PME MTL Investment Funds
Fuel your Montreal business growth with loans up to $300,000 for equipment, working capital, or acquisitions. This is repayable financing that requires you to invest at least 20% of the project cost yourself. Verified against the official source on July 2, 2026.
How we verify funding records →
“The Fonds d'Investissement innovation provides financing for projects that aim to shape Montreal’s future and can be combined with the Fonds PME MTL, for a total of up to $450,000.”
Before you spend a dollar
This is a loan, not a grant; you must repay the principal plus interest over a variable term.
At a glance
Subject to program rules, available funding, and approval. Confirm current details with the official program administrator.
Not sure if you qualify?
Get a free, 2-minute read on whether this program fits your business. No obligation.
Check your fit →Is this for you?
- You run a legally registered business with your head office in Montreal and Quebec.
- You need capital for working capital, equipment, marketing, or buying another company.
- You can contribute at least 20% of the total project cost from your own funds.
Probably not the right fit if
- You are not a Canadian citizen or permanent resident.
- Your business is located outside of Montreal or does not have its head office in Quebec.
- You cannot provide a business plan with financial statements and a sustainability strategy.
How much you'd realistically get
Up to $300,000 for standard PME MTL loans, up to $100,000 for FLS Montreal, or up to $150,000 for the Innovation Investment Fund.
What may be supported
- Working capital fund
- Capital assets
- Marketing expenses
- Equipment purchases or renewal
- Company acquisition (succession and transfer)
- Patent or intellectual property protection fees
- Prototyping (for existing companies only)
How applying works
Effort: involvedYou must submit a comprehensive business plan including financial statements and a sustainability strategy, and demonstrate entrepreneurial experience.
- 01Select your territory or enter your postal code on pmemtl.com to find your local service centre.
- 02Prepare a business plan including financial statements and a sustainability strategy.
- 03Ensure you have at least 20% of the project cost available for personal investment.
- 04Submit your application to the joint investment committee (CIC) of your local PME MTL hub.
- 05Await review and approval based on risk assessment and management skills.
Who to ask: Contact your local PME MTL service centre.
Documents commonly required
- Business plan
- Financial statements
- Sustainability strategy
- Proof of legal constitution and registration in the Registre d'entreprises du Québec
- Proof of Canadian citizenship or permanent residency
How BBN Labs helps
- BBN builds your website and e-commerce store with the loan funds, creating a 24/7 sales channel that captures customers beyond your physical storefront.
- BBN uses the PME MTL loan to build your Local SEO and review system, designed to boost visibility and earn customer trust.
- BBN implements a modern POS and loyalty program with the equipment funds, streamlining checkout and turning one-time buyers into repeat regulars.
- BBN designs your storefront signage and coordinates qualified partners for installation, using capital asset funds to make your location impossible to miss.
- BBN guides you through the application and deadlines so you don't lose the funding.
What to know before you count on it
- You must invest at least 20% of the total project cost yourself.
- Interest rates are variable and set according to assessed risk.
- The loan term length is variable and not fixed in the general guidelines.
- Specific interest rate figures are not stated; confirm on the official page.
What are your odds?
Approval depends on the joint investment committee's assessment of your risk profile and business plan quality.
Frequently asked questions
What is the interest rate?
Interest rates vary according to risk. Specific figures are not stated; confirm on the official page.
How long is the loan term?
The loan term is variable. Specific length is not stated; confirm on the official page.
Do I need to repay this money?
Yes, this is a loan. You must repay the principal plus interest.
What costs are excluded?
Specific excluded costs are not stated; confirm on the official page.
What you can combine it with
You may combine this with other PME MTL financial services or related programs like the Young Business grant if eligible.
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Get alerted when this changes
Programs open and close, budgets run out, rules change. We send one short email when something changes that matters for this program.
Record last updated July 3, 2026; last verified July 2, 2026 against the official source. Source: official program page.