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QUÉBEC
Business Development and Financing
Information & Services Only
Agri-Food Export Group Quebec – Canada
Agri-Réseau
Aliments du Québec
Centre de référence en agriculture et agroalimentaire du Québec (CRAAQ)
Fédération d’agriculture biologique du Québec (FABQ)
Fédération des coopératives de développement régional (CDR) du Québec
Fédération des groupes conseils agricoles du Québec (FGCAQ)
Info entrepreneurs
Institut de technologie agroalimentaire (ITA)
La Coop fédérée
Solidarité rurale du Québec
Transformation Alimentaire Québec (TRANSAQ)Services & Financial Programs
Association des centres locaux de développement du Québec (ACLDQ)
Canada Economic Development for Quebec Regions
Capital Financière agricole inc.
Conférences régionales des élus (CRE)
Conseil pour le développement de l’agriculture au Québec (CDAQ)
Fédération des caisses Desjardins du Québec
Fédération des producteurs de porcs du Québec (FPPQ)
Filaction
Fondaction
Fonds de développement de la transformation alimentaire (FDTA)
Fonds de financement coopératif
Fonds québécois d’adaptation des entreprises agroalimentaires (FQAEA)
Investissement Québec (IQ)
La Financière agricole du Québec
Ministère de l’Agriculture, des Pêcheries et de l’Alimentation du Québec (MAPAQ)
Ministère des Affaires municipales et des Régions (MAMR)
Ministère du Développement économique, de l’Innovation et de l’Exportation (MDEIE)
Réseau d’investissement social du Québec (RISQ)
Réseau des SADC du Québec
Revenu Québec
Union des producteurs agricoles(UPA)Federal Programs for Business Development and Financing
AGRI-GOOD EXPORT GROUPE QUEBEC – CANADA
The Agri-Food Export Group Quebec-Canada is a network of professionals offering different export-related services, such as advisory services concerning regulations and labelling, validation of export markets, export training and shipping.
Languages: English and FrenchAGRI-RÉSEAU
Agri-Réseau distributes leading edge information to Quebec businesses and professionals in agriculture and agri-food through specialized internet sites. The portal comprises 12 specialized sites in agro-environment, agriculture, organic agriculture, sheep industry, etc.
Language: French onlyALIMENTS DU QUÉBEC
Aliments du Québec (Quebec Foods) is the generic promotion vehicle for Quebec agri-food. It is the agent for the single trade name based on product origin, and contributes to the growth of market share of Quebec products on the domestic market through identification mechanisms, awareness-raising and promotion.
Language: French onlyASSOCIATION DES CENTRES LOCAUX DE DÉVELOPPEMENT DU QUÉBEC (ACLDQ)
The Association of Local Development Centres of Quebec (ACLDQ) brings together the Centres locaux de développement (CLDs) throughout Quebec. The 120 CLDs offer technical and financial assistance to new business development projects or existing businesses contemplating expansion or consolidation, whatever the age or stage of development of their business. They are responsible for coordinating various financing programmes in their areas. To find out more about the priority sectors and eligibility criteria, contact the CLD in your region (CLD coordinates).
FONDS DE DÉVELOPPEMENT DES ENTREPRISES D’ÉCONOMIE SOCIALE (FDEÉS): This fund provides grants to social economy groups conducting projects whose goals are of a social nature, and supporting job creation, among other objectives. Funding may be applied to capital expenditures, technology acquisition or operating fund requirements. Combined financial assistance provided by governments and the CLD must not exceed 80% of eligible expenditures.
JEUNES PROMOTEURS: This fund provides financial assistance via non refundable contributions to young entrepreneurs, ages 18 to 35. The program has three components: implementing a business project (feasibility study, preliminary work), creating a first company (capital expenditures, technology acquisition, operating funds) and entrepreneur training.
FONDS LOCAL D’INVESTISSEMENT (FLI): This fund provides loans, loan guarantees, warranties, equity holdings or other securities to support capital expenditures, technology acquisition or operating fund requirements. It is intended for social and traditional economy enterprises in the start up or development phase. Overall financial assistance provided by governments and the CLD may not exceed 50% of eligible expenses except in the case of social economy companies (80%).
