Business Loans Quebec - Compare Providers
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Spring Financial Personal Loan | $500 – $35,000 | 9.99% – 34.95% | 6 – 84 months | Learn more |
 easyfinancial Personal Loan (Unsecured) | $500 – $150,000 | 9.99% – 34.95% | 9 - 240 months | Learn more |
 Fairstone Financial Unsecured Personal Loan | $500 – $25,000 | 29.99% – 34.99%* | 6 – 60 months | Learn more |
 MDG Cash Installment Loan | Up to $20,000 | 19.8% – 34.99% | Up to 36 months | Learn more |
 LoanMeNow Personal Loan | $500 – $1000 | Up to 32% | 3 months | Learn more |
 Green Loans Personal Loan | Up to $1,000 | Up to 35% | Depends on loan amount | Learn more |
 goPeer Personal Loan | $1,000 – $35,000 | 8.99% – 34.99% | 36 or 60 months | Learn more |
 LendCare Installment Loan | $500 – $15,000 | 9.9% – 29.9% | 12 – 60 months | Learn more |
 Ledn Bitcoin-Backed Loan | $1,000 – $1,000,000 | 10.4% | 12 months | Learn more |
 Windmill Microlending Professional development loans | $15,000 | 6.7% | Up to 60 months | Learn more |
 514 Loans Personal Loan | $300 – $3000 | 22% – 32% | 3 – 4 months | Learn more |
 Fina Capitale Unsecured Personal Loan | $3,000 – $15,000 | 13.99% – 34.99% | 12 – 60 months | Learn more |
 Cash Depot Short-Term Loan | $300 – $3000 | 18% + fees | 6 months | Learn more |
 Financeit Personal Loans | $500 – $100,000 | Starting at 12.99% | Up to 60 months | Learn more |
 SimplyBorrowed Personal Installment Loan | $1,500 – $10,000 | Not listed | 12 – 60 months | Learn more |
 Credit Matik Personal Loan | $500 – $1,500 | 18.99% | 3 – 6 months | Learn more |
 Lamina Personal Loan | $300 – $1500 | Starting at 18% | 3 – 7 months | Learn more |
 DMO Crédit Personal Loan | $300 – $1,000 | 28% – 35% | 90 days – 16 weeks | Learn more |
 Credit2Go Short Term Loan | $250 – $1,500 | 23.99% – 29.99% | 3 – 4 months | Learn more |
 LM Financial Personal Loan | Up to $15,000 | Not listed | Not listed | Learn more |
 Iceberg Finance Personal Loans | $1,000 – $35,000 | 12.99% – 29.99% | 12 – 84 months | Learn more |
 FlexMoney Installment Loan | $500 – $15,000 | Starting at 18.9% | 6 – 60 months | Learn more |
 Deposit My Cash Now Micro Loan | $300 – $3,000 | 18% + fees | 6 months | Learn more |
 My Next Pay Micro Loan | $300 – $3,000 | 18% + fees | 6 months | Learn more |
 Northstar Brokers Micro Loan | $300 – $3,000 | 18% + fees | 6 months | Learn more |
 City Lending Centers (CLC) Micro Loan | $150 – $1,600 | 10 – 35% | 3 – 6 months | Learn more |
 Alterfina Cash Advance | $500 – $2,500 | 18.99% | 3 - 6 months | Learn more |
 APX Lending Crypto-Backed Loan | $10,000; no maximums | From 9.99% | 3 - 60 months | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 North’n Loans Payday Loans | $100 – $1,500 | $14 per $100 | 14 – 90 days | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Nyble Line Of Credit | $30 – $250 | 0% | Open-ended | Learn more |
 KOHO Cash Advance | Up to $500 | 0% | Open-ended | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Canada Drives Car Loan | Up to $100,000 | 3.99% - 19.9% | 24 -96 months | Learn more |
| easyfinancial Car Loan | $500 – $150,000 | 9.99% – 34.95% | 9 - 240 months | Learn more |
| Fairstone Financial Car Loan | Up to $50,000 | Not listed | 6 – 60 months | Learn more |
 Car Loans Canada Car Loan | $5,000 – $65,000 | Up to 29.99% | 12 – 96 months | Learn more |
 Auto Credit Deals Car Loan | $5,000 – $75,000 | Not listed | 12 – 96 months | Learn more |
