Créavenir
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Eligibility & Details
What this program funds and who can apply
Program Description
Créavenir is Laval Économique's delivery, in partnership with Desjardins Entreprises, of financing for entrepreneurs aged 18 to 39 starting or consolidating a business in Laval. The package combines a non-repayable grant of up to $5,000 with a line of credit and credit card carrying a limit of up to $16,000 at the prime rate plus 0.5%. Three tracks are covered — a new company, an established company active for less than three years, and the succession of an existing business. The entrepreneur must hold at least 50% of the shares, submit a business plan developed or validated with Laval Économique, and make Desjardins the company's primary financial institution.
Eligibility Requirements
- Be between 18 and 39 years old. Laval Économique presents Créavenir program-wide as being 'For young entrepreneurs between the ages of 18 and 39 who want to start a business or consolidate one', and its official program listing gives the same target audience.
- The entrepreneur must hold at least 50% of the shares of the company.
- Be legally incorporated, or in the process of being incorporated.
- Submit a business plan developed or validated with the help of Laval Économique. Financial forecasts are also required to present the project.
- Demonstrate good credit behaviour — Laval Économique states no minimum credit score but requires that 'good credit behaviors must be seen in the contractor'.
- Make Desjardins the company's primary financial institution. The company may hold an account elsewhere, but it must use Desjardins for its day-to-day operations.
- Track-specific — new company: be legally incorporated or in the process of being incorporated, and submit a business plan developed or validated with Laval Économique.
- Track-specific — established company: be legally incorporated; be active for less than 3 years; ensure the maintenance or creation of jobs; and present the business plan produced at the time of the company's launch and for the current year.
- Track-specific — succession of an existing business: be legally incorporated; the project must ensure the maintenance or creation of jobs; and the project must allow the acquisition of at least 50% of the company's share capital.
- Other conditions may apply.
- The business is expected to be in Laval — Créavenir here is delivered by Laval Économique, and the business plan must be developed or validated with its team.
Quick Assessment
Funding Details
- Amount
- Non-repayable grant of up to $5,000, plus a line of credit and credit card with a limit of up to $16,000 at the prime rate + 0.5% (repayable)
- Type
- Program
- Level
- Municipal
- Deadline
- At all times — continuous intake
Program Scorecard
Competition, effort, and approval at a glance
Everything you need to win Créavenir
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 9-document checklist with what each reviewer is actually checking
- 6-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- Success profile + evaluation criteria — exactly what reviewers score on
How to Win
Insider tips, common pitfalls, and what successful applicants look like
Insider TipThe 18-to-39 age range and the 50% shareholding requirement apply across the whole program, not just the succession track — the page's eligibility bullets only spell the age out under succession, but its own heading and Laval Économique's official program listing both describe Créavenir as being for entrepreneurs aged 18 to 39, and the FAQ states the shareholding rule without qualifying it by track.
Evaluation Criteria
Application Playbook
Step-by-step process, required documents, and expenses
Application Steps
Required Documents 9
Eligible Expenses 4
Ineligible Expenses 1
Intake Periods
Deadline Notes
Ineligible Organizations
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Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Stacking partner data not yet available.
Clawback Risk
Medium RiskHow Créavenir Compares
Side-by-side with similar programs
| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| Créavenir | up to $5,000, | Moderate | Mixed (Advance + Reimb.) | At all times —... |
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| Canada Economic Development for Quebe... | Varies | Moderate | Reimbursement | Ongoing |
| PME MTL - Fonds Jeunes Entreprises | Up to $25,000 | Moderate | Reimbursement | Ongoing |
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Frequently Asked Questions
Quick answers to the questions founders most often ask about Créavenir