Quel est le taux du prêt à terme d'entreprise?

Les taux d'intérêts pour les prêts d'entreprise à remboursement fixe que nous proposons varient entre 8% et 29% en fonction de la situation financière de votre entreprise et de celle de son propriétaire.

Quels sont les critères d'admissibilité?

Pour être éligible pour un financement d'entreprise de tout type avec nous et nos partenaires, vous devez remplir les critères suivants : avoir un pointage de crédit personnel d'au moins 550, avoir un pointage de crédit d'entreprise d'au moins 1300, être une entreprise Canadienne, avoir un chiffre d'affaires annuel d'au moins 100 000$, opérer au Canada depuis au moins 6 mois, et ne pas être en faillite active.

Une PME signifie Petite et Moyenne Entreprise. Il s'agit d'une entreprise qui a un effectif relativement réduit et un chiffre d'affaires limité, par rapport aux grandes entreprises. Au Canada, une PME est une entreprise avec moins de 500 employés.

Quelles industries ne sont pas acceptées?

Bien que nous offrons des prêts à plus de 700 industries, nous et nos partenaires ne pouvons pas fournir de financement pour certaines industries considérées comme risquées : fournisseurs d'armes à feu, organismes gouvernementaux, horoscope/divination, divertissement pour adultes, administration publique, OSBL, organismes religieux, entreprises de services monétaires et toutes les activités liées aux loteries/casinos/paris.

Cliquez sur l'un des boutons "Commencer" sur cette page pour postuler pour un prêt d'entreprise avec nos partenaires de financement. Vous serez dirigé vers un quiz de 3 questions pour préqualifier votre entreprise. Un agent vous contactera ensuite pour vous guider dans les dernières étapes.

Exemple de remboursement d'un prêt à terme fixe

Exemple d'un prêt de 240 000$ à un taux d'intérêt de 8% remboursable sur 18 mois : les paiements mensuels de remboursement seront de 13 577,76$ pour un montant total de 245 661,28$. Les intérêts sur le prêt seront de 5 661,28$.<br><br>Vous pouvez utiliser la calculatrice de prêt suivante offerte par <a href="https://www.calculator.net/loan-calculator.html" data-type="URL" data-id="https://www.calculator.net/loan-calculator.html" target="_blank" rel="noreferrer noopener">calculator.net</a> pour reproduire et voir d'autres exemples de remboursement de prêts d'entreprise.

Get up to 300 000$

Export Business Financing

Fast, easy & flexible SME loans

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100% secure process

Export Business Financing

Get a business loan for your exporting business from $5,000 to $300,000 in less than 24 hours!

Simply click on one of the large blue “Get Started” buttons to begin the application process.

How does it work?

3 easy steps

5 minutes

1. Fill out the questionnaire

Answer a couple simple questions about your financing needs thanks to our secure and easy to navigate quiz.

1 business day

2. Choose a financing option

Receive a call from one of our agents to navigate the financing options available to your business.

Same day

3. Get the funds for your business

Once approved and the contract is signed, receive your funds on the same day directly to your bank account.

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How does financing for SMEs work?

A fixed loan for SMEs is a loan whose amount varies according to the needs of the company. It is to be repaid in predefined regular installments until the loan and interest are paid in full.

What are the eligibility criteria?

To qualify for a business loan, you must meet certain criteria:

Annual income: $100,000

The company operates in Canada

The company has been operating for at least 6 months

No active bankruptcy

Who can lend money to an SME?

In Quebec, there are several options available to SMEs to help them find financing.

Here are some of the most popular:

Bank loan: The bank loan is the most traditional method of financing, but often the least accessible given the wide range of requests from large banks.
Grants: Grants are an excellent source of funding for SMEs because they do not require repayment, although they are difficult to obtain in the majority of cases.
Private loan: If banks are not an option for your SME, you can obtain a loan from private lenders. By doing business with a reputable private lender, you can benefit from a lower interest rate than that offered by banks, as well as a higher amount.

What are you waiting for?

Get pre-approved in less than 5 minutes…

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100% secure process

FAQ

What is the business term loan rate?

The interest rates for fixed repayment business loans that we offer vary between 8% and 29% depending on the financial situation of your business and that of its owner.

What are the eligibility criteria?

To qualify for business financing with us and our partners, you must meet the following criteria: have a personal credit score of at least 550 and a business credit score of at least 1300, be a business Canadian, have an annual turnover of at least $100,000, have been in business in Canada for at least six months and not be in active bankruptcy.

How can an export SME use financing?

An exporting SME can use financing to finance various export-related activities, such as:
1. New Product Development: Funding can help research and develop new products to meet foreign market needs.
2. Market Expansion: Funding can be used to cover the costs of marketing and expanding the business into new markets.
3. Improved production: Funding can help upgrade production infrastructure to increase productivity and improve quality.
4. Cash management: Financing can help maintain good cash management to ensure the business has enough cash to pay suppliers and employees, as well as cover shipping and other related costs. on export.
5. Risk Cover: Funding can be used to cover export-related risks, such as exchange rate fluctuations, political risks, insurance costs and legal fees.

What industries are not accepted?

Although we provide loans to over 700 industries, we and our partners cannot provide financing for certain industries considered risky: firearms suppliers, government agencies, horoscope/divination, adult entertainment, public administration, NPOs, religious organizations, money service businesses and all lottery/casino/betting related activities.

How does it work?

To apply for a business loan with our funding partners, click any of the “Get Started” buttons on this page. You will be taken to a three-question quiz to pre-qualify your business. Then, an agent will contact you to guide you through the final steps.

Example of repayment of a fixed-term loan

Here is an example for a loan of $75,000 at an interest rate of 8% repayable over 18 months: the monthly repayment payments will be $4,254.02 for a total amount of $76,572.36. Interest on the loan will be $1,572.36.

You can use the following loan calculator provided by calculator.net to reproduce and see other examples of business loan repayment.

Why MicroCapital?

Our 100% Quebec-based company was created to offer Quebec SMEs a reliable, flexible and fast financing solution.

Satisfaction rate: 99.2%.

100% Canadian

We finance SMEs in over 700 different industries

Which industries are accepted?

Restaurants

Online shops

Retail businesses

Professional Services

Plants

Tourism

and more than 700 others…

At MicroCapital, we offer financing solutions tailored to the needs of your SME, whether to finance the salaries of your employees, the purchase of equipment, machinery or to meet any other need or emergency.

With a satisfaction rate close to 100%, we support Quebec SMEs in more than 700 different sectors to help them find the financing they need. What are you waiting for?

Click the button below to get started.

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