| LendCare Car Loan | Up to $50,000 | Not listed | Up to 60 months | Learn more |
 Carloans411 Auto Loan | Not listed | Not listed | 12 – 84 months | Learn more |
 2nd Chance Automotive Car Loan | Not listed | Starting at 4.2% | Not listed | Learn more |
 Royal Bank of Canada (RBC) Auto Loan | Starting $7,500 | Not listed | 12 – 96 months | Learn more |
| Min $7,500 | Not listed | 12 – 96 months | Learn more | |
 Desjardins Auto Loan | $7,500 + | Not listed | 6 – 96 months | Learn more |
 Auto Capital Canada Car Loan | Not listed | Not listed | Not listed | Learn more |
 Canada Auto Finance Auto Loans | $5,000 – $45,000 | 4.90 % – 29.95% | Not listed | Learn more |
 National Powersports Financing Vehicle Financing | Not listed | Not listed | Not listed | Learn more |
 National Bank Auto Loan | Not listed | Not listed | up to 96 months | Learn more |
 Scotiabank Auto Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
 Credit River Capital Inc Auto Loan | Not listed | Not listed | Not listed | Learn more |
 DealerPlan Financial Auto Loans | Not listed | Not listed | Not listed | Learn more |
 iA Auto Finance Auto Loan | Not listed | Starting at 10.99% | Not listed | Learn more |
 Loans2Go Auto Loan | Not listed | Not listed | Not listed | Learn more |
 LMG Finance Auto Loan | Not listed | Not listed | Not listed | Learn more |
 Toyloan Auto Loan | Not listed | Not listed | Not listed | Learn more |
| Iceberg Finance Auto Financing | $1,000 – $35,000 | 12.99% – 29.99% | 12 – 84 months | Learn more |
 TD Bank Car Loan | Up to $50,000 | Not listed | Up to 96 months | Learn more |
 Santander Car Loan | Not listed | Not listed | Up to 96 months | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 nesto Mortgage Loans | Min $110,000 | 4.14% – 6.29% | 24– 120 months | Learn more |
| easyfinancial Secured Loan | $500 – $150,000 | 9.99% – 34.95% | 9 - 240 months | Learn more |
| Fairstone Financial Second Mortgage & Refinancing | Second mortgage: up to $300,000 | 14.99% – 20.25% | 12 – 60 months Amortization up to 25 years (second mortgage) or 30 years (refinancing) | Learn more |
| Fairstone Financial Secured Loan | $5,000 – $60,000† | 19.99% – 25.99%* | 36 – 120 months | Learn more |
 Dominion Lending Center Mortgage | Not listed | Not listed | Not listed | Learn more |
 Mortgage Architects Mortgage | Not listed | 4.54% – 7.49% | 6 – 120 months | Learn more |
 Mortgage Alliance Mortgage | Not listed | 4.19% – 6.04% | 12 – 120 months | Learn more |
 First National Financial LP Residential Mortgage | Not listed | 4.49% – 6.63% | 1 – 10 years | Learn more |
 CanWise Mortgages | Not listed | 4.24% – 6.30% | 6 months – 10 years | Learn more |
 CHIP Reverse Mortgage Reverse Mortgage | Up to 55% of home value | Not listed | 12 – 60 months | Learn more |
 Equitable Bank Reverse Mortgage | Up to 59% of home value | Varies | Not listed | Learn more |
 Tangerine Mortgage | $50,000+ | Not listed | 12 – 120 months | Learn more |
 True North Mortgage Mortgage | $150,000 – $1,500,000 | 2.99% – 5.49% | 6 – 60 months | Learn more |
 Verico Mortgage | Not listed | Not listed | Not listed | Learn more |
 Peoples Bank Mortgages | Not listed | 4.50% – 5.97% | 12 – 60 months | Learn more |
 Mortgage Intelligence Mortgage | Not listed | Not listed | Not listed | Learn more |
 Victoria Financial Home Equity Loans | $15,000 – $1,000,000 | Starts at 12% | Up to 36 months | Learn more |
| Provider | Services | Details |
