SADC Programs for Quebec Entrepreneurs: Complete Guide to Sociétés d’aide au développement des collectivités

Quebec’s diverse and thriving entrepreneurial ecosystem is supported by a province-wide network of Sociétés d’aide au développement des collectivités (SADCs) and Centres d’aide aux entreprises (CAEs). These organizations are at the heart of economic vitality in rural and semi-rural Quebec, offering personalized business financing, advisory services, and development support.

This guide provides an overview of the programs and resources available to Quebec entrepreneurs through Community Futures organizations, highlighting how SADCs and CAEs help businesses grow, innovate, and contribute to regional development.

What is SADC in Quebec?

SADC is Quebec refers to a province-wide network of non-profit organizations known as Sociétés d’aide au développement des collectivités and Centres d’aide aux entreprises (CAEs), which are funded by Canada Economic Development for Quebec Regions (CED). 

These organizations provide entrepreneurs and small businesses—particularly in rural and semi-urban areas—with access to tailored business financing, expert advisory services, and development tools. Their mission is to support the launch, growth, and succession of local businesses while promoting sustainable and inclusive economic development within their communities.

SADC Offices in Quebec

There are 67 SADC offices across Quebec, consisting of both SADCs (Sociétés d’aide au développement des collectivités) and CAEs (Centres d’aide aux entreprises). Below we list all of the offices (click the office name to be taken to their website):

 CAEs (Centres d’aide aux entreprises) Offices

SADCs (Sociétés d’aide au développement des collectivités) Offices

SADC Programs Overview for Quebec Entrepreneurs

1. Financial Assistance Programs

Access to flexible financing is key for Quebec entrepreneurs. Community Futures organizations (SADCs and CAEs) offer a range of funding options, including:

• Investment Fund Loans: General business loans—often up to $150,000—to help with startup costs, working capital, or equipment purchases.
• Youth Strategy Loans: Tailored for entrepreneurs aged 18–39, with flexible repayment terms and lower interest rates to support youth-led businesses.
• Microloans: Smaller loans for early-stage businesses or entrepreneurs without access to traditional financing.

2. Business Advisory Services

SADCs and CAEs provide hands-on support to help entrepreneurs plan, launch, and grow their businesses. Advisory services include:

• Business Planning Assistance: Guidance on building comprehensive, lender-ready business plans tailored to local markets.
• Startup Support: Help navigating legal structure, registration, tax setup, and operational logistics.
• One-on-One Coaching: Personalized mentorship to address day-to-day challenges and long-term strategy.

3. Networking Opportunities

Building strong connections is essential for long-term business success. Community Futures organizations in Quebec offer ways for entrepreneurs to expand their networks:

• Peer-to-Peer Networking: Events that connect business owners across sectors and regions to share experiences and opportunities.
• Workshops and Training Events: Opportunities to learn and collaborate with other entrepreneurs in the region.
• Mentorship Programs: Initiatives pairing entrepreneurs with experienced professionals and local business leaders.

4. Sector-Specific Support

Each Community Futures office tailors its programs to the needs of local industries and priorities. Sector-focused support includes:

• Agriculture and Agri-Food: Financing and guidance for farms and food producers to modernize operations or expand markets.
• Tourism and Hospitality: Tools to help tourism operators attract visitors and improve the customer experience.
• Forestry and Natural Resources: Support for sustainable development and innovation in traditional resource sectors.

Getting Started with SADCs

Entrepreneurs interested in leveraging SADC programs can follow these steps:

1. Find Your Local Office: Use the list provided to locate your region’s SADC or CAE. Each office offers region-specific programs and resources.
2. Request a Consultation: Book a meeting to discuss your business goals and determine what financing or support options are best for you.
3. Submit an Application: Complete the necessary forms and documentation—usually includes a business plan, cash flow projections, and financial statements.
4. Participate in Programs: Stay engaged by attending events, training workshops, and networking opportunities offered through your local office.

List of SADC Programs for Quebec Entrepreneurs

Fonds d’investissement (Investment Fund Loan)

The Investment Fund Loan is a core financing tool offered by most SADCs and CAEs in Quebec. It provides repayable loans—often up to $150,000—to support key business needs such as startup costs, equipment purchases, working capital, or expansion projects. These loans feature flexible terms and are tailored to the realities of small businesses in rural and regional areas.

Stratégie Jeunesse (Youth Strategy Loan)

The Youth Strategy Loan is designed for entrepreneurs between the ages of 18 and 39. It offers flexible, low-interest financing to help young people start or grow their businesses. This loan supports a variety of business expenses and is often paired with personalized mentoring and advisory services to increase the chances of long-term success.

Prêt Relève (Business Succession Loan)

The Business Succession Loan provides financing to individuals who are purchasing an existing business. It aims to support the successful transfer of ownership, helping to maintain economic activity in Quebec communities. This loan is especially valuable in regions where many business owners are nearing retirement and looking for successors.

Virage Vert (Green Transition Loan)

The Green Transition Loan—known as Virage Vert—supports businesses that are adopting environmentally responsible practices. It provides funding for energy-efficient equipment, waste reduction initiatives, or sustainable production upgrades. This loan encourages innovation and long-term environmental stewardship across Quebec’s entrepreneurial landscape.

Digital & Web Strategy Loans

These loans support the digital transformation of small businesses. They can be used to develop websites, implement e-commerce platforms, or improve a company’s digital marketing presence. Flexible repayment terms and a focus on digital competitiveness make these loans ideal for businesses looking to modernize operations.

Microloan Programs

Microloans offer small amounts of unsecured funding—typically from $1,000 to $10,000—to entrepreneurs with limited access to traditional financing. These loans are well-suited for very small businesses, side ventures, or individuals launching a business for the first time. Approval criteria are often more flexible than conventional loans.

Available at select offices.

Social Enterprise & Cooperative Loans

These specialized loans support cooperatives, nonprofits, and social enterprises that contribute to local development and social well-being. Funding may be used for equipment, facilities, or operational costs, and terms are often adapted to fit the needs of community-based organizations.

Available at select offices

Innovation & Technology Financing

This type of financing is aimed at businesses investing in innovation, R&D, or new technologies. Loans may support the development of new products, the acquisition of software and equipment, or the integration of advanced processes. Many Community Futures offices also offer advisory support to complement the financial assistance. 

Startup Loans (Nouveau Départ, etc.)

Startup loans provide flexible funding to individuals launching a new business, often after a career transition or period of unemployment. These loans help cover early-stage expenses such as marketing, inventory, equipment, or registration fees. Some programs, like Nouveau Départ, target specific demographics, such as entrepreneurs over 40.

Bridge Loans & Working Capital Financing

Bridge loans and working capital financing are short-term solutions that help businesses manage cash flow, fulfill large orders, or navigate seasonal fluctuations. These loans are designed for flexibility, providing quick access to funds when timing is critical.

Equipment Leasing and Credit Options

Some SADCs and CAEs offer leasing programs and credit-based financing for purchasing machinery, vehicles, or specialized equipment. These options are structured to minimize upfront costs and align repayment with the asset’s expected lifespan, helping businesses stay competitive without straining cash flow.

Your Next Steps

SADC and CAE offices are a valuable resource to aspiring and existing business owners in Quebec, but many entrepreneurs aren’t aware of the funding and in-kind services that they provide.

Use this guide to do two things:

1. Shortlist the funding programs that you may be eligible for; and
2. Find the SADC and CAE offices that are nearest you and contact them to get started.