City guide
Census figures, the industries that drive Baie-Saint-Paul, local programs and a worked example in Canadian dollars.
✓ Checking what you qualify for does not affect your credit score.
Baie-Saint-Paul business owners can apply for funding sized on their bank deposits: a merchant cash advance, a business cash advance or revenue-based financing, reviewed from anywhere in Quebec. With 7,371 residents at the 2021 Census and 3.1% change since 2016, Baie-Saint-Paul is a smaller city in Quebec.
The census shows health care as the leading private sector at 22.6% of local jobs, followed by retail and construction.
Data: 2021 Census Profile, Statistics Canada.
Three structures cover most Baie-Saint-Paul requests:
Read next: Medical clinics, Dental practices, Retail, Grocery stores, Construction.
Here is where Baie-Saint-Paul residents work, by private-sector industry, compared with Quebec as a whole:
| Industry (NAICS) | Baie-Saint-Paul | QC |
|---|---|---|
| Health care and social assistance | 22.6% | 14.2% |
| Retail trade | 13.6% | 11.8% |
| Construction | 8.6% | 6.8% |
| Accommodation and food services | 8.3% | 5.4% |
| Manufacturing | 7.4% | 10.3% |
| Other services, such as repair and personal care | 6.3% | 4.4% |
The sector that sets Baie-Saint-Paul apart is farming, forestry and fishing, at 1.8 times its weight across Quebec. That concentration shows up in deposit patterns, from contract payments to seasonal peaks. Health care is also above the provincial share, at 22.6%.
A grain and oilseed farm in Baie-Saint-Paul with about $61,000 in monthly deposits takes $37,000 to cover payroll during a slow-paying contract at a 1.22 factor rate, for a total payback of $45,140 over about 8 months. That works out to roughly $1,303 a week, or about 9% of monthly deposits; the cost is fixed at $8,140 however quickly it is repaid on schedule.
Sample arithmetic; not a quote. Try the Canadian calculators with Baie-Saint-Paul figures.
Large public and health-care employers steady the local economy. Local shops benefit from a stable customer base. Winter in Baie-Saint-Paul raises heating costs and slows site work.
A revenue-linked payment can follow a seasonal curve.
Public and private funding can work together: approved projects in Baie-Saint-Paul sometimes use an advance until the program pays (details).
Our team is not located in Baie-Saint-Paul. Files from QC are reviewed remotely, the same way as files from anywhere in Canada.
Expect a typical starting point of roughly $20,000 in monthly deposits. About 12 months in business and few low-balance days help. A 500 score can work, though 600+ opens more doors. Terms vary by funder and file. Documents are light: application and recent bank statements. Apply online or call (305) 384-8391.
Within reach of Baie-Saint-Paul: La Malbaie (35 km), Montmagny (51 km), Sainte-Brigitte-de-Laval (72 km), L'Ange-Gardien (73 km), Stoneham-et-Tewkesbury (77 km).
More QC towns: Quebec funding guide.
Yes. Baie-Saint-Paul, QC files are reviewed like any Canadian file: deposits, time in business and account health.
7,371 residents at the 2021 Census, against 7,146 in 2016 (3.1%).
Health care, retail and construction employ the most people; farming, forestry and fishing stands out against Quebec.
Canada Economic Development for Quebec Regions (CED). It funds projects; for working capital, private funding moves faster.
No. We work remotely; there is no local office in Baie-Saint-Paul, and none is needed.
Educational information only. It is not legal, tax or accounting advice.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
