SADC de Baie-des-Chaleurs

612-C, boulevard Perron
Maria (Québec) G0C 1Y0

The SADC de Baie-des-Chaleurs supports and finances the development of businesses in the Avignon and Bonaventure RCMs. It gives advice and supports business persons to whom it proposes financial and technical aid programs. The purpose of these programs is to encourage creation, the maintenance and development of employment through start-ups, modernization, the acquisition and expansion of businesses.

The SADC also actively participates in the economic development of communities by implementing, organizing and supporting initiatives and projects which allow communities to stimulate their socioeconomic development.

Our mission

The SADC de Baie-des-Chaleurs is dedicated to stimulating the economic, social and environmental development of its community in consultation with socio-economic stakeholders, entrepreneurs and individuals.

Our vision

The SADC de Baie-des-Chaleurs generates a positive impact on the vitality of businesses and communities.

Become a member

To become a member, please contact us at [email protected], or by phone 418 759-1555.

Our services

Entrepreneurship is about moving forward. At the SADC de la Baie-des-Chaleurs, we offer tailored financing solutions and professional guidance to help accelerate your business projects. From start-up to growth and succession, we are here to support your success.
Local economic development
Other local services

Fund intended for start-up, acquisition and succession, expansion, or business modernization projects.

  • Term loan from $5,000 to $300,000
  • Flexible terms adapted to the realities of the business
  • Interest rate reflecting market conditions


Component – Social Economy Enterprises:

This investment fund component is intended for social economy enterprises (cooperatives and non-profit organizations with commercial activities) that have moved beyond the start-up phase.

  • Term loan of up to $75,000
  • Principal repayment holiday of up to 12 months
  • Prime rate + 0% to 2%
  • Repayment period adapted to the project
  • No personal guarantee (except for cooperatives with fewer than six members)

Supports young entrepreneurs aged 18 to 39 in their business
projects.

  • Personal loan from $5,000 to $25,000 per entrepreneur
  • For the same project, it is possible to finance two young
    entrepreneurs
  • Two-year interest-free period

Transfer Strategy
Facilitates business succession or acquisition.

Green Strategy
Facilitates the adoption of eco-responsible practices or the
implementation of clean technologies. Examples: renewable
energy, energy efficiency, pollution reduction/waste management,
sustainable water and natural resource management, green
technologies, circular economy, etc.

*The acquisition of electric vehicles is not eligible.

Digital Strategy
Facilitates the digital transition. Examples: digital transformation
of processes, artificial intelligence/automation, cloud computing,
inventory tracking and supply chain, implementation of
management systems, optimization of cybersecurity, etc.

*Website development is not eligible.

 

Terms and conditions common to all three components:

  • Term loan from $10,000 to $50,000
  • Two-year interest-free period and a moratorium on principal
    during the first three months
  • Maximum amortization of 7 years

Complementary to financing, the SADC can offer technical
assistance to business people, regardless of the stage of
development of their business.

This may take the form of support for financial structuring, strategic
reflection on business needs, partner research—in short,
personalized, confidential support tailored to each entrepreneurial
reality.

 

Component – Act 25 Support

Since 2022, Act 25 has gradually transformed the way Québec organizations — both SMEs and non-profit organizations — must manage personal information. Its objective is to better protect the data of clients, employees, and partners.

In 2025, all of its provisions are now fully in force. To help organizations better cope with these changes and organize themselves effectively, SADC de Baie-des-Chaleurs offers concrete, human, and practical support that can help them to:

  • Quickly understand what Act 25 entails
  • Structure their internal practices and communications (registers, protocols, policies)

You may submit a financing request to the SADC by completing the following form and sending it by email to [email protected].

Form – Financing Request

If you require further information, please do not hesitate to contact us by phone at 418-759-1555 or by using the contact form available at the following address:
https://sadc-bc.odoo.com/contact

News

Events

Job offers

Special projects

La Maison de l'érable - A Business Succession Story

Loutres d’Hiver (Winter Otters) – A Business Succession Story

Documents and links

Financing request

Territory map (French only)

GoFin Find your financing
Looking for financing for your business? Discover our brand new GoFin search tool and access all sources of financing in Quebec and North America.