Language: French onlyCANADA ECONOMIC DEVELOPMENT FOR QUEBEC REGIONS
Canada Economic Development Agency for Quebec Regions promotes long-term economic development. It offers advisory services and financial assistance to small and medium-sized Quebec businesses. The Agency is present throughout Quebec through its business offices.
Languages: English and FrenchCAPITAL FINANCIÈRE AGRICOLE INC.
Capital Financière agricole inc, an affiliate of Financière agricole du Québec, provides support in the form of risk capital to profitable and structure-building projects for the development of the agricultural and agri-food sector. It invests in businesses in partnership with other public and private investors in all regions of Quebec, and is involved mainly in projects of processing and distribution of food products that will help increase the outlets for agricultural products. It can also get involved in projects upstream from the primary sector and in the agricultural field.
Languages: English and FrenchCENTRE DE RÉFÉRENCE EN AGRICULTURE ET AGROALIMENTAIRE DU QUÉBEC (CRAAQ)
The CRAAQ is a vast network of experts, including directors of agricultural businesses, agriculturalists, researchers, trainers, and extension workers. The CRAAQ creates and distributes reference and networking tools in the agriculture and agri-food fields. Its clientele is made up of agricultural and agri-food businesses, advisors, organizations and other participants in the sector. CRAAQ organizes conferences and workshops, and coordinates the Agri-Réseau portal site.
Language: French onlyCONFÉRENCES RÉGIONALES DES ÉLUS (CRE)
The CREs are authorities made up of elected municipal councillors, representatives of different socioeconomic sectors and Aboriginal communities. Each of the 21 Regional Conferences of elected representatives is the voice in dealing with government on questions of regional development for the territory or community it represents.
FONDS DE DÉVELOPPEMENT RÉGIONAL (FDR) (Regional Development Fund): Each CRE implements a five-year development plan and has funding to put it into effect according to regional priorities. Thus the CREs are able to finance projects in different sectors of activity using the Regional Development Fund.
Language: French onlyCONSEIL POUR LE DÉVELOPPEMENT DE L'AGRICULTURE DU QUÉBEC (CDAQ)
CDAQ (Council for the Development of Quebec Agriculture) implements programs and manages funds that are entrusted to it by Agriculture and Agri-Food Canada (AAFC) for the development of agriculture in Quebec. It provides financial and technical support in 3 fields of action: farmer self-reliance, market development and environment. CDAQ works particularly in the following sectors: challenge and solution, greencover, water supply expansion, environmental farm plan, goose scaring, consulting services, on-farm biosecurity, biofuels, and energetic solutions. Visit the website for a list of programs.
Languages: English and FrenchFÉDÉRATION D'AGRICULTURE BIOLOGIQUE DU QUÉBEC (FABQ)
The Federation represents Quebec’s organic producers and works on issues that affect them directly. It also aims to have organic agriculture recognized by governments, conventional agricultural producers, consumers and others linked to this sector. FABQ is made up of four specialized provincial associations (dairy, grain, maple syrup and organic meats) and a committee on organic horticulture.
Language: French onlyFÉDÉRATION DES CAISSES DESJARDINS DU QUÉBEC
The caisses have specialized advisors to inform and guide businesses regarding the different financial products and services offered. Some caisses in the regions have agents specialized in the agricultural field.
CAPITAL RÉGIONAL ET COOPÉRATIF DESJARDINS: (Desjardins Regional and Co-operative Capital): Capital régional et coopératif Desjardins has entrusted the management of its operations and its portfolio of investments and placements to Desjardins Capital de risque. It injects risk capital into co-operatives and businesses and offers expertise and advice to stimulate their start-up, growth and influence. One of its priorities is investing in the capitalization of co-operatives and in the resource regions of Quebec: Abitibi-Témiscaminque, Bas-Saint-Laurent, Côte-Nord, Gaspésie-Îles-de-la-Madeleine, Mauricie, Nord-du-Québec and Saguenay-Lac-Saint-Jean.
