Services offerts par les SADC et CAE
Développement économique local
Accompagnement aux entreprises
Financement offert sur certains territoires seulement
Informations Complémentaires
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The COVID-19 pandemic affects many businesses in all regions of Quebec.
We know that entrepreneurs need quick support more than ever to get through this extremely difficult period
through this extremely difficult period and plan their recovery.


Being in the front line to accompany you in the field, the 67 CFDCs and BDCs of Quebec
are offering you new measures developed in close collaboration with
Canada Economic Development for the regions of Quebec.

1. The program

The FRRR CFP Phase 2 is delivered by the SADC (Sociétés d’aide au développement des collectivités) and CAE (Centres d’aide aux entreprises) of Quebec. Its purpose is to provide emergency financial assistance to businesses that are not eligible for other federal programs or those that have been refused assistance under these programs, to assure that they can remain operational.
Please note that a non-repayable contribution may also be offered for technical assistance. This assistance would be available even if the company received amounts from other measures of the Government of Canada.
The FRRR CFP is aimed at companies in regions covered by a SADC or a CAE. Companies located in the major centers of Quebec province (Montreal, Laval, Quebec, Lévis, Sherbrooke, Saguenay Chicoutimi and Jonquière sectors and the urban part of Gatineau can contact Canada Economic Development for component 1 of the RPSF.


Support businesses affected by the economic impacts of COVID-19 that have not received federal government support. This support takes the form of emergency financial assistance (working capital) which aims to help these businesses, if they lack liquidity or need technical expertise to remain operational.


  • Ad hoc and targeted initiative (until March 31, 2021)
  • Continuous reception of projects (until funds are spent)

2. who can make a request


  • Companies
  • Cooperatives
  • Non-profit organizations (NPOs)


Pour les prêts (fonds de roulement) :

  • Retail stores and local services
  • Social economy enterprises
  • Agro-food
  • Tourism for projects of $ 40k and less
  • Companies with a turnover of less than $ 250k (all sectors)
  • Self-employed
  • Start-up other than in manufacturing and value-added services
  • Companies already clients of a SADC or a CAE

For technical assistance contributions: all companies from all sectors of economic activity are eligible.

3. Funding (working capital loans)

  • Loan to meet working capital requirements: maximum $ 40,000
  • The need for assistance must relate only to immediate (ad hoc) financial pressure on liquidity (working capital for SMEs or cash requirement for NPOs) and must be a consequence of COVID-19
  • The need for assistance must be for a maximum of 6 months
  • The aid cannot be used for needs associated with the preparation for the recovery (eg: fixed assets and equipment)
  • Possibility of capital moratorium and interest leave
  • Part of the non-repayable loan, 25%, if the loan is repaid completely before December 31, 2022
  • Interest rate P + 2, and P for social economy enterprises

4. Analysis criteria

  • The project must meet the objective of the initiative
  • One project per client
  • The financial assistance of SADC-CAE is conditional that other federal programs in connection with COVID-19 has not previously been granted to the organization.
  • SADC-CAE support must relate only to immediate (one-off) financial pressures on liquidity (working capital or cash requirements)
  • Support must have an incentive aspect
  • The company must have a post-COVID-19 viability perspective
  • Financial support must be consistent with other government measures:
  • The support could not compensate for additional liquidity needs if the company had access to other similar government measures
  • The need for assistance must be demonstrated, including the assistance received from the provincial government and the municipalities
  • Financial viability must be demonstrated by the financial statements for the last financial year (if not available: tax reports).

Financial contribution for technical assistance

  • Support must have an incentive aspect
  • The company must have a post-COVID-19 viability perspective.
  • Need for help must be demonstrated
  • Technical assistance must be linked to the negative impact of COVID-19
  • The SADC and CAE will assess with the companies the nature of the technical assistance and the financial needs.

5. Request form

Step 1

If you need financial or technical assistance and believe that your business meets these criteria, access the request form below

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Step 2

Send it to the SADC or CAE in your region