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Equity financing

Equity financing is provided in part by business principals. Businesses may also approach private investors and investment companies to find the capital it requires to grow. These funds improve company funding without affecting the ability of the business to obtain debt financing.

Equity sources

Business principals

Principals must provide a portion of the business start-up and operating funds (personal savings, residence, pension funds, RRSPs).

Retained earnings

  • Retained earnings generated by business activity can be reinvested into the company to help finance its growth.

Initial public offering (IPO)

  • For companies needing a massive inflow of capital to support their growth.
  • How it works:
    • The company issues and sells shares of common stock to the public through securities brokers. The stock can be issued with warrants or options.
    • A prospectus allows prospective investors to learn about business activities and financial statements as well as the securities for sale. In Quebec, the Autorité des marchés financiers oversees what information companies must provide to securityholders in the prospectus.
  • Because of the wide array of legal requirements surrounding securities transactions, the assistance of professionals is required to carry out this complex undertaking.

To learn more about IPOs, contact a Desjardins Securities advisor.

Investment capital and venture capital

Regardless of your company’s growth stage, Desjardins Capital offers you tailored financing in the form of a loan or equity. To learn more about investment capital or venture capital, go to (in French only) - This link will open in a new window..

Angel investors

  • Often retired business executives with capital to invest.
  • Type of financing usually used at the beginning of a company growth phase.
  • Angel investors usually invest in projects they expect will have a high chance of success. They become a business partner and are usually involved in the management and development of the business.