Desjardins is the largest financial co-operative in North America and a leading provider of business financing in Québec and Ontario. With more than 7.5 million members and clients, Desjardins combines the stability of a major financial institution with a community-driven approach to banking. Its business loans and credit solutions are tailored to help entrepreneurs, professionals, and co-operatives finance start-ups, manage growth, and invest in modernization.
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👉 Desjardins Business Financing
What Is a Desjardins Business Loan?
Desjardins offers flexible financing options for small and medium-sized enterprises (SMEs), agricultural producers, and co-operatives. Its business loans are structured around your goals — whether you need funds to buy equipment, acquire property, expand operations, or strengthen working capital. Each application is evaluated on your project’s viability, repayment capacity, and contribution to your region’s economic development.
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👉 Financing Your Business – Desjardins
Types of Desjardins Business Financing
- Business Loan
Provides long- or short-term financing to cover equipment purchases, expansion, or modernization projects. Features competitive fixed or variable rates and repayment schedules aligned with cash flow.
👉 Business Loan Overview - Line of Credit
Offers continuous access to funds to manage day-to-day expenses, pay suppliers, or handle seasonal cash-flow variations. Interest is payable only on the funds used.
👉 Business Line of Credit - Equipment Financing and Leasing
Enables entrepreneurs to purchase or lease new or used equipment through flexible and tax-efficient options. Ideal for manufacturers, agricultural producers, and service businesses investing in modernization. - Commercial Real Estate Financing
Long-term funding for purchasing, constructing, or renovating commercial and industrial properties. Repayment schedules are adapted to revenue streams and project timelines.
👉 Commercial Real Estate Financing - Agricultural and Agri-Food Loans
Custom-designed credit solutions for farmers, agri-producers, and food processors through Desjardins Agricultural Financing. Includes financing for land, equipment, and operational needs.
👉 Agricultural Financing - Co-operative and Social Enterprise Financing
As a co-operative institution, Desjardins actively supports financing for co-ops, social enterprises, and non-profits that contribute to local economies. - Government and Partner Programs
Desjardins collaborates with programs such as:- Canada Small Business Financing Program (CSBFP)
- Investissement Québec and regional development funds
- Futurpreneur Canada for young entrepreneurs
Who Can Apply
- Small and medium-sized enterprises (SMEs) across all sectors
- Professionals and self-employed individuals
- Co-operatives, non-profits, and social enterprises
- Agricultural and agri-food producers
- Entrepreneurs launching new businesses or acquiring existing ones
Eligibility is based on your project’s financial soundness, equity contribution, and business plan.
👉 Desjardins Financing Information
Why Entrepreneurs Choose Desjardins
- Flexible loan terms and competitive interest rates
- Local decision-making and fast processing
- Dedicated agricultural and co-operative financing programs
- Expert business advisors available across Québec and Ontario
- Support for government-backed financing programs
👉 Why Choose Desjardins Business Services
The Role of The Biz Plans
At The Biz Plans, we help entrepreneurs, co-operatives, and agri-businesses prepare Desjardins-ready business plans that align with the bank’s lending and co-operative values. Our CPA-led team develops detailed financial forecasts, sustainability metrics, and operational strategies that meet Desjardins’ credit-review standards.
- Build clear financial models showing repayment capacity and profitability
- Prepare professional business plans for loans, lines of credit, or partner programs
- Demonstrate community and economic impact for co-operative and social financing applications
- Present a professional proposal that builds lender confidence and trust
How to Apply for a Desjardins Business Loan
- Review Desjardins’ financing options and determine your project’s needs.
👉 Explore Desjardins Financing Solutions - Prepare your business plan and financial projections. The Biz Plans can help you create a lender-ready proposal.
- Contact a Desjardins Business Advisor.
👉 Find a Desjardins Business Centre - Submit your application with supporting documents.
- Finalize your loan agreement with your advisor and start your project with confidence.
Additional Desjardins Resources
- Desjardins Business Banking
- Business Financing
- Equipment Financing and Leasing
- Agricultural Financing
- Contact Desjardins
Final Thoughts
Desjardins stands apart for its co-operative model and long-term commitment to local businesses. Its mix of flexibility, community values, and specialized programs makes it a trusted financial partner for entrepreneurs and co-operatives across Canada.
At The Biz Plans, we help clients prepare detailed, data-driven business plans that align perfectly with Desjardins’ lending priorities and co-operative approach.
Ready to Start Your Desjardins Business Plan?
Create a lender-ready proposal that strengthens your financing application.