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| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 SharpShooter Funding Business Loan | $1,000 – $300,000 | 5.49% – 22.79% | 12 – 120 months | Learn more |
 Merchant Growth Term Financing | $5,000 – $800,000 | Not listed | 6 – 24 months | Learn more |
 OnTap Capital Business Financing | $10,000 – $2,000,000 | 10%+ | Up to 36 months | Learn more |
 Primed Loans Business Financing | $10,000 – $20,000,000 | Not listed | Not listed | Learn more |
 Bizcap Working Capital | Up to 2 million | Not listed | Flexible | Learn more |
 Driven Business Loan | $10,000 – $300,000 | Not listed | 3 – 24 months | Learn more |
 Lending Loop Small Business Loan | $ 1,000 – $500,000 | 4.96% – 24.93% | 1 – 60 months | Learn more |
 IOU Financial Term Loan | $15,000 – $1,500,000 | Not listed | 6 – 36 months | Learn more |
 Canadian Equipment Finance Equipment Loan | $50,000 – $12,000,000 | Not listed | 24 – 96 months | Learn more |
 Easylease Corp Equipment Loan | Up to $5,000,000 | Not listed | 24 – 72 months | Learn more |
 Econolease Financial Services Inc. Equipment Leasing | $1,000 – $1,000,000 | 6% – 20% | Not listed | Learn more |
 FundThrough Invoice Financing | $500 – $50,000 | 2.75% – 8.25% | 12 week cycles | Learn more |
 Lease Link Working Capital Loan | Up to $250,000 | Not listed | Up to 48 months | Learn more |
 Money in Motion Equipment Loan | $10,000 – $1,000,000 | 4% – 14% | 12 – 84 months | Learn more |
| Royal Bank of Canada (RBC) Business Loan | Starting at $5,000 | Not listed | Up to 84 months | Learn more |
 Canadian Imperial Bank of Commerce (CIBC) Business Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
| Desjardins Business Loan | Up to $100,000 | Not listed | Not listed | Learn more |
 BarterPay Barter Loan | BP 2,500 – BP 100,000 | Not listed | 6 – 60 months | Learn more |
| National Bank Business Loan | Up to $1,000,000 | Not listed | Not listed | Learn more |
 B2B Bank Investment Loan | $10,000 – $300,000 | Not listed | Not listed | Learn more |
 Bank of Montreal (BMO) Business Loan | Up to $500,000 | Not listed | Up to 15 years | Learn more |
| Scotiabank Business Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
 Laurentian Bank of Canada Business Loan | Up to $250,000 | Not listed | Up to 10 years | Learn more |
 Essex Lease Financial Corporation Equipment Loan | Not listed | Not listed | Not listed | Learn more |
 Export Development Canada Commercial Financing | Not listed | Not listed | Not listed | Learn more |
 Leaseline Equipment Leasing | Not listed | Not listed | 24 – 60 months | Learn more |
 Peel Financial Equipment Loans | Not listed | Not listed | Not listed | Learn more |
 Core Capital Group Inc Equipment Financing | Not listed | Not listed | Not listed | Learn more |
 Loop Business Line of Credit | Up to $1,000,000 | From 1.2% per month | Not listed | Learn more |
| TD Bank Business Loan | Not listed | Not listed | 12 – 60 months | Learn more |
 2M7 Financial Solutions Merchant Cash Advance | $1000 – $250,000 | Not listed | Not listed | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 BHM Financial Title Loan | Up to $50,000 | Not listed | Not listed | Learn more |
Last updated: October 28, 2026
Establishing, expanding or otherwise improving your business? No problem! Loans Canada is here to set you up with the best sources of business loans in Quebec. No matter what type of industry your business is based around, rest assured that there’s a loan for you.
How Can I Use My Business Loan In Quebec?
