To value and nurture the best of Québec entrepreneurship

Support for cooperatives

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Québec’s leader in financing for cooperatives, at CRCD we adapt our investment offering to a cooperative’s specific type and purpose. In collaboration with the Conseil québécois de la coopération et de la mutualité (CQCM), CRCD and our manager work proactively to achieve the business objectives of cooperatives, subsidiaries of cooperatives or federations or associations of cooperatives.

With our expertise, our understanding of the cooperative reality and our close ties to the milieu, our investment professionals can support you in growing your cooperative.

We support different types of cooperatives that primarily:

  • Offer competitive products and services that show potential for growth
  • Are managed by a team of committed directors and managers who are seeking a business partner
  • Share cooperative values

The range of projects we support grows with your cooperative:

  • Startups
  • Acquisition
  • Expansion and upgrading
  • Cooperative succession
  • Financial strengthening

Eligible business sectors
All sectors are eligible, except for natural resource exploration and financial services

Our support financing solutions

Our solutions are tailored to the specific needs of the cooperative market. The amounts we invest range from $50,000 to $50 million depending on the financial package needed to carry out your project.

Subordinated debt

Subordinated loans are generally for a term of 5 to 8 years, with repayment terms that are flexible and linked to the forecasts of your cooperative.

Preferred shares

Preferred shares, a form of equity, improve a cooperative’s financial ratios. Because there is no repayment of capital for a set period of up to five years, the cooperative’s working capital is improved. This type of investment, generally for a term of 5 to 10 years, offers flexible repayment terms following the holding period.