Need more financing?

Patient capital loan from
the chantier de l’économie
sociale trust

Loans from $50,000 to $1.5 million

No application fee

RISQ receives and analyzes investment applications submitted to the Chantier de l’économie sociale Trust. The Trust provides 2 types of loans: Operations Patient Capital (OPC) and Real Estate Patient Capital (REPC). As their names indicate, one supports your enterprise’s operations and the other supports your real estate investments.

OBJECTIVES

  • Support enterprises’ startup and expansion projects and support their real estate investments
  • Complement other financing products and increase overall availability of financing

CHARACTERISTICS

  • 15-year capital repayment moratorium
  • Fixed interest rate for the duration of the investment
  • The amount of the loan cannot represent over 35% of project costs

ELIGIBLE EXPENDITURES

  • Development or operational improvements
  • Adaptation of products and services
  • Costs related to working capital
  • Marketing new products
  • Acquisition of office equipment, computers, vehicles, machinery and equipment . . .
  • Costs related to the acquisition, construction, or renovation of real estate assets such as a property, building, warehouse, etc.

ELIGIBILITY

  • Social economy enterprises with assets of less than $100 million or with capital of less than $50 million.

EXCLUDED

  • Recovery and refinancing of existing debts
  • Early repayment of a long-term loan
  • Financing for activities that would result in the substitution of jobs held by public sector employees
  • Public and parapublic enterprises
  • Enterprises with over 200 employees
  • Childcare centres, enterprises providing home support, perinatal, educational, or housing services

HOW TO APPLY

For more information and to make a financing application, contact the team at RISQ

or

the team at Chantier de l’économie sociale trust

514 256-0992

Our other financial products

Technical assistance loan

Validate the idea

Pre-startup loan

Moving from idea to project

Capitalization loan 

Start up, develop, ensure continuity

Obtain financing to match your
stage of development

Starting up

Turning ideas into action!

Develop

Reinforce or stabilize your operations!

BECAUSE EVERY PROJECT IS UNIQUE, GET IN TOUCH WITH US!

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