Affiliated products

Fondation Béati │ FCIC │FICC │ FILE

RISQ’s financial products complement those of its solidarity finance partners.

Having developed expertise in the analysis of social economy enterprise projects, RISQ is looking foward to stronger collaborations that will allow businesses to obtain greater access to capital.

By submitting a financing application to RISQ, enterprises have the opportunity to add complementary financing to their financial package.

CANADIAN CO-OPERATIVE INVESTMENT FUND– CCIF

LOANS BETWEEN 50 k$ AND 1,25 M$

RISQ’s mandate is to submit and analyze cooperative projects in Quebec that meet the Fonds canadien d’investissement coopératif (FCIC) criteria.

A $25 million fund with a pan-Canadian reach, the CCIF offers flexible loans adapted to the specific stage of development and needs of cooperatives.

ELIGIBILITY

  • Flexibility of customized loans according to the needs of the enterprise
  • Variable interest rate depending on the risk assessment (between 5 and 8%)
  • Financial guarantee
  • Initial fee of 1.5%.

TYPES OF FINANCING

Loans

  • Purchase of equipment
  • Working capital, bridge loan
  • Mortgage type: 25-year amortization, term of 1 to 7 years
  • etc.

Hybrid Products 

  • Loan repayment based on revenues and cash flow
  • Loan to support the conversion of small and medium-sized enterprises to cooperative ownership through member share purchase

Participatory products

  • Investment in preferred shares
  • Etc

Submit a request

RISQ has the analysis mandate for Quebec, contact us to validate your eligibility.

FONDATION BÉATI

50% LOAN GUARANTEE ON RISK-CAPITALIZATION FINANCINGS

The partnership with Fondation Béati makes possible the investment of larger amounts and capittal to enterprises, as financial risk is shared and minimized to each party through a loan guarantee on certain financing granted to RISQ’s capitalization component.

ELIGIBILITY

  • Social economy enterprises (NPOs and CO-OPs) that have obtained a capitalization loan from RISQ
  • Projects which social priority is based on
    • The revitalization of regional communities through the development of a solidarity-based economy
    • The improvement of the living conditions of people living in poverty.

SELECTION CRITERIA

  • Innovation
  • Approach
  • Positioning
  • Community impact
  • Financial management…

TERMS AND CONDITIONS

  • Interest rate of 8% for the joint RISQ and Fondation Béati loan.

Submit a request

When you submit your RISQ Capitalization loan application, the financial analyst will tell you whether your project may be eligible.

If eligible, your file will also be evaluated by the Fondation Béati.

Initiative Immobilière communautaire du Grand Montréal

Investment fund to support community organizations in a real estate project.

Initiated by Centraide of Greater Montreal and Coalition montréalaise des Tables de quartier and supported by some fifteen partners, this funds is adapted to the reality of community organizations to support the long-term financial viability of the project.

Fiducie du Chantier de l’économie sociale, in collaboration with Réseau d’investissement social du Québec, is its operator.

ELIGIBILITY

  • Community organizations of Greater Montreal
  • Social economy enterprises (NPOs and CO-OPs)
  • Social Utility Trust

NEEDS

Three financial solutions have been designed to support all stages of a real estate acquisition project :

  • Validate – Loan for accompaniment
  • Securing – Social Acquisition Fund
  • Realize – Social Investment Fund

SUBMIT A REQUEST

Visit Initiative Immobilière Communautaire du Grand Montréal website.

FONDS D’INVESTISSEMENT DE LA CULTURE ET DES COMMUNICATIONS – FICC

LOANS FROM 50 k$ TO 3 M$

RISQ’s mandate is to analyze funding applications submitted to the FICC from collective enterprise projects in the cultural sector.

Eligibility

  • Social economy enterprises (NPO or Coop) in the cultural sector

SELECTION CRITERIA

  • Expansion of the enterprise
  • Commercialization of a product and/or expansion of markets
  • Development of new business models
  • Technological innovation.
  • Merger and acquisition of companies
  • Successsion

TERMS AND CONDITIONS

  • Flexibility of loans customized to the needs of the enterprise
  • Initial fee of 2.5%.

TYPES OF FINANCING

  • Term loan
  • Bridge loan
  • Hybrid loan: repayment based on revenues and cash flow
  • Loan guarantees from financial institutions

FONDS D’INVESTISSEMENT POUR LOGEMENTS ÉTUDIANTS (FILE)

PATIENT CAPITAL LOAN

This fund was specifically designed to allow the financing of affordable student housing in the social economy to better meet the needs of Quebec’s student population. Our partner, the Fiducie du Chantier de l’économie sociale, is the manager of the fund.

ELIGIBILITY

  • Social economy enterprises (NPOs and CO-OPs)
  • Provide affordable, long-term rent to students

NEEDS

  • Construction
  • Renovate
  • Make the building functional for rental

TERMS AND CONDITIONS

  • Investment in 2 installments (upon completion of the project and stabilization of the building)
  • Annual repayment for a maximum of 85% of the generated funds
  • Refinancing in the fifteenth year of the balance of the FILE loan

More information : http://fondsetudiants.org/

Submit a request

Contact the team by phone 514 256-0992 or by email info@fondsetudiant.org

OUR OTHER FINANCIAL PRODUCTS

Technical Assistance Loan

Validate the idea

Capitalization Loan

Start up, develop or ensure continuity

Pre-started Loan

Moving idea to project

Transition Fund

Commit to being part of the recovery

FICES

Devvelop your enterprise’s potential

Obtain Financing to match your stage of development

Starting up

Turning ideas into action!

Develop

Reinforce and stabilize your operations !

PUISQUE CHAQUE PROJET EST UNIQUE… CONTACTEZ-NOUS!

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