Administered by Government of Quebec · Last verified: July 2026
Investissement Quebec offers loans to help businesses cover working capital needs, smooth out cash flow swings tied to the business cycle, and finance upcoming tax credits or market diversification. Projects start at a minimum of $250,000 (or $25,000 for social economy enterprises), with amortization periods of 5 to 8 years and a possible payment moratorium. The business must be registered in Quebec and keep its head office and strategic decision-making there.
Review times vary by program, from a few weeks to a few months, so check the official page for its timeline. Grant money is usually paid after you sign a funding agreement, and cost-shared programs often reimburse you once you send proof of what you spent.
Take the 3-minute quiz to find out, and see every other Canadian program you qualify for at the same time.
Check my eligibilityInvestissement Quebec Working Capital Loan (Pret pour liquidites) is generally open to incorporated, partnership businesses, in Quebec. Confirm the full criteria on the official program page before applying.
The estimated value is Loans on projects from $250,000, amortized over 5 to 8 years. The actual amount depends on your eligible costs, the program's budget, and approval.
1. Contact an Investissement Quebec account director at 1 844 474-6367 2. Submit the project details through the online form 3. Provide financial documentation for analysis
$250,000 to $2 million per company (up to $4 million with co-investors)
INCENTIVELoans up to $300,000, or up to $450,000 when combined with the innovation fund
INCENTIVEUp to $25,000 in financing