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

Les taux d'intérêt du prêt d'entreprise à terme fixe que nous proposons varient entre 8% et 29% tout dépendamment de la situation financière de votre entreprise et celle du propriétaire.

Quels sont les critères d'admissibilité?

Afin de qualifier pour un financement d'entreprise de tout type avec nous et nos partenaires, vous devez absolument répondre aux critères suivants: cote de crédit personnel d'au moins 550, cote de crédit d'entreprise d'au moins 1300, l'entreprise doit être Canadienne, le chiffre d'affaires annuel de l'entreprise doit être d'au moins 100 000$, l'entreprise doit opérer au Canada depuis au moins 6 mois et n’avoir aucune faillite active.

Quelles industries ne sont pas acceptées?

Bien que nous proposons des prêts à plus de 700 industries, nous et nos partenaires ne pouvons pas desservir quelques industries risquées: fournisseurs d'armes à feu, organismes gouvernementaux, horoscope/divination, divertissement pour adultes, administration publique, OSBL, organismes religieux, entreprises de services monétaires et tout ce qui est en lien avec les loteries/casinos/paris.

Le processus pour qualifier pour un prêt d'entreprise à terme fixe est très facile. Pour commencer, vous devez tout simplement cliquer sur un des gros boutons "Commencer" pour vous faire rediriger vers notre quiz de préqualification. Une fois que vous avez répondu aux questions, vous serez redirigé vers un court formulaire que nous allons utiliser pour récolter quelques informations de contact et sur votre entreprise pour qu'un de nos agents puisse vous rappeler et mieux vous diriger dans votre recherche de financement d'entreprise.

Exemple de remboursement d'un prêt à terme fixe

Dans l'exemple d'un prêt à terme de 150 000$ à un taux d'intérêt de 8% remboursable sur 24 mois. Les paiements mensuels de remboursement seront de 6 784,09$ pour un montant total de 162 818,25$. Les intérêts sur le prêt seront de 12 818,25$. <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$

Office Equipment Financing

Fast & flexible business loans…

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100% secure process

Office Equipment Financing

Obtain financing ranging from $5,000 to $300,000 for your company’s office equipment in just a few business days.

Just click on one of the big blue “Get Started” buttons to start the application process and get pre-approved in less than a minute.

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.

Get Started

How does office equipment financing work?

Obtaining financing for your business office equipment is easy, it is a fixed term loan repaid by pre-determined fixed payments until full repayment of the loan and interest.

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 businesses to finance office equipment?

There are several options for financing office equipment for a business in Canada.

Here are some popular options:

Bank loans or private loans: Bank and private loans are the most popular options for businesses that want to finance office equipment quickly and easily.
Government grants: There are government grant programs to help businesses purchase office equipment.
Leasing: Some vendors offer the option of leasing office equipment with the ability to buy the equipment back after a certain period of time.

What are you waiting for?

Get pre-approved in less than 5 minutes…

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100% secure process

équipement de bureau en moins de 5 minutes

FAQ

What is the business term loan rate?

Interest rates for fixed repayment business loans we offer vary between 8% and 29% depending on the financial health of your business and its owner. The stronger the financial situation, the more favorable the interest rate will be (and vice versa).

What type of office equipment can you finance?

We can finance a wide range of office equipment, such as computers, printers, telephones, office furniture, conference equipment, data entry equipment, scanners, security equipment, etc. It all depends on your office equipment needs.

What are the eligibility criteria?

To be eligible for business financing of any type (fixed term loan, flexible funds, etc.) with us and our partners, you must meet the following criteria:
– Have a personal credit score of at least 550
– Have a business credit score of at least 1300
– Be a Canadian business
– Have an annual turnover of at least $100,000
– Have been operating in Canada for at least 6 months
– Not be in active bankruptcy

Which industries are not accepted?

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

How does it work?

With MicroCapital, obtaining a business loan is easy. Just click the “Get Started” button and answer quick questions for pre-approval. If you meet the criteria, a representative will contact you to finalize the process by asking a few additional questions.

Example of repayment of a fixed-term loan

In the example of a loan of $14,000 at an interest rate of 8% repayable over 12 months, the monthly payments will be $1,173.54 for a total amount of $14,082.48. Interest on the loan will be $82.48.

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…

MicroCapital is a company specializing in loan brokerage and business financing for Quebec SMEs since 2021.
With MicroCapital, you can apply for a loan ranging from $5,000 - $300,000 and have it delivered to your business bank account in less than 24 hours!
Whether you own a restaurant, a textile factory or any other industry, we are here to help you with your financing needs.
What are you waiting for? Click the button below to get started.

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