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A Financing Offering Tailored to Different Needs

CAE Memphremagog provides entrepreneurs with flexible financing programs designed to meet the specific needs of their business.

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Financing
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For All Businesses in the MRC of Memphremagog

We support projects in several sectors of the economy, including tourism, information technology, manufacturing, retail, services, and more.

Please note that our financing services are offered exclusively to businesses located within the Memphremagog MRC territory. Please contact your MRC’s CAE or SADC for support in other geographical areas.

We support several types of projects: start-ups, full or partial business acquisitions, shareholder buyouts, equipment acquisitions, land or building acquisitions, expansion projects and working capital injection to support growth.

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Programs
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Our Financing Programs

Regular Fund logo

Regular Fund

To support businesses at every stage of their existence.
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Regular Fund

From start-up to succession, through expansion or growth projects, CAE Memphremagog has financing adapted to each entrepreneur’s needs.

You will speak with an advisor who will analyze your project and make the best recommendation to optimize your financing structure.

Terms and Conditions

Here are the modalities:

  • A term loan ranging from $20,000 to $150,000, and up to $300,000 if your business satisfies a list of specific criteria
  • A loan with an amortization period of 3 to 20 years, depending on the type of financing
  • A joint loan involving other financial partners
  • A loan conditional on a down payment from the entrepreneur, subject to certain conditions
  • A loan with various possible collateral arrangements

Loan terms can be adapted to the entrepreneur’s specific circumstances and may include, for example, seasonal payments or a temporary principal payment deferral.

Youth Strategy Fund logo

Youth Strategy Fund

To support young entrepreneurs.
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Youth Strategy Fund

Youth Strategy financing offers financial assistance in the form of a personal loan that can serve as a down payment to acquire, start, modernize, or develop a business.

You will speak with an advisor who will analyze your file and make the best recommendation to optimize your financing structure.

Terms and Conditions
  • An amount of $5,000 to $25,000 per entrepreneur; up to $30,000 if two eligible entrepreneurs are involved in the same project
  • 0% interest rate for the first 24 months
  • Principal payment deferral for the first six (6) months
  • Target amortization period of five (5) years, maximum seven (7) years
Eligibility Criteria

The entrepreneur must:

  • Be between 18 and 39 years of age
  • Have their business located in the Memphremagog MRC territory
  • Be the majority owner or a majority shareholder of the business and hold decision-making power alone or together with other entrepreneurs
  • Use the amount received for fixed assets, start-up costs, or to maintain working capital
  • Use the amount received as a down payment in the form of capital or a shareholder advance
  • Other criteria may apply based on the investment policy in place at the time
Transfer Strategy Fund logo

Transfer Strategy Fund

To acquire an existing business or ensure its succession.
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Transfer Strategy Fund

Transfer Strategy financing offers financial assistance aimed at facilitating the succession or acquisition of a business.

You will speak with an advisor who will analyze your file and make the best recommendation to optimize your financing structure.

It combines financial assistance with personalized support from a business development advisor.

Terms and Conditions
  • An amount of $10,000 to $50,000
  • 0% interest rate for the first 24 months
  • 3-month principal payment deferral
  • Amortization period of up to 7 years
Green Strategy Fund logo

Green Strategy Fund

To support the adoption of new eco-responsible practices.
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Green Strategy Fund

Green Strategy financing offers financial assistance aimed at supporting businesses that want to accelerate their green transition and are looking to optimize their energy efficiency or waste management or reduce their energy consumption to lower greenhouse gas emissions.

You will speak with an advisor who will analyze your file and make the best recommendation to optimize your financing structure.

It combines financial assistance with personalized support from a business development advisor.

Terms and Conditions
  • An amount of $10,000 to $50,000
  • 0% interest rate for the first 24 months
  • 3-month principal payment deferral
  • Amortization period of up to 7 years
Digital Fund logo

Digital Fund

To acquire new digital technologies.
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Digital Fund

Digital Strategy financing offers financial assistance aimed at supporting businesses in their digital transition, whether for the implementation of management systems, process automation, robotics, home automation, or IT security optimization.

You will speak with an advisor who will analyze your file and make the best recommendation to optimize your financing structure.

It combines financial assistance with personalized support from a business development advisor.

Terms and Conditions
  • An amount of $10,000 to $50,000
  • 0% interest rate for the first 24 months
  • 3-month principal payment deferral
  • Amortization period of up to 7 years
Business Ascent Fund

Business Ascent Fund

For more ambitious projects in terms of financing.
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Business Ascent Fund

Business Ascent financing offers financial assistance aimed at supporting business growth projects.

You will speak with an advisor who will analyze your file and make the best recommendation to optimize your financing structure.

It combines financial assistance with personalized support from a business development advisor.

Terms and Conditions
  • An amount of up to $500,000
  • Competitive interest rate
  • Principal payment deferral of up to 12 months, and as needed depending on project progress
  • Amortization period of up to 15 years
GoFin
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Access Financing Easily

With the GoFin tool, quickly explore multiple financing options and choose the one that best suits your needs and projects.

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Process
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How Does a Financing Application Work?

1 – Initial Contact

Our initial meeting focuses on understanding your project, goals and financial needs.

2 – Needs Assessment

We analyze your application in detail (business plan and financial projections).

3 – Specialized Recommendations

Based on our analysis, we present tailored and actionable solutions.

4 – Follow-Up

After financing is granted, we remain available to answer your questions and conduct an annual review of your business.

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FAQ
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Frequently Asked Questions — Local Economic Development

What types of financing does CAE Memphrémagog offer?

CAE Memphrémagog offers several forms of financing tailored to the needs of small businesses: loans for start-up or growth-stage businesses, financing for expansion projects or equipment acquisition, as well as support for business transfers.

We offer dedicated programs: Stratégie jeunesse, for entrepreneurs aged 18 to 39; Stratégie transfert, for business succession; Stratégie verte, for eco-responsible projects; and Stratégie numérique, for business digitalization projects. All four programs offer 0% interest for the first two years.

Our solutions complement traditional financial institutions, allowing us to support projects that do not always meet standard banking criteria.

What criteria should I expect when applying for financing from CAE Memphrémagog?

Your CAE Memphrémagog advisor evaluates each file on an individual basis. Generally speaking, we assess the project’s viability, repayment capacity, the quality of the business plan, and the entrepreneur’s contribution to the project.

We also take into account the project’s economic potential for the region.

We encourage anyone with a project to contact us, even if they believe they may not meet the criteria of a traditional bank.

What amounts can CAE Memphrémagog finance for my project, and under what conditions?

CAE Memphrémagog’s financing programs provide support starting at $20,000 and going up to $500,000. Terms (interest rate, repayment period, moratorium period) are established based on each individual situation.

Our goal is to offer terms that reflect the reality of your business, without unnecessarily increasing your financial burden, regardless of your stage of development.

We encourage anyone with a project to contact us to learn more about our financing programs and the various amounts available.

How can I submit a financing request to CAE Memphrémagog?

The first step is to contact a CAE Memphrémagog advisor for a no-obligation exploratory meeting. During this meeting, we discuss your project and your needs.

If your project is eligible, we will guide you through preparing your financing file, which generally includes a business plan, financial projections, and certain legal and financial documents.

Our team supports you at every step of the process.

Request
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Submit Your Financing Application

A First Step Toward Bringing Your Project to Life

Start your process now with CAE. One of our advisors will contact you to plan the next steps!