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$

SME Loans & Financing…

Fast, easy & flexible!

Get Started

100% secure process

SME Loan | Fast & Easy

Obtain a loan for your SME ranging from $5,000 to $300,000 in just a few business days!

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.

Get Started

How does financing for SMEs work?

A fixed repayment loan for SMEs is a loan (the amount of which varies depending on your needs) that must be repaid by the business in predefined regular installments until the loan and the interest are repaid 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 Canada, 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.
Private lending: When banks are not an option for your SME, you can borrow from private lenders. If you deal with a reputable private lender, you can get a better interest rate than what is offered at the bank in addition to a higher amount.
Subsidies: Difficult to obtain, but very practical since they do not have to be repaid, subsidies are an excellent source of financing for SMEs.

What are you waiting for?

Get pre-approved in less than 5 minutes…

Get Started

100% secure process

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 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

What is an SME?

An SME stands for Small and Medium Enterprise. This is a company that has a relatively small workforce and limited turnover, compared to large companies. In Canada, an SME is a business with less than 500 employees.

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?

Click any of the “Get Started” buttons on this page to apply for a business loan with our funding partners. You will be directed to a 3-question quiz to pre-qualify your business. An agent will then contact you to guide you through the final steps.

Example of repayment of a fixed-term loan

Example of a loan of $240,000 at an interest rate of 8% repayable over 18 months: the monthly repayment payments will be $13,577.76 for a total amount of $245,661.28. Interest on the loan will be $5,661.28.

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 offers you access to financing solutions adapted to the activity of your SME, whether you need a loan to finance salaries for your employees, equipment, machinery or any other need or emergency,

We are here to help you. 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.

Get Started