{"id":1152,"date":"2021-12-20T14:31:07","date_gmt":"2021-12-20T19:31:07","guid":{"rendered":"https:\/\/amcgim.org\/financing\/"},"modified":"2025-07-09T14:18:20","modified_gmt":"2025-07-09T18:18:20","slug":"financing","status":"publish","type":"page","link":"https:\/\/amcgim.org\/en\/financing\/","title":{"rendered":"Financing"},"content":{"rendered":"

[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.16″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#163c5e 0%|rgba(3,80,137,0.27) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”#163c5e” background_color_gradient_end=”rgba(3,80,137,0.27)” background_image=”https:\/\/amcgim.org\/wp-content\/uploads\/2021\/06\/peche3-scaled.jpg” custom_padding=”10vh||10vh||true|false” custom_padding_tablet=”4vh||4vh||true|false” custom_padding_phone=”” global_colors_info=”{}”][et_pb_row module_class=”flex” _builder_version=”4.16″ _module_preset=”default” width=”86vw” max_width=”86vw” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” custom_css_main_element=”margin:auto 0;” global_colors_info=”{}”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.16″ _module_preset=”default” title_font=”|700|||||||” title_text_color=”#FFFFFF” title_font_size=”80px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” title_font_size_tablet=”50px” title_font_size_phone=”32px” title_font_size_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_post_title][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_text_color=”#ED6B17″ header_font_size=”36px” background_layout=”dark” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Starting a business<\/strong><\/h1>\n

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Microcredit is nothing more or less than the community lending to the community!<\/span><\/h2>\n

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AMCG\u00ceM offers financing for the pre-start-up, start-up, development and consolidation of entrepreneurial projects. Loans can be issued up to a maximum of $20,000 at favourable rates and terms. Based on the principles of microcredit, our financing is characterized by capital raised and managed locally for entrepreneurs in the Gasp\u00e9sie and \u00celes-de-la-Madeleine region.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”rgba(220,211,207,0.45)” background_color_gradient_direction=”90deg” background_enable_image=”off” custom_padding=”4vh||4vh||true|false” custom_padding_tablet=”” custom_padding_phone=”2vh||2vh||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” width=”86vw” max_width=”86vw” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”||||||||” text_text_color=”#161F29″ header_2_font=”|700|||||||” header_2_font_size=”35px” background_color=”RGBA(0,0,0,0)” text_orientation=”center” custom_padding=”0px||20px||false|true” scroll_horizontal_motion_enable=”on” scroll_horizontal_motion=”0|50|50|100|-1|0|0″ border_color_all=”#FFFFFF” border_color_top=”#ED6B17″ global_colors_info=”{}”]\"accompagnement\"<\/p>\n

Business pre-startup<\/h2>\n

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Financing for business start-ups in Gasp\u00e9sie and the \u00eeles<\/h2>\n

Acc\u00e8s Microcr\u00e9dit Gasp\u00e9sie-\u00celes-de-la-Madeleine offers financing to entrepreneurs in the pre-start-up phase of their business. In fact, our flexible, versatile and adaptable loans can be granted as part of a business start-up process. Whether it\u2019s getting financing to obtain a certification or training related to your business project, AMCG\u00ceM is there to support you.<\/p>\n

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\"accompagnement\"<\/p>\n

Business start-up<\/h2>\n

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Business start-up loans in Gasp\u00e9sie and the \u00eeles<\/h2>\n

Our organization grants microloans of up to $20,000 to Gaspesian and Madelinot entrepreneurs. In addition to providing financing to entrepreneurs starting a business, our organization offers support to help you navigate the crucial stages of creating your business.<\/p>\n

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\"accompagnement\"<\/p>\n

Growing business<\/h2>\n

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Microcredit for business expansion in Gasp\u00e9sie and the \u00eeles<\/h2>\n

AMCG\u00ceM offers financing for the development projects of businesses already in operation.<\/p>\n

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Characteristics of our financing<\/span><\/h2>\n

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    \n
  • Financing of up to $20,000 with a fixed interest rate of 7%;<\/li>\n
  • Flexible repayment terms of up to 5 years;<\/li>\n
  • Our funding can be considered as a down payment by other financial partners;<\/li>\n
  • The loans granted are individual, to the person, not to the company;<\/li>\n
  • No penalty for early loan repayment.<\/li>\n<\/ul>\n

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    Pr\u00eat d\u2019action communautaire Gasp\u00e9sie\u2013\u00celes-de-la-Madeleine (PACG\u00ceM)<\/strong><\/p>\n

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    • \n
        \n
      • Crowdfunding campaign in collaboration with La Ruche Gasp\u00e9sie-\u00celes-de-la-Madeleine<\/li>\n
      • For individuals and social economy enterprises<\/li>\n
      • Loan of up to $20,000 at an interest rate of 5%<\/li>\n
      • Capital repayment holiday of up to 12 months<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

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        Fund for Women Entrepreneurs<\/strong><\/p>\n

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          • For women with a business or owning at least 50% of the shares of a business<\/li>\n
          • Loan of up to $20,000 at an interest rate of 7%<\/li>\n
          • Capital and interest repayment holiday for one year<\/li>\n
          • Benefits from an additional 12-month loan repayment term<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

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            Special funds<\/span><\/h2>\n

