Investissement Québec — Panorama (Export Diversification Financing)
Compared with the 242 other application forms we have read
- Scored mainly on market demand and growth. 19 lead with that.
- Most rejections here are settled before you write a word: they turn on who you are, not how well you argue.
Do you qualify for this loan?
Get your instant eligibility verdict plus a head start on the application. Free, no account needed.
We use this program’s real eligibility rules. 4 short questions follow.
Want your full match picture across 850+ programs? Take the 2-minute quiz →
Eligibility & Details
What this program funds and who can apply
Program Description
A term-loan financing program from Investissement Québec providing $250,000 to $1,000,000+ to established Quebec exporters seeking to diversify their markets away from the United States toward Canadian and international destinations. Launched in 2025 as part of Quebec's tariff-response measures, Panorama includes up to a 24-month capital repayment moratorium and advisory support to help mature exporters navigate new trade relationships. The program is listed on the official Quebec government tariff-measures hub and is distinct from Investissement Québec's ESSOR grants and general project financing programs.
Eligibility Requirements
- Quebec-based business with an established export track record (prior export experience required)
- Solid financial situation — demonstrated financial health and capacity to service the loan
- No Quebec job losses as a result of or in connection with the project
- Project must involve diversification of export markets away from the US to Canadian or international destinations
- Sector exclusions: agriculture and fishing, cannabis, private medical clinics, owner-occupied residential real estate, tourism, and B2C retail are ineligible
- Business must be incorporated and operating commercially
Quick Assessment
Funding Details
- Amount
- $250,000–$1,000,000+ term loan with up to 24-month capital repayment moratorium
- Type
- Loan
- Level
- Provincial
- Deadline
- Ongoing — open as part of Quebec's tariff-response measures; no published sunset date
Program Scorecard
Competition, effort, and approval at a glance
Difficult — significant preparation needed
Moderate competition — prepare a strong application
Moderate — standard requirements
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
Insider TipPanorama was designed specifically for established Quebec exporters pivoting away from US dependence — this is not a program for companies entering export for the first time.
Rejection Pitfalls 7
- Business has no prior export track record (first-time exporters are not eligible)
Success Profile
Evaluation Criteria
How Investissement Québec judges your application
What the reviewer scores, what gets applications rejected, and what to write.
Distilled from 3 source documents on investquebec.com, condensed into one brief. Sources as of 2026-09-07.
3 sources
Sign up free to save this programme and track your application in your workspace.
What Investissement Québec favours
Mature Quebec businesses diversifying markets outside Quebec◦
“Panorama s’adresse aux entreprises québécoises matures qui veulent diversifier leurs marchés hors Québec.”
The form
Contact details
- 1Prénomshort answer
- 2Nomshort answer
- 3Courriel professionnelshort answer
- 4Téléphoneshort answer
- 5Entrepriseshort answer
Your export project
- 6Région administrativeselection
- 7Où en êtes-vous dans votre démarche d'exportation?selection
- 8Secteur d'activité de la clientèle viséeselection
- 9Région(s) visée(s) par votre projet d’exportationcheckboxes
- 10Quels sont vos besoins?checkboxes
- 11Désirez-vous du soutien pour diversifier vos marchés?selection
Newsletter
- 12J'aimerais m'abonner à l'infolettrecheckbox
Investissement Québec states no length limits for these answers.
Judged against
- 1
Do you already sell outside Quebec?
Show them Answer the export-stage question with the markets you serve and how regularly you ship or sell there.◦
In the funder’s words · 1
- Les entreprises établies au Québec qui ont une bonne expérience sur les marchés hors Québec et qui proposent un produit ou un service ayant un potentiel sur le marché visé sont admissibles
- 2
Will your product sell in the target market?
What to show, and the funder’s 1 criterion behind it in Premium
- 3
Is your business credit-worthy?
What to show, and the funder’s 1 criterion behind it in Premium
Where applicants fail
“Nous pourrions également exclure certaines entreprises ne respectant pas les exigences en matière de gestion des risques et opportunités ESG pour le secteur d’activité ou la région géographique concernés.”
Premium · the rest of this brief
See all 4 rules that can reject you and every criterion you are judged on. Then we draft your application for you.
2 more rules that can reject you · 1 more criteria
Do you pass?
Each one can rule you out. Tick the ones you meet.
Your business
Established in Quebec, with export experience
Les entreprises établies au Québec qui ont une bonne expérience sur les marchés hors Québec et qui proposent un produit ou un service ayant un potentiel sur le marché visé sont admissibles
Not a start-up
L'entreprise ne soit pas en démarrage
The money
Term loan250 000$ à 1 000 000$
Prêt à terme de 250 000$ à 1 000 000$
Larger financingsupérieur à 1 000 000$
Financement supérieur à 1 000 000$
Repayment moratoriumup to 24 months
The $250,000–$1,000,000 term-loan formula offers a principal-repayment moratorium of up to 24 months.
What it pays for · 5
- les démarches de développement des affaires pour accroître les ventes sur les marchés de diversification (les honoraires de consultation, les frais de déplacement et de promotion, les frais d’embauche d’un représentant local, les frais juridiques, etc.)
- les frais d’ouverture d’un bureau à l’étranger (de vente, de services ou de logistique)
- les frais pour répondre à un contrat d’un acheteur hors Québec
- acquisition d'une entreprise à l’étranger dans le but d’étendre un réseau de vente, de diversifier un portefeuille de produits ou d'établir des partenariats manufacturiers potentiels
- achat de nouvel équipement ou ajout d’une ligne de production pour répondre aux exigences d’un donneur d’ordre international
From application to money
- Talk to an advisorAdvisor identifies suitable financing and conditions
- Send contact intakeUse the Parlez-nous de votre projet webform
- Financing identifiedFinancing identified after the intake conversation
In the funder’s words · 3
- Talk to an advisor
- The contact intake connects you with an Investissement Québec account manager or representative who identifies suitable financing and conditions.
- Send contact intake
- Use the embedded Parlez-nous de votre projet webform, phone 1 844 474-6367, or your account manager.
- Financing identified
- Investissement Québec identifies suitable financing and conditions after the intake conversation.
Quoted lines are word for word from the source documents; lines marked ◦ are our reading of them.
Everything you need to secure Investissement Québec — Panorama (Export D...
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 7 rejection pitfalls reviewers flag — so you catch them first
- 7-document checklist with what each reviewer is actually checking
- Your Application Game Plan — the print-ready PDF the preview below describes
- 6-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- 4-program stacking strategy to combine with compatible funding
- Success profile + evaluation criteria — exactly what lenders look for
Application Playbook
Step-by-step process, required documents, and expenses
Application Steps
Required Documents 7
Eligible Expenses 5
Ineligible Expenses 5
Deadline Notes
Ineligible Organizations
Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Compatible Programs
Clawback Risk
Medium RiskHow Investissement Québec — Panorama (Export D... Compares
Side-by-side with similar programs
| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| Investissement Québec — Panorama (Exp... | $250,000–$1,000,000 | Moderate | Loan | Ongoing — open as part... |
| CanExport SMEs | Up to $50,000 | Moderate | Mixed (Advance + Reimb.) | Between intakes — the... |
| Strategic Response Fund (formerly Str... | Minimum $10 million contribution | Hard | Mixed (Advance + Reimb.) | Ongoing — continuous... |
| Innovative Solutions Canada | up to $150,000 | Hard | Milestone-Based | Challenge-specific — new... |
| Ocean Supercluster | Up to $5 million | Hard | Reimbursement | Continuous intake (Core... |
Related Programs
Other programs you might be eligible for