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Financing Options 

Digital Maturity Analysis

Provider: DTC Canada

Understanding your business’s digital maturity is the first step toward successful transformation. This analysis provides a detailed evaluation of your current technology and processes, identifying areas for improvement and growth opportunities.

Financing Details:

  • Financing Period: Up to 3 months interest-free
  • Administrative Fee: None
  • Amounts:
    • Up to $10,000 to cover consulting, lodging, and transportation costs for Digital Advisors.

A Digital Maturity Analysis is essential for identifying gaps and creating a strategic roadmap for digital success. With financing covering expert consultation and related costs, you can gain actionable insights to enhance your operations, improve competitiveness, and prepare for future innovations—all without upfront financial pressure.

Apply For Digital Maturity Financing

Software Implementation

Providers: DTC Canada, LaCroixsoft, or Melus

Software implementation involves deploying powerful tools like ERP, CRM, or other business systems to optimize operations and improve efficiency. From planning to training, our financing supports every step of the process.

Financing Details:

  • Financing Period: Up to 12 months interest-free
  • Administrative Fee: $200
  • Amounts:
    • Up to $10,000 if your revenue is less than $500k/year
    • Up to $30,000 for revenues between $500k–$1M/year
    • Up to $50,000 for revenues between $1M–$2.5M/year
    • Up to $70,000 for revenues between $2.5M–$5M/year
    • Exception: For companies earning $5M–$10M/year, financing covers up to $70,000, with any remainder charged by the integrator to be paid out of pocket.

This financing ensures you can adopt cutting-edge systems like Odoo, Zoho or Microsoft  without stretching your budget. Our flexible terms let you focus on transforming your business operations, from production planning to financial management, while we take care of the upfront costs.

Apply For ERP/CRM Financing

Software Licenses

Providers: DTC Canada, Melus

Software licenses are essential for enabling your team to fully utilize the capabilities of your new system. However, licensing must be paired with implementation to ensure proper integration and effective use. Innovant’s financing covers both, making adoption smooth and affordable.

Financing Details:

  • Financing Period: Up to 12 months interest-free
  • Administrative Fee: None
  • Amounts:
    • Covers the full cost of obtaining licenses for your employees

Licenses provide your employees with access to critical tools like ERP and CRM systems, enabling them to work efficiently and effectively. Since licensing must be paired with implementation, Innovant ensures that both aspects are financed together. This ensures a seamless deployment of the software, maximizing its potential to drive growth and streamline operations. With no upfront costs or administrative fees for licenses, you can adopt transformative technology without financial strain.

Apply For Licenses Financing

Conditions for Financing

Innovant is a private financing initiative designed to help SMEs implement software solutions that enhance efficiency and competitiveness. Below are the conditions for qualifying for IDAP financing:

Business Performance Requirements

  1. Financial Statements Review: Applicants must provide financial statements for the last two fiscal years to demonstrate business growth or profitability.
  2. Credit Checks: A credit check will be performed on the business and the majority owners to assess financial stability.
  3. Evaluation Focus: The financing evaluation process primarily considers the business’s overall performance, including sales, assets, and financial health.

Priority Criteria

  • Digital Maturity Report:  SMEs with a digital maturity analysis conducted within the last two years by reputable providers, such as Investissement Québec (ESSOR), CDAP, or other approved organizations, will be given priority in the financing process.
  • No Digital Maturity Analysis?:   While not a mandatory requirement, a digital maturity analysis is highly recommended. It significantly increases the likelihood of successful software implementation and Innovant financing eligibility by providing a clear understanding of your business's current capabilities and future needs.
    • DTC Canada offers this service at competitive rates: One-Day Analysis: $1,400 or One-Week Comprehensive Analysis: $3,500, including a detailed digital roadmap to guide your transformation.

Startups and New Businesses

Startups or businesses with no financial statements will be evaluated based on:

  1. The personal credit of the majority owner(s).
  2. The business’s potential, as demonstrated through its business plan, market opportunity, and growth strategy.

Eligibility Criteria

  • Operating in Canada: Your business must currently operate or plan to operate within Canada.
  • Annual Revenue Cap: Businesses with annual gross revenue under $10 million in the application year are eligible.
  • For-Profit Enterprises: Only for-profit businesses are eligible; farms, charities, and religious enterprises are excluded.
  • Asset Usage: The assets financed or improved must be directly used in business operations.

Program Features

The Innovant Digital Adoption Program offers SMEs a practical, interest-free financing model:

  • No Cash Exchange: Approved financing is paid directly to the service provider, simplifying the process for businesses.
  • Fast Approval: Applications are typically processed within 24 hours, allowing SMEs to proceed quickly.
  • Interest-Free Period: Financing is interest-free for up to 12 months.
  • Interest After 12 Months: For financing extending beyond 12 months, an annual interest rate applies, calculated at prime plus market conditions on the remaining balance.
  • Administrative Fees:
    • $100 non-refundable fee for digital maturity analysis financing.
    • $200 administrative fee for software implementation financing.

Why Start with a Digital Maturity Analysis?

A digital maturity report helps assess your current technological and operational readiness, providing a roadmap for successful implementation. SMEs with this analysis are more likely to achieve a seamless transformation and qualify for IDAP financing.

Important Notes

  • Businesses must be registered with REQ or Industry Canada and demonstrate active sales or growth.
  • Approval is not automatic and requires qualification based on the program’s conditions.

Why Choose Innovant?

The Innovant allows SMEs to adopt transformative technologies without the financial strain of traditional loans. With a focus on speed, efficiency, and direct payments to service providers, IDAP ensures you can focus on what matters most—growing your business.

Ready to take the next step? Apply today and start your digital transformation journey with Innovant!

Apply for financing today

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Our Providers and Platforms

Innovant’s financing options are available exclusively for services provided by DTC Canada, Melus, and LaCroixsoft to ensure the highest quality services and solutions. To qualify for financing, applicants must choose or show interest in one of the following software platforms:

We do not finance any other software platforms, ensuring our clients benefit from proven, industry-leading solutions.

Our Partners

We are thrilled to partner with these exceptional organizations!

Want to become a partner?

At Innovant, we’re always looking to expand our network of partners to better serve SMEs. We welcome partnerships with organizations that provide capital, technology integrations, or complementary services that support digital transformation.

If you’re interested in collaborating with us, we’d love to hear from you. Send us an email, and we’ll be happy to connect and discuss how we can work together to empower businesses and drive innovation.

Email us today to explore partnership opportunities!