Application process

Starting a business


The entrepreneur’s idea

At this stage, we can discuss your project together.

Does it meet a need and is the project realistic? Do you have the personality of an entrepreneur, what are your strengths, your challenges and what are your motivations? What are your financial needs to live? How can you invest in your project? All these questions will help you decide whether or not to go into business.


Business plans and financial planning

Accès Microcrédit Gaspésie-Îles-de-la-Madeleine can support you in writing your business plan.

This is critical to the success of your project. It will allow investors to understand your business idea, but it will also allow you to better understand and put in place the important points you’ll need to start with good management. The business plan goes hand in hand with the financial planning. As such, we look at your expenses and your revenue, in order to evaluate the viability of your project.



Once the business plan and financial planning are established, our advisors can evaluate the best financial partners.

If you need our contribution, your file will be evaluated by our coordinator-analyst who will carry out a credit score investigation. This is only one decision criteria among many others, because we put the human at the heart of the approach, the financing of projects is decided on a case-by-case basis.

Once the file has been evaluated, the coordinator-analyst will decide whether or not to recommend the loan to the investment committee. During the meeting with the committee, you will present your project and the investment committee will make a recommendation to the board of directors who will validate the committee’s decision. It is not uncommon for the investment committee to grant the loan with recommendations to follow. A fee of $125 is payable when the loan is issued.



A regular follow-up will be carried out by your advisor in order to equip you in the early stages of your project.

The advisor is responsible for ensuring that the recommendations made by the investment committee are followed.