Languages: English and FrenchFÉDÉRATION DES COOPÉRATIVES DE DÉVELOPPEMENT RÉGIONAL (CDR) DU QUÉBEC
The Federation brings together the regional development co-operatives (CDRs) located throughout Quebec. It provides information, support and technical assistance for the design and development of co-operative projects (business plans, feasibility studies, etc.); and training to assist with the creation and development of co-operative businesses in the region. A network of development officers provides ongoing assistance to groups. The Federation is also actively involved in the development of co-operatives among youth.
Language: French onlyFÉDÉRATION DES GROUPES CONSEILS AGRICOLES DU QUÉBEC (FGCAQ)
(Quebec Federation of Agricultural Advisory Groups) - With the purpose of improving the management of their businesses, Quebec farmers have created collective service organizations called « agricultural management syndicates » (agricultural advisory groups – CGAs). The Federation offers a range of services to its CGA members, notably training activities. Its main fields of action are support services for organizing CGAs, services to advisors/extension workers, support for human resources management, services related to information, promotion, communications, representation and development.
Languages: English and FrenchFÉDÉRATION DES PRODUCTEURS DE PORCS DU QUÉBEC (FPPQ)
The Federation of Quebec Hog Producers (FPPQ) is responsible for administering three funds set up on the basis of the deductions collected on each hog put on the market: a Publicity and Promotion Fund, a Research Fund, and a general fund offering technical expertise to help implement different development support programs, such as the Programme québécois d’assurance de la qualité (Quebec quality assurance program), the Plan agroenvironnemental de la production porcine, (Agro-environmental pork production plan), the Plan de valorisation de la profession (professional enhancement plan) and développement de la génétique (genetics development).
Language: French onlyFILACTION
Filaction (value-added development capital), the Fund for local investment and community funding, is an initiative of Fondaction. Eligible for financing are businesses, whatever their legal form, that encourage worker participation in decisions that affect them, enterprises of social economy and solidarity, and local development funds that give access to microcredit and offer people and groups advice and support to encourage their economic autonomy.
Language: French onlyFONDACTION
Fondaction is the Development Fund of the CSN (Confédération des syndicats nationaux - Confederation of National Trade Unions) for cooperation and employment. It can invest in any Quebec enterprise, a majority of whose employees are Quebec residents. The assets of these businesses must be less than $100 million, or their net worth no more than $50 million, whatever their activity sector. The Fund gives preference to businesses involved in a process of participatory management, to worker-controlled businesses or co-operatives, and to environmentally friendly businesses.
Language: French onlyFONDS DE DÉVELOPPEMENT DE LA TRANSFORMATION ALIMENTAIRE (FDTA)
The FDTA (Food Processing Development Fund Inc.) manages the funds allocated to Quebec’s processors by the Canadian Agriculture and Agri-food Sector Advancement Program (PASCAA). The program Dévelop’Action responds to three main areas of concern of food processing businesses: production, equipment and buildings; research and development; and marketing and sales. It is made up of four parts, each with a specific objective: 1) solving emerging issues, 2) transfer of research results, 3) information sharing, and 4) phase II.
Languages: English and FrenchFONDS DE FINANCEMENT COOPÉRATIF
This Fund is the fruit of a partnership between Fondaction, the Réseau d’investissement social du Québec (RISQ) and Filaction. For collective businesses, co-operatives and social economy non-profit organizations, the Fonds de financement coopératif can offer amounts between $100,000 and $250,000. Filaction is responsible for managing these funds, that is, for receiving and evaluating applications and making all the investment decisions, as well as ensuring follow-up on behalf of the partners.
Language: French onlyFONDS QUÉBÉCOIS D'ADAPTATION DES ENTREPRISES AGROALIMENTAIRES (FQAEA) (No website)
This CARD Adaptation fund promotes the development of Quebec’s agri-food processing industry through innovation and value-added production. The fund supports projects that focus on adaptation of means of production, collective restructuring actions, and improvement in product quality.
