Réseau des SADC et CAE — Loans
Get the capital and expert guidance to launch or grow your Quebec micro-business. These are government-backed loans you must repay, so contact your local SADC or CAE office directly to confirm terms. Verified against the official source on July 3, 2026.
How we verify funding records →
Before you spend a dollar
Confirm with your local office whether funds are disbursed upfront or upon reimbursement, as terms vary by project.
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 small business in Quebec and need funding for a start-up, expansion, or succession plan.
- You are a youth entrepreneur, a woman, or an Indigenous business owner looking for targeted support.
- You want both capital and practical help with accounting, marketing, or going digital.
Probably not the right fit if
- You are located outside Quebec, since this network serves only Quebec regions.
- You are looking for a grant or free money, because this is a loan that requires repayment.
- You want to apply online through a central portal, as you must contact your local SADC or CAE office directly.
How much you'd realistically get
Varies by project size and local office capacity; confirm specific caps on the official page.
What may be supported
- Business start-up and expansion.
- Business transfer and succession.
- Tourism business support.
- Green shift and sustainable development practices.
- Digital shift and innovation projects.
- Downtown and village core revitalization.
How applying works
Effort: moderateYou must locate your local office, prepare a business plan, and negotiate terms directly with the SADC or CAE.
- 01Locate your local SADC or CAE office using the online finder tool.
- 02Contact the office directly to discuss your project and financing needs.
- 03Prepare your business plan and financial projections for review.
- 04Submit your application and negotiate terms with the local office.
- 05Receive approval and disbursement according to the agreed-upon mechanics.
Who to ask: 418 658-1530, info@sadc-cae.ca, or https://www.sadc-cae.ca/en/contac-us/
Documents commonly required
- Business plan detailing start-up, expansion, or succession goals.
- Financial projections and personal credit information.
- Proof of Quebec location and business registration.
- Specific documentation for youth, women, or Indigenous applicants if applicable.
How BBN Labs helps
- BBN builds your business website and e-commerce store with the loan funds, creating a digital storefront that attracts customers and expands your reach beyond your immediate neighborhood.
- BBN sets up Local SEO and Google Business Profile using the financing, designed to boost visibility when local customers search for your services in Quebec.
- BBN designs your storefront signage and coordinates qualified partners for installation, helping you revitalize your physical presence and draw more foot traffic to your location.
- BBN guides you through the application and deadlines so you don't lose the funding.
What to know before you count on it
- This is financing, not a grant; you must repay the loan with interest.
- Terms are locally managed and tailored to individual needs, so there is no single standard rate or cap listed here.
- You must demonstrate viability to service the financing, as approval depends on your business plan and creditworthiness.
- Specific payment mechanics (upfront vs. reimbursement) are not stated centrally and require direct confirmation.
What are your odds?
Approval depends on your ability to service the debt and the viability of your project, not on a competitive ranking.
Frequently asked questions
Is this a grant or a loan?
This is government-backed financing, meaning it is a loan that you must repay with interest.
How do I find my local office?
Use the 'Find your SADC or CAE' tool on the official website to locate the office serving your region.
Are there specific funds for youth or women?
Yes, there are specific strategies for youth (18-39), women (Flexi-loan), and Indigenous communities.
Can I get technical help with my business plan?
Yes, SADCs and CAEs provide technical assistance in accounting, finance, HR, marketing, and management.
What you can combine it with
You may combine this with other federal or provincial programs, but confirm with your local office to avoid duplication.
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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 3, 2026 against the official source. Source: official program page.