Fast-track tier — up to
$150,000
For immediate, well-defined needs: working capital, equipment, commercial vehicles, carrying out a new contract. Subject to eligibility.
Commercial financing — Quebec SMEs
Commercial financing for Quebec SMEs.
Fast-track up to $150,000, subject to eligibility. Up to $1,000,000 through our financial partners. Large commercial loans of several million, structured with the banks. At every scale, the same principle: a file built the way an analyst would read it.
Ceneris Conseils is an advisory firm, not a direct lender. We structure your request; the approval decision rests with the financial partner. No financing is guaranteed.
Why files fail — and how we build them
We step in before the request, not after the refusal.
Financing that is refused or poorly structured costs more than financing that is well prepared: lost time, delayed contracts, missed opportunities. Most requests fail not because the business is not solid, but because the file does not clearly demonstrate the need, the repayment capacity, and the use of funds. That is exactly where we step in: before the request, not after the refusal.
Where anonymous platforms send you to a form and fast advances promise an immediate answer at a high cost, Ceneris makes the opposite choice: a human who answers your call, the right structure for your real need, and a file built with rigour.
"Ceneris Conseils finances the growth of Quebec businesses: fast-track financing up to $150,000; financing up to $1,000,000 through our financial partners; and large commercial loans of several million structured with the banks — with Ceneris acting as intermediary."
Our position, in one sentence
The three tiers
Three tiers, one well-built file.
Partners tier — up to
$1,000,000
For large-scale projects: we structure your file and present it to our financial partners, with Ceneris acting as intermediary.
Banks tier
Several million dollars
Business acquisition, commercial real estate, major expansion: large commercial loans structured with the banks, based on solid financial statements and a clear plan.
No amount is guaranteed: approval, the amount granted, and the terms rest with the financial partners, according to their own criteria.
By need
The financing we structure.
Working capital
Payroll, suppliers, inventory, your clients' payment terms: the cash flow of a growing SME is constantly under pressure. We structure requests aligned with your real operating cycle, so that a lack of liquidity is never what makes you turn down a profitable contract.
Commercial lines of credit
A properly sized line absorbs the gaps between your cash outflows and inflows. With you, we determine the amount justified by your operating cycle and present the request with the numbers that support it.
Equipment and machinery
We prepare your request by demonstrating the link between the target asset, your production capacity, and your revenues — the logic a financial partner wants to see, for new or used equipment.
Commercial vehicles
Trucks, trailers, service vehicles: the vehicle is not an expense, it is the tool that generates revenue. We structure your fleet financing according to your contracts and your seasonality.
Leasing
Use equipment or a vehicle without tying up your liquidity up front, with payments structured around the asset. In your file, we compare this option with traditional financing, with tax aspects to be validated with your accountant.
Factoring
Your accounts receivable are often your largest tied-up asset. Factoring turns your invoices into liquidity without waiting for your clients' payment terms — when it is the right answer to a short-term cash flow problem.
Refinancing
Financing taken on in a hurry is not always the right one for the long term. When the numbers justify it, we structure a request that rebalances your payments and your cash flow — with no promise on rates.
Financing for new contracts
Winning a big contract is a victory — but you still have to finance the labour, the materials, and the equipment to deliver it before the first payments arrive. We structure this financing before you sign: you negotiate from a position of strength, with a plan already in place.
Large commercial financings
Acquisition, commercial real estate, major expansion, heavy equipment: we structure large commercial loans — several million dollars — and present your file to the appropriate banking partners. These files require solid financial statements and a well-thought-out structure: that is exactly the work we do with you, before the request.
Process
Support in four steps.
1
The conversation
You call us at 514-448-3727, ext. 102, or submit your request online. We discuss your need and sincerely tell you whether — and how — we can help. No obligation.
2
The structured file
A justified need, an amount supported by documents (quote, contract, projections), financial statements presented to the partners' expectations. This is the step improvised requests skip — and the one that makes the difference.
3
The presentation
We submit your file to the partners that match your industry, your type of need, and your profile. If your file is not ready, we tell you so and point out what must be corrected before presenting it.
4
The follow-up
We track progress with you, right up to the financial partner's decision.
Eligibility. Each financial partner applies its own criteria: we cannot guarantee approval of a request, a rate, or a processing time. In general, the best-received files present a business operating in Quebec, up-to-date financial statements, a clearly defined need supported by documents, and a demonstrated ability to repay from the business's revenues.
The industries we know
Construction · Transportation and logistics · Manufacturing · Distribution and wholesale · Agriculture and agri-food. In another industry? Call us at 514-448-3727, ext. 102: we will sincerely tell you whether your need fits our support.
Online request
Submit your request — two minutes, no banking documents.
Seven fields, no banking information, no financial documents at this stage. We analyze your need and call you back within one business day for a first conversation, with no obligation.
Something more urgent? Call us directly:
514-448-3727, ext. 102
Monday to Friday, 9 a.m. to 5 p.m.
Thank you. Your request has been received.
A team member will read it personally. We will call you back within one business day. Something more urgent? 514-448-3727, ext. 102 (Monday to Friday, 9 a.m. to 5 p.m.).
FAQ
Frequently asked questions.
Are you a lender?
No. Ceneris Conseils is an advisory firm, not a direct lender. We structure your request and present it to financial partners; the approval decision rests entirely with them.
Up to what amount can you support us?
Three tiers: fast-track financing up to $150,000, subject to eligibility; financing up to $1,000,000 through our financial partners; and large commercial loans of several million, structured with the banks for eligible large-scale projects. The amount granted depends on your situation, your financial statements, and the purpose of the financing.
What types of financing do you structure?
Working capital, lines of credit, equipment and machinery, commercial vehicles, leasing, factoring, refinancing, financing tied to carrying out new contracts, and large bank financings.
What documents should we prepare?
In general, your recent financial statements and the documents supporting your need (equipment quote, signed contract or one under negotiation, projections). No documents are requested in the online form; during our first conversation, we give you the exact list for your request.
How long does the process take?
The timeline varies with the partner, the complexity of the file, and how quickly documents are provided. We promise no timeline — but a complete file from the start avoids the back-and-forth that slows down most requests.
What do your services cost?
Our terms are discussed transparently during the first conversation, before any commitment. Call us at 514-448-3727, ext. 102.
Your project deserves a file equal to it.
Talk to an advisor at 514-448-3727, ext. 102 — or submit your request online. Ceneris Conseils, 50, rue Saint-Charles Ouest, bureau 100, Longueuil (Québec) J4H 1C6.
An advisory firm, not a direct lender. Financing subject to eligibility; no financing, rate, or timeline is guaranteed.