The SADC de Baie-des-Chaleurs supports and finances the development of businesses in the Avignon and Bonaventure RCMs, including the Mi'gmaq communities of Listuguj and Gesgapegiag

Charles Guérette
President (corporate member)
Ambroise Henry
Vice president (individual member)
Véronique Fournier
Treasurer (corporate member)
Marie-Ève Verreault
Secretary (corporate member)
Héloïse Tanguay-Beaumont
Administrator (individual member)
Position to be filled (corporate member) - You can use the contact form in the ‘Contact Us’ section to submit your application.
Position to be filled (individual member) - You can use the contact form in the ‘Contact Us’ section to submit your application.

L'Ascension-de-Patapédia

Saint-François-d'Assise

Saint-Alexis-de-Matapédia

Matapédia

Saint-André-de-Restigouche

Ristigouche-Partie-Sud-Est

Listuguj

Pointe-à-la-Croix

Escuminac

Nouvelle

Carleton-sur-Mer

Maria

Gesgapegiag

Cascapédia-Saint-Jules

New Richmond

Caplan

Saint-Alphonse

Saint-Siméon

Bonaventure

Saint-Elzéar

New Carlisle

Paspébiac

Hope

Hope Town

Saint-Godefroi

Shigawake

The SADC de Baie-des-Chaleurs supports and finances the development of businesses in the Avignon and Bonaventure RCMs, including the Mi'gmaq communities of Listuguj and Gesgapegiag

L'Ascension-de-Patapédia
Saint-François-d'Assise
Saint-Alexis-de-Matapédia
Matapédia
Saint-André-de-Restigouche
Ristigouche-Partie-Sud-Est
Listuguj
Pointe-à-la-Croix
Escuminac
Nouvelle
Carleton-sur-Mer
Maria
Gesgapegiag
Cascapédia-Saint-Jules
New Richmond
Caplan
Saint-Alphonse
Saint-Siméon
Bonaventure
Saint-Elzéar
New Carlisle
Paspébiac
Hope
Hope Town
Saint-Godefroi
Shigawake

A team dedicated to your project

Charles Guérette
President (corporate member)
Ambroise Henry
Vice president (individual member)
Véronique Fournier
Treasurer (corporate member)
Marie-Ève Verreault
Secretary (corporate member)
Héloïse Tanguay-Beaumont
Administrator (individual member)
Position to be filled (corporate member) - You can use the contact form in the ‘Contact Us’ section to submit your application.
Position to be filled (individual member) - You can use the contact form in the ‘Contact Us’ section to submit your application.

Lyne Lebrasseur

Executive Director

Annie Boudreau

Financial Consultant

Vanessa Ratté

Business Consultant

Noémie Lévesque

Business Consultant

Stéphanie Audet

Business Consultant

CONTACT SADC de Baie-des-Chaleurs

Main office
612-C, boulevard Perron
Maria (Québec) G0C 1Y0
Opening hours
Monday
8:30 a.m. to 4:30 p.m.
Tuesday
8:30 a.m. to 4:30 p.m.
Wednesday
8:30 a.m. to 4:30 p.m.
Thursday
8:30 a.m. to 4:30 p.m.
Friday
8:30 a.m. to 4:30 p.m.
*Service hours are Monday to Friday from 8:30 a.m. to 4:30 p.m., while the BUSINESS LOCATION is open Tuesday to Thursday from 10:00 a.m. to 3:00 p.m.

Responsible for SADC de Baie-des-Chaleurs

Lyne Lebrasseur, executive director and personal information protection officer

Other SADC or CAE in the region

SADC Îles-de-la-Madeleine

735, chemin Principal, bureau 203 Cap-aux-Meules (Québec) G4T 1G8

SADC du Rocher-Percé

S101-129, boulevard René-Lévesque Ouest Chandler (Québec) G0C 1K0

SADC de la Haute-Gaspésie

10G, boulevard Sainte-Anne Ouest Sainte-Anne-des-Monts (Québec) G4V 1P3

SADC de Gaspé

19, rue Adams, bureau 208 Gaspé (Québec) G4X 1E5