City guide
A data-backed guide for Val-des-Monts owners: population, industries, seasonality, programs and an example.
✓ Checking what you qualify for does not affect your credit score.
If your business operates in Val-des-Monts, QC, you can apply. Funding here is typically a merchant cash advance, a business cash advance or revenue-based financing, sized on deposits rather than collateral. The 2021 Census counted 13,328 people in the municipality of Val-des-Monts, up 15.1% since 2016.
Locally, construction employs the biggest share of private-sector workers (17.3% of the labour force), and that mix is what a funder reads in the bank statements.
Figures from the 2021 Census Profile published by Statistics Canada.
How money arrives decides the product.
Read next: Construction, General contractors, Medical clinics, Dental practices, Retail.
The census labour-force tables show which industries carry Val-des-Monts. The biggest private sectors, against the provincial figures:
| Industry (NAICS) | Val-des-Monts | QC |
|---|---|---|
| Construction | 17.3% | 6.8% |
| Health care and social assistance | 10.8% | 14.2% |
| Retail trade | 9.7% | 11.8% |
| Professional, scientific and technical services | 4.9% | 7.9% |
| Manufacturing | 4.3% | 10.3% |
| Other services, such as repair and personal care | 4.1% | 4.4% |
What stands out is construction: 17.3% of local workers, about 2.5 times the Quebec share. Businesses that sell to, supply or serve that sector make up a large part of the local file mix.
A concrete and foundation company in Val-des-Monts with about $65,000 in monthly deposits takes $29,000 to cover payroll during a slow-paying contract at a 1.24 factor rate, for a total payback of $35,960 over about 8 months. That works out to roughly $1,038 a week, or about 7% of monthly deposits; the cost is fixed at $6,960 however quickly it is repaid on schedule.
For illustration; terms differ by funder. Model it with the MCA calculator.
Trades set much of the local tempo. Progress billing and holdbacks stretch the cash cycle. Cold months shift Val-des-Monts work indoors and pause outdoor projects.
A revenue-linked payment can follow a seasonal curve.
Program money is slow. When a Val-des-Monts owner is waiting on a contribution, a short advance can bridge the gap.
There is no Val-des-Monts storefront. Files from QC are reviewed remotely, the same way as files from anywhere in Canada.
Around $20,000 a month in deposits is where many Canadian files begin. About 12 months in business and few low-balance days help. Scores from 500 are reviewed, and 600 or higher brings better offers. Each funder sets its own lines. Documents are light: application and recent bank statements. Apply online or call (305) 384-8391.
Yes. Owners in Val-des-Monts apply online and are reviewed on the same criteria as the rest of Quebec.
13,328 residents at the 2021 Census, against 11,582 in 2016 (15.1%).
Construction, health care and retail employ the most people; construction stands out against Quebec.
Canada Economic Development for Quebec Regions (CED) covers Val-des-Monts. Its support is project-based and slower than a business cash advance.
No office visit is required. Val-des-Monts applications are handled online and by phone.
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.