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            • \n
              Digital Integration Fund<\/h5>\n<\/li>\n<\/ul>\n

              The Digital Integration Fund has been designed to meet the needs of self-employed workers, artists and micro-businesses with digital deployment projects, including the purchase of associated equipment.<\/p>\n

              [\/et_pb_text][et_pb_button button_text=”Learn more” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9hdHRhY2htZW50Iiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM5MjcifX0=@” _dynamic_attributes=”button_url” sticky_enabled=”0″][\/et_pb_button][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_5_text_color=”#163C5E” global_colors_info=”{}”]<\/p>\n

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              • \n
                Desjardins-AMCGIM Youth Entrepreneurship Fund<\/h5>\n<\/li>\n<\/ul>\n

                This fund has been designed to offer unique flexibility to entrepreneurs aged 16 to 20, enabling them to bring their projects to realization in the production and\/or marketing of commercial goods or services.<\/p>\n

                [\/et_pb_text][et_pb_button button_text=”Learn more” _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9hdHRhY2htZW50Iiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM5MjkifX0=@” _dynamic_attributes=”button_url” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”5vh||5vh||true|false” custom_padding_tablet=”5vh||5vh||true|false” custom_padding_phone=”2vh||2vh||true|false” global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ _module_preset=”default” width=”86vw” max_width=”86vw” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#FFFFFF” header_2_font=”|700|||||||” header_2_text_align=”left” header_2_text_color=”#035089″ header_2_font_size=”42px” background_layout=”dark” scroll_horizontal_motion_enable=”on” scroll_horizontal_motion=”0|50|50|100|-1|0|0″ scroll_rotating=”0|50|50|100|10\u00b0|0|0\u00b0” header_2_font_size_tablet=”35px” header_2_font_size_phone=”” header_2_font_size_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

                Eligibility criteria<\/span><\/h2>\n

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                  \n
                • The business project must be viable, sustainable, legal and ethical;<\/li>\n
                • The entrepreneur must have limited access to traditional sources of financing;<\/li>\n
                • The head office must be in Gasp\u00e9sie or the \u00celes-de-la-Madeleine;<\/li>\n
                • The promoter must demonstrate entrepreneurial qualities;<\/li>\n
                • The promoter must obtain the necessary permits for the operation of their project;<\/li>\n
                • The loan cannot be used to pay off pre-existing debt or a project that has already been completed;<\/li>\n
                • Upon obtaining the loan, the promoter agrees to follow the advice of one of our agents on a regular basis.<\/li>\n<\/ul>\n

                  [\/et_pb_text][et_pb_blurb title=”Loan on trust” use_icon=”on” font_icon=”$||divi||400″ icon_color=”#035089″ icon_placement=”left” image_icon_width=”46px” content_max_width=”100%” _builder_version=”4.16″ _module_preset=”default” header_text_color=”#035089″ animation_style=”fade” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” icon_font_size=”46px” global_colors_info=”{}”]<\/p>\n

                  A loan on trust is a loan that has no personal or real guarantee. It is a loan made in the name of the promoter that they will personally commit to repaying.<\/p>\n

                  [\/et_pb_blurb][et_pb_blurb title=”Term loan” use_icon=”on” font_icon=”$||divi||400″ icon_color=”#035089″ icon_placement=”left” image_icon_width=”46px” content_max_width=”100%” _builder_version=”4.16″ _module_preset=”default” header_text_color=”#035089″ animation_style=”fade” header_font_size_tablet=”” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” icon_font_size=”46px” global_colors_info=”{}”]<\/p>\n

                  The term loan allows you to meet a specific financing need. It is depreciable, which means that you can repay the loan monthly. It is also possible to repay the loan early. In this case, the borrower makes a substantial repayment of their loan which will reduce the term of the loan and the interest paid. <\/p>\n

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                  \u00ab\u00a0In my case, AMCG\u00ceM supported me even though I was freshly out of school. I didn\u2019t have enough money to make a convincing down payment in the eyes of a bank and didn\u2019t have enough credit history to reassure an investor. <\/em>\u00bb<\/p>\n

                  [\/et_pb_text][et_pb_text _builder_version=”4.16″ _module_preset=”default” custom_margin_tablet=”||30px||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]Cl\u00e9ment Vall\u00e9e<\/strong>
                  \nBiseak, Sainte-Anne-Des-Monts.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

                  Starting a businessMicrocredit is nothing more or less than the community lending to the community!AMCG\u00ceM offers financing for the pre-start-up, start-up, development and consolidation of entrepreneurial projects. Loans can be issued up to a maximum of $20,000 at favourable rates and terms. Based on the principles of microcredit, our financing is characterized by capital raised […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-1152","page","type-page","status-publish","hentry"],"yoast_head":"\nFinancing - Acc\u00e8s Microcr\u00e9dit Gasp\u00e9sie-\u00celes-de-la-Madeleine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/amcgim.org\/en\/financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financing - Acc\u00e8s Microcr\u00e9dit Gasp\u00e9sie-\u00celes-de-la-Madeleine\" \/>\n<meta property=\"og:description\" content=\"Starting a businessMicrocredit is nothing more or less than the community lending to the community!AMCG\u00ceM offers financing for the pre-start-up, start-up, development and consolidation of entrepreneurial projects. 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