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$!

Professional Equipment Financing!

Fast & easy business loans…

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Professional Equipment Financing!

Get financing ranging from $5,000 to $300,000 for professional equipment for your business in just a few business days. Click one of the blue “Get Started” buttons to start the request 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 professional equipment financing work?

Thanks to MicroCapital, obtaining financing for your company’s professional equipment is quick & super easy! Financing is offered in the form of a fixed-term loan repaid by pre-determined fixed payments until full repayment of the loan and interest.

pre-approval for equipment in less than 5 minutes

What are the eligibility criteria?

Here are the eligibility criteria to qualify for a fixed term business loan:

The company operates in Canada

Annual income: 100 000$

The company has been operating for at least 6 months

No active bankruptcy

Who can lend money to companies to finance professional equipment?

There are various options for financing the purchase of professional equipment for a business in Quebec.

Here are some examples :

Bank or private loans: Businesses can seek financing from a bank or private lender.
Government grants: There are government grant programs to support companies in the purchase of professional equipment.
Leasing: Companies can opt for the rental of professional equipment with the possibility of purchasing it later.

What are you waiting for?

Get pre-approved in under 5 minutes…

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100% secure process

FAQ

What is the business term loan rate for business equipment financing?

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

What type of professional equipment can you finance?

The type of professional equipment that can be financed depends on the conditions and criteria of each financing source, such as a bank, a private lender, a government subsidy program, or a leasing system. In general, the funds can be used to finance a wide range of equipment necessary for the exercise of the professional activity, such as machines, IT equipment, vehicles, tools, etc. It is recommended that you check the specific conditions with each financing source to find out more about the types of equipment covered.

What are the eligibility criteria?

To qualify for computer equipment financing for your business with us and our partners, you must meet the following criteria: a personal credit score of at least 550, a business credit score of at least 1300, be a Canadian company, have been in business in Canada for at least 6 months, and not be in active bankruptcy.

What industries are not accepted?

Although we provide business 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 activities related to lotteries/casinos/betting.

How does it work?

The application process for a business loan is easy. Click the “Get Started” button and answer quick questions to get pre-approved for financing between $5,000 and $300,000. If you are eligible, one of our representatives will contact you to finalize the process by asking a few additional questions.

Example of a fixed term loan repayment

In the example of a loan of $50,000 at an interest rate of 9.5% repayable over 24 months, the monthly payments will be $2,192.86 for a total amount of $52,823.04. Interest on the loan will be $2,823.04.

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

Why MicroCapital?

Our company, 100% Quebec, was created with the aim of offering Quebec SMEs a reliable, flexible and fast financing solution.

Satisfaction rate: 99.2%

100% Canadian

We finance SMEs in over 700 different industries

What industries are accepted?

Restaurants

Online shops

Retail commerce

Professional services

Factories

Tourism

and more than 700 others…

With MicroCapital, we support Quebec SMEs in different sectors by guaranteeing a high satisfaction rate. We offer access to financing adapted to the needs of your business activity, whether you are a factory, a professional service or a company of any other type.

What are you waiting for?

Click the button below to get started.

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