Languages: English and FrenchINFO ENTREPRENEURS
Info entepreneurs is part of the Réseau Entreprises Canada (Canada business network) which has 13 main centres across the country. The mandate of Info entrepreneurs is to provide businesses in all regions of Quebec with commercial information about programs, services and regulations of the provincial and federal governments. Info entrepreneurs distributes Info-Guides on subjects like support for start-up or export, as well as interactive tools on the Internet (interactive business plan and business start-up assistance system.)
Languages: English and FrenchINSTITUT DE TECHNOLOGIE AGROALIMENTAIRE (ITA)
The Institute contributes to regional development and technological development in the areas of organic agriculture, agroforestry, agro-environment and geomatics. The ITA offers services such as: preparing project proposals, seeking funding, project supervision, data analysis, writing of technical and scientific reports, and help with getting tax credits for scientific research and experimental development.
Language: French onlyINVESTISSEMENT QUÉBEC (IQ)
IQ offers economic development tools in order to help businesses adapt to market imperatives. It ensures the management of fiscal measures that allow eligible businesses to benefit from tax credits to carry out activities in target sectors. Investissement Québec provides services through its team of portfolio directors and analysts specialized in financing of co-operative businesses in its Quebec and Montreal offices and in the 13 regional offices of Investissement Québec. Consult the website for an overview of financial solutions to support the development of a business
Languages: English and FrenchLA COOP FÉDÉRÉE
La Coop fédérée provides products and services, either directly or through co-op members, ranging from livestock production services to co-op consulting (planning, marketing, human resources management, etc.). It also provides training, including a curriculum for new agricultural co-op managers, and support to the newly elected officers so they can fulfill their obligations.
Language: French onlyLA FINANCIÈRE AGRICOLE DU QUÉBEC
La Financière agricole provides technical advisory support for financial analysis, business plan development, business funding, development of recovery plans, and financing in partnership with accredited financial institutions. Among other things, it offers the Programme d’assurance stabilisation des revenus agricoles (ASRA), (farm income stabilization insurance program) whose goal is to guarantee a net annual income to Quebec’s farm businesses; a compensation amount is paid when the average price of a product is lower than the stabilized income level. La Financière agricole has a team of advisors who offer their services through 23 service centres in all regions of Quebec.
Languages: English and FrenchMINISTÈRE DE L'AGRICULTURE, DES PÊCHERIES ET DE L'ALIMENTATION DU QUÉBEC (MAPAQ)
MAPAQ offers specialized training in agribusiness management and operations, as well as in technology in the sectors of livestock production, food processing, etc. at two agri-food technology institutes (ITA de La Pocatière and ITA de Saint Hyacinthe). MAPAQ offers programs in the following sectors: animal and plant production, commercial fishing and aquaculture, food processing and distribution and restaurants and retail sales.
Language: French onlyMINISTÈRE DES AFFAIRES MUNICIPALES ET DES RÉGIONS (MAMR)
MAMR (Ministry of Municipal and Regional Affairs) ensures the establishment and maintenance of municipal services for all citizens as well as regional and rural development. It also manages various funding and support programs, for example the Fonds de diversification économique régional de la Gaspésie-Îles-de-la-Madeleine (regional economic diversification fund for Gaspé and the Magdalen Islands), the Fonds de soutien aux territoires en difficulté (support fund for territories in difficulty) and the Fonds conjoncturel de développement (contingency development fund).
Language: French onlyMINISTÈRE DU DÉVELOPPEMENT ÉCONOMIQUE, INNOVATION, EXPORTATION (MDEIE)
ECONOMIC PROJECTS SUPPORT PROGRAM (PSPE): PSPE supports Quebec business investment projects and product development projects from the perspective of productivity improvement and job creation. The program targets for-profit private businesses, co-operatives with activities similar to those of for-profit private businesses, and groups of businesses.
