from the very beginning and was an important partner in the takeover. Now that the succession is official, I know I can count on my advisor to continue supporting me.

– Amjad Ben Salem

Parc Aventure Ziptopia inc.

Saint-Philémon

From the very first contact, I liked the SADC’s openness and flexibility The team believes in my project and together we are working to make it a success. I often have questions or need recommendations. When I call my advisor, I find a sympathetic ear and good advice.

– Louis Beauregard