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Choose your financing sources

Is it absolutely necessary for companies to go into debt to grow? The answer is obviously no. To finance company expansion, you can choose to use internal profits or re-injections of cash by owners/stockholders. If you want your company to grow faster, however, the leverage effect of borrowing may be the solution you need. You can also finance or refinance company assets such as accounts receivables, inventories, equipment and real estate using traditional financing vehicles such as term loans, commercial mortgages, an operating line of credit or revolving credit.

If you don't want to or can't increase your company's debt level, there are other solutions available.

Development capital

  • Development capital is a complementary source of funding to conventional business loans and takes the form of loans or share ownership.
  • The team of professionals at Desjardins Business Capital régional et coopératif can support you with a variety of projects:
    • Expansion/growth
    • Modernization/innovation
    • Mergers and acquisitions
    • Business transfers
  • With development capital, you can empower your company to:
    • Quickly seize market opportunities
    • Make acquisitions
    • Expand internationally
    • Grow productivity
    • Secure long-term sustainability

Learn more about development capital.

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.

Angel investors

  • Type of financing usually used at the beginning of a company growth phase.
  • Angel investors are often retired business executives with capital to invest.
  • They 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.