You’ll never face your challenges alone.
Our business financing is never standalone. It includes personalized mentoring, strategic advice, and support from people who make all the difference.
We believe that a business loan is more than just numbers: it’s about empowering the people and ideas that are building the future of our communities.
We care about the sustainability of your business
We’ll help you maximize the positive impact and performance of your business by supporting you as you adopt sustainable development practices. Rest assured, our mentoring is done at your pace, with no pressure, and according to your reality. Sustainable development encompasses social, economic, environmental, and governance practices. That means you can focus on your efforts on what best reflects your values, your challenges, and your objectives.
A preferred interest rate that rewards your efforts
To reward your efforts, the more your business adopts a structured, integrated approach to sustainable development, the more you qualify for a preferred interest rate.
- Adjusted interest rate: Your loan’s interest rate is calculated using a base rate plus a risk premium.
- Lower rate based on your commitments: As your business commits more to sustainable development, your risk premium is reduced.
- Annual review: Your interest rate is reviewed each year on your loan anniversary, ensuring your progress is recognized through concrete savings.
Our business loans
We offer financing tailored to your needs.
We offer you more than just a business loan
- A multidisciplinary team with recognized expertise in business financing and mentoring.
- Dedicated advisors you can count on whenever you need support.
- Access to a personalized dashboard that allows you to view your business’s profile and progress in sustainable development, while providing concrete avenues for your efforts tailored to your reality.
- A bank of free consulting hours with the experts on our Brigade-conseil (legal affairs, communications and marketing, accounting and finance, human resources, and more).
- Mentoring on adopting sustainable business practices.
- An annual review of your mentoring needs to support you in your projects.
Evol is more than financing: it’s ongoing, personalized human support, when it matters most, so your business has everything it needs to succeed.
Who are our business loans for?
Because we believe our economy must be fairer, more inclusive, and more sustainable, we provide financing and mentoring to businesses owned, in whole or in part, by at least one person who identifies with one of the following groups that remain underrepresented in entrepreneurship:
Women
Immigrants
Racialized people
Members of LGBTQ2S+ communities
People living with a disability
Members of First Nations and Inuit communities
Our services are exclusively for these entrepreneurs because we believe that a more inclusive and diverse economy is also more sustainable, innovative, and resilient.
*These individual or individuals must own at least 25% of shares and voting rights, and hold a strategic position within the company.
What are the eligibility criteria?
Businesses that would like to apply for a loan must meet the following six criteria:*
1
Be legally incorporated and registered with the Québec Enterprise Register or plan to be before the loan process is finalized.
2
Have its head office and main activities in Quebec.
3
Have a financing need based on the business’s stage of development, such as a start-up, growth, acquisition, or business succession.
4
Contribute to at least one of the United Nations’ 17 Sustainable Development Goals by being either: an impact business (a business whose services or products offer a solution to a social or environmental challenge) or a business committed to adopting or enhancing sustainable development practices throughout the financing period. Learn more about the 17 SDGs.
5
Be led by individuals who are Canadian citizens, permanent residents, or who hold a Québec Selection Certificate (CSQ) with proof of an application for permanent residence, or a post-graduation work permit (PGWP) with proof of an application for permanent residence.
6
Be led by at least one individual from a community that remains underrepresented in entrepreneurship (women, racialized individuals, immigrants, members of First Nations and Inuit communities, members of the LGBTQ2S+ community, and persons living with a disability) and this individual or these individuals must own at least 25% of the shares and voting rights, and hold a strategic position within the business.
*Evol reserves the right at its sole discretion to refuse any loan application that does not meet its eligibility criteria or economic viability requirements (see legal notes). Social economy enterprises may be eligible under certain conditions.
Testimonials
“Beyond the financial aspect, our personal partnership with Evol has been incredibly positive. The team has always been attentive, responsive, and proactive, making it much easier for us to make strategic decisions. Evol’s support has been far more than just financing; it has been true guidance that has fuelled our vision and our ambitions for the future.”
• LASÈVE •
“Evol has been a true catalyst for our young business. Their financial and strategic guidance has enabled us to launch meaningful initiatives and raise our profile. We’re grateful for this partnership on both a human and professional level, which gives us the confidence to keep moving forward every day.”
• IRIS + ARLO •
download our guide (in French) that will help you obtain a business loan
What are the steps to obtaining a loan?
Before you get started, we recommend watching our information video (in French) for details about our financing and mentoring offer.
the main steps
1
Submit an application for financing using the loan application form.
2
Analysis and monitoring of your file by our team of experts.
3
Presentation of your file to the financing committee.
4
Granting of the loan according to the terms of the contract.
5
Mentoring and support for the duration of your loan.
Are you ready to apply for business financing?
Have your business plan and financial projections on hand before you begin completing this eight-step application form. It takes approximately 20 to 30 minutes to complete.
Financing partners
Evol impact envelope
Through partnerships with the Government of Québec (through its agent Investissement Québec, the Government of Canada, National Bank, the Business Development Bank of Canada (BDC), the Fonds de solidarité FTQ and Fondaction.
Privacy policy
The collection and processing of personal information gathered by Evol are governed by its Privacy Policy, which complies with Quebec’s Act respecting the protection of personal information in the private sector. Our policy adheres to the principles set out in the legislation regarding the collection, use, disclosure with or without consent where permitted, retention, and destruction of personal information, while implementing appropriate security measures based on the nature and volume of the information collected. Information may be disclosed to third parties only within the framework permitted by law. In addition, Evol does not use personal information to create user profiles.
- Evol Financement reserves the right, at its sole discretion, to refuse any loan application that does not meet its eligibility or economic viability criteria. The economic viability criteria are set out in section 7.1 of Evol Financement’s Financing Policy (version adopted on March 26, 2024).
- This page provides a summary of the key features of Evol Financement’s financing vehicle and is not exhaustive.
- All loan applications are subject to a credit check and a criminal background check.
- Moratoriums are subject to certain conditions.
- Loan applications from businesses seeking debt consolidation, tax restructuring, or those still in the pre-startup phase will be declined.
- Last updated September 3, 2025.
Frequently Asked Questions
We don’t currently offer grants. Our financing is provided through conventional loans, paired with comprehensive, personalized mentoring.
Interest rates are determined based on the project’s financial, environmental, and social risk profile. Rates range from 7% to 10%.
We provide financing for start-ups that are ready to start generating sales within the next three months, businesses in the initial stages of commercialization, and companies that are already marketing a product.
If your business is still in the pre-startup or ideation stage, contact your Regional County Municipality (MRC). They can point you toward local advisors who can support you in your efforts.
Our financing includes mentoring tailored to your needs. And in our experience, having dedicated advisors to turn to when needed can save you time, money, and energy. You’ll also have free access to experts from the Brigade-conseils, who can connect you with professionals in areas such as human resources, legal affairs, accounting, marketing, production, and more, depending on your challenges. In addition, by reviewing your financial statements, we can share insights that help you make informed business decisions. There’s no downside!
Yes. We also provide financing for business acquisitions and successions.