Financing

The CAE des Basses-Laurentides offers flexible financial products adapted to the specific needs of SMEs

Financial aid from CAE des Basse-Laurentides ranges from $50,000 and $500,000 according to the type of project. These are short-term loans that must be repaid between 6 months and 5 years. Each application must be accompanied by the company's financial statements and a personal bond. Loans are charged of the total investment in study fees. The interest rate is set according to the dossier.

Research and Development Funds

Up to 75% of the refundable tax credits for SR&ED

 

Support:

  • Businesses who want to finance all or part of their scientific research and experimental development (SR&ED) projects in order to market their product or service more quickly.

Prerequisites:

  • The obtaining of an estate mortgage of first priority on the SR&ED tax credit of the financed year.
  • A loan guarantee from Investissement Québec for any future SR&ED financed tax credits.
  • Loan repayment at the reception of tax credits.
 

Order Financing Funds

Up to $150,000 per enterprise

 

Support:

  • Businesses who are looking for temporary financing of salaries and/or the purchase of raw material necessary for filling a specific order.

Prerequisites:

  • The enterprise must be in at least its second year of operation, profitable and growing.
  • The loan must be authorised by the client's bank and the client must relinquish their claim priority for the accounts receivable for this order only.
  • The loan must be repaid in total when the client's payment is received.
 

The Capital Funds for Business Succession

Ranging from $125,000 to $500,000 per project

 

Support:

  • Business successions through interest-free loans. This fund aims to maintain employment and decision-making in the region of the Basses-Laurentides.

Prerequisites:

  • The project must involve the participation of four partners : the buyer, the Succession Fund, the CAE des Basses-Laurentides, and a venture capital corporation.
  • A minimum investment of $125,000 from the buyers.
 

Start-up Funds

Up to $150,000 per enterprise

 

Support:

  • The start-up of major job-creation projects by complementing the traditional lenders.

Prerequisites:

  • Minimum investment of 20% of the total project costs by the promoter.
  • Presentation of a detailed business plan.
 

Global Funds

Up to $150,000 per enterprise

 

Support:

  • Businesses who want to finance all or part of their projects with the help of supplementary financing. This fund may be used for working capital, purchasing inventory, equipment, and/or capital property.

Prerequisite:

  • A detailed financial plan.
 

Consulting services of CAE des Basses-Laurentides

 
  • Assistance in developing projects.
  • Management consulting.
  • Support for preparation of financial forecasts.
  • Support in researching financing.
  • Help in business plan preparation.
  • Referrals to appropriate resources.
  • Search for financial partners.
 

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This initiative has been made possible through funding from Canada Economic Development.

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