Excellent question! You can use your new loan in just about in any area of your Quebec business, including but definitely not limited to:
- Buying equipment of almost any kind
- Buying upgraded versions of your equipment after your current supplies break
- Switching locations or expanding your business with secondary locations
- Financing any additions, renovations or repairs your locations require
- Creating or maintaining an online service for sales and distribution purposes
- Compensating all your employees
- Buying staff uniforms
- Paying for advertising (pamphlets, billboards, television segments, etc.)
- Financing the cost of any company vehicles (purchase, maintenance, fuel, etc.)
Applying For a Business Loan In Quebec
How can I find the right lender?
- Before you apply anywhere, make sure to do lots of research. There are many lenders all over Quebec that offer business financing of all kinds. Some offer different services, payment rates, loan schedules, etc. Comparing lenders in Canada? Read this first.
What does my lender need to look at when I apply?
- Your lender needs to know, first and foremost, that you can pay them back in full, including any interest and extra fees involved. For that reason, they’re likely to look at the strength of your:
- Income and employment history (to see if you can afford your payments)
- Debt and payment history (to see if you already owe money to other lenders and how efficiently you’ve been paying your bills
- Credit report, credit score, credit rating and credit history (to see how you’re handling your other credit products)
- The value of your assets/collateral, if any (securing the loan against your home, car or other property is optional, but may help you earn approval and a lower interest rate
- The financial strength of your co-signer, if any (another optional tactic for approval and interest rate savings is to have someone with good finances/credit to co-sign your loan)
- Your business plan (to know how you will invest your business loan and how much profit you’re expecting to make)
Why do lenders examine my credit?
- Your lender might request a copy of your credit report from one of Canada’s main credit bureaus (Equifax and TransUnion). Your report contains a record of all your actions as a credit user over several years. They do this because they want to check your:
- Personal Profile (This simply helps them confirm your Quebec residency, social insurance number, citizenship, etc.).
- Credit Score (This 3-digit number, ranging from 300-900, gives them a basic idea of how responsible you’ve been as a credit user).
- Credit Rating (When you use credit with other lenders, they’ll give you a rating based on your payment activity. A good rating usually means you’re trustworthy with credit).
- Credit History (Most of your credit transactions stay in your history for a number of years, letting your lender know how you’ve handled your credit in the past, present and potentially in the future).
Does it matter what my credit score is?
- Generally speaking, yes. While some lenders don’t check your credit as part of their application procedure, business loans in Quebec can be relatively large, so they’ll want to confirm that you’ve been and will likely continue to be a responsible credit user.
- A score of 650 or above means you have “good credit”, meaning you should receive better approval chances and interest rates.
- A score of 620 or less means you have “bad credit”, meaning you could receive worse approval chances and interest rates.
Click here to discover some ways of fixing or improving your credit score.
Alternative Business Financing Options
Small business loans in Quebec aren’t the only business financing options available through Loans Canada. In fact, when you apply, you can also gain access to:
- Merchant cash advances
- Commercial mortgages
- Equipment financing
- Asset-based financing
Frequently Asked Questions
How does a business loan work?
A business loan works a lot like a personal loan, expect the purpose it is used for is for business-related reasons. When you're approved for a business loan, you'll get a lump sum of capital that you must repay with periodic payments for a length of time plus interest.
Can I get a business loan with bad credit in Quebec?
While it may not be possible to get a business loan with a bank in Quebec, you can get one with an alternative lender. Alternative lenders generally have flexible lending standards and base their approval on other financial aspects. They'll evaluate your debt level, assets you may have, your business monthly sales and more to determine if you are creditworthy.
How do I increase my chances of getting a business loan in Quebec?
One of the best and most obvious ways of increasing your chances of qualifying for a business loan is improving your credit score. The higher your personal and business credit score, the more creditworthy you'll be. Checking your credit score and paying down debts before applying can increase your chances of being approved. Another way you can increase your chances of getting a business loan in Quebec is by securing your loan with an asset. Adding collateral will reduce the risk your lender takes by lending to you, which will increase your chances of qualifying.
Quebec Business Owners, Loans Canada is Here
If you’re living in Quebec and you’re looking to do right by your business, you can do just that when you apply with us! Simply click the link below and you’ll only be minutes away from the right business financing for your industry needs.
