A business loan that offers more
We’re known for our unique people-driven approach.
Because behind the numbers is you – the entrepreneur, and your vision. Every project is unique, and we take the time to understand your reality so we can provide support tailored to your needs. The relationship you build with one of our regional directors will give you the confidence you need to move forward with your projects, knowing that your director is available to answer your questions and support you when you need it.
You’ll never face your challenges alone.
In addition to financing, you’ll have free access to our Brigade-conseil, a network of 80 experts in key areas, such as financial management, legal services, marketing, sustainable development, and more. Our experts provide practical, actionable advice to help you structure your business and overcome your challenges.
Increase your impact
We also care about the sustainability, performance, and positive impact of your business. We believe that every business, regardless of size, has a role to play in creating a fairer, more equitable, and more sustainable economy. That’s why we will support you on your continued journey in sustainable development.
Support that makes a difference
By choosing us, you’ll benefit from financing backed by a team working toward your success. You’ll have a partner by your side who believes in your potential and your ambitions!
We’re proud to say that 94% of the entrepreneurs we support are satisfied with our services. Our approach makes all the difference.
A business loan that rewards you for a sustainable transition
We believe that a business’s economic performance is inseparable from its social and environmental impact. That’s why we make green criteria central to our lending solutions.
An interest rate pegged to your sustainability efforts
We recognize your efforts to help build a fairer, more equitable, and more sustainable economy:
- Interest rate reduction: Your contribution to sustainable development is reflected directly in the calculation of your business loan interest rate.
- Annual reassessment: In recognition of your ongoing efforts, we review your rate every year to track your progress.
Practical tools to help you make a more positive impact
Whether you’re taking your first steps toward a sustainable transition or want to reinforce practices you already have in place, we provide you with exclusive tools:
- Sustainable development advisor: Free access to our sustainable development advisor to discuss challenges and offer guidance and clarifications on certain aspects of your business.
- Dashboard: Available directly through your client portal, this tool allows you to view your business’s profile and progress in sustainable development and consult concrete avenues for your efforts, tailored to your reality.
Power your vision today
Finance your future. Our business loans are designed to give you the momentum you need to turn your ideas into sustainable success.
Our business loans
We offer financing tailored to your needs.
Who are our business loans for?
We believe our economy should be fairer, more inclusive, and more sustainable, so 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.
Témoignages
“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.
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.
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.
You may already have initiatives in place within your business without realizing that they are part of sustainable development. Do you prioritize local suppliers? Do you have workplace wellness or employee training policies? If not, would you like to start working in that direction? We work with businesses that are committed to implementing sustainable development practices. To learn more about sustainable development: https://www.evol.ca/en/sustainable-development/
What if we told you that sustainable development can also benefit your bottom line? Your sustainable development efforts aren’t an additional burden to take on; they should be integrated into your action plan and aligned with your business objectives. They can help improve employee retention, reduce costs, increase sales, and more. We will work with you at your own pace, without pressure. Every step makes a difference.
First of all, we applaud your commitment. Choosing a financial partner who shares your values is a winning combination. You don’t need to convince us, because we understand what motivates you. And we’ll be there for you. We recognize your efforts by taking them into account when calculating your interest rate. And our support, regardless of the area of your business where you need help, will give you access to a dedicated resource to help you navigate your challenges, free access to experts in a variety of fields, and the opportunity to step back and make informed decisions.
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.