LA DIRECTION DES COOPÉRATIVES : (Co-operatives Directorate): The Directorate’s mission is to facilitate the establishment and growth of co-operatives. It contributes to the development of the different sectors of co-operative activity through appropriate follow-up and support. It provides information on legislation, organization and operation of co-operatives, and produces statistics and reference documents on the different types of co-operatives. It manages the Entente de partenariat relative au développement des coopératives (Partnership Agreement on co-operative development), the new Régime d'investissement coopératif (Co-operative Investment Regime), the issuing of statements of eligibility for the Ristourne à impôt différé (Differential tax refund) and the Group Entrepreneurship and the Capitalization of Social Economy Companies programs administered by Investissement Quebec.
Languages: English and FrenchRÉSEAU D'INVESTISSEMENT SOCIAL DU QUÉBEC (RISQ)
RISQ is a not-for-profit risk capital fund that supports collective enterprises by injecting capital which serves as a financial lever for carrying out their projects. It offers financing adapted to social economy enterprises in the start-up, consolidation, expansion and restructuring stages, through its two main action branches: the capitalization component and the technical assistance component.
Language: French onlyRÉSEAU DES SADC DU QUÉBEC
Languages: English and French
The Réseau des SADC du Québec is a network of non-profit organizations that works at bringing out the best in Québec’s regions and ensuring each region’s development. It provides technical assistance for project development in support of local entrepreneurship and youth. The Réseau regroups professionals, development officers, financial analysts and youth consultants involved in developing projects and providing support to businesses within their communities. For more information, consult the list of CFDCs and CBDCs in Quebec.
INVESTMENT FUND: This fund provides financial assistance including conventional loans, profit-sharing loans or capital stock, and may total up to $125,000. Though CFDCs and CBDCs are independent, they generally adhere to loan guidelines. To qualify for assistance, a project must be within the coverage area of the CFDC or CBDC, be in a field of activity that corresponds to the community’s development plan, result in jobs being created or maintained, and show reasonable development and feasibility potential.
YOUTH STRATEGY PROGRAM: Financial aid to encourage the acquisition, implementation, expansion or modernization of a business by one or more young people ages 18 to 35. Assistance ranging from $5,000 to $15,000 provided interest free for two years with a potential capital reimbursement holiday for a maximum of two years. Possibility of two young entrepreneurs applying with respect to the same project.REVENU QUÉBEC
Languages: English and French
CORPORATION TAX CREDITS: Businesses may have the right to various tax credits. This section of Revenu Quebec presents the basic regulations corresponding to the main credits, the eligible companies and expenses, as well as the method for applying for one or another of these credits. To find out more about the technical information relating to each tax credit, see the corresponding forms, as well as the Guide de la déclaration de revenus des sociétés.
REFUND IN RESPECT OF BIODIESEL FUEL: Refund mechanism for the fuel tax to encourage the use of biodiesel as a transportation fuel.SOLIDARITÉ RURALE DU QUÉBEC
This organization provides training for rural development agents. It supplies information on rural realities and rural development through documentation and reference centres; carries out research and studies on the problems of rural communities; and publishes studies, discussion papers and listings of resources and initiatives in rural development. It also produces briefs and opinions on different issues that may affect rural development.
Language: French onlyTRANSFORMATION ALIMENTAIRE QUÉBEC (TRANSAQ)
TRANSAQ (Food Processing Quebec), an agency of MAPAQ (Quebec Ministry of Agriculture, Fisheries and Food), offers services to entrepreneurs who have development projects in food processing or a related field. It takes over from Carrefour Alimentaire du Quebec to give food processing businesses easier access to different government services and programs. It provides advice and accompaniment in the areas of innovation, quality, and internal and export market development. It carries out sectoral and strategic analyses, and proposes strategies, programs and other measures to support development of the industry.
Languages: English and FrenchUNION DES PRODUCTEURS AGRICOLES (UPA)
Languages: English and French
The UPA groups agricultural producers according to the geographical territory they come from and the type of agricultural production they are involved in. It is a major voice for farmers in Quebec.
AGRICULTURE ON THE WEB: This site puts forward a list of, and links to, most of the federations, associations and groups in all agriculture and agri-food sectors.
THE UPA’S ACCOUNTING AND TAXATION SERVICES: UPA’s accounting and taxation network comprises over 100 professionals who provide services for financial planning and analysis and financial statement preparation through 12 UPA regional federation offices.