It's going to be ok - Le FCAMC

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It's going to be ok - Le FCAMC
Annual Report 2019.-2020
                   It's going to be ok.
It's going to be ok - Le FCAMC
Background   In addition to being an engine of innovation and support
                 in the field of entrepreneurship, as well as contributing to
                 the economic and social well being of Quebec for more
                 than 30 years, microcredit is the first step in our province’s
                 chain of solidarity financing mechanisms. Microcredit is
                 the gateway for many entrepreneurs who have little or
                 no access to conventional sources of funding.

                 The Fonds communautaire d’accès au micro-crédit
                 (FCAMC) was established 20 years ago in collaboration
                 with various partners in the Lower Laurentian region.

                 The organization intervenes in a sector neglected by
                 others. It occupies a unique niche that neither overlaps
                 nor duplicates the efforts of other players present in the
                 entrepreneurial ecosystem. It fills a void in the technical
                 and financial support of entrepreneurs who do not have
                 access to conventional sources of funding.

                 Over the years, the FCAMC has developed a strong
                 expertise in the field of entrepreneurship. Indeed, it has
                 become a leading organization in the development of
                 the Lower Laurentian region and, more recently, in the
                 southern part of Lanaudière.

                 The FCAMC serves the entire Lower Laurentian region,
                 specifically the RCMs of Thérèse-De Blainville, Deux-
                 Montagnes and Mirabel. In addition, we are continuing
                 our efforts to develop the southern part of Lanaudière.
                 The FCAMC is proud to offer funding and microcredit
                 services to help launch various businesses.

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It's going to be ok - Le FCAMC
Summary

                         FCAMC      04
              MicroEntreprendre     05
Capitalization + Services offered   06
                         Results    07
                     Partnership    08-09
20th Anniversary of the FCAMC       10
                   Participation    11
         Training + Organization    12
          Information + Partners    13
      Board of Directors + Team     14
           Promoters 2019-2020      15-18

                                            3
It's going to be ok - Le FCAMC
FCAMC

       Message from                    The fiscal year that is coming to an end was that of our 20th anniversary. We
                                       celebrated this event on October 30 last year and took this opportunity to stress the
       the President                   wonderful work done by our teams, our volunteers, our employees, our partners and
                                       the board members. Our entrepreneurs were at the heart of the event. They are the
                                       ones we have been helping these last 20 years. Their success and their growth make
                                       us proud.

                                       These past 20 years, we have extended close to 300 loans totalling more than
                                       $1,250,000. These loans helped create and maintain 585 jobs. These are concrete
                                       results with great economic benefits for us, our community and our organization. Our
                                       capitalization fund has also increased by $70,000 thanks to a substantial donation
                                       from the Canadian Alternative Investment Foundation (CAIF). We thank them warmly
                                       for their help. This sum will help us assist our local entrepreneurs.

                                       I need to stress that 2019 ended dramatically in Quebec with the arrival of COVID-19.
                                       We will stand with our entrepreneurs, to help and assist them during this terrible crisis,
                                       as we have done for the past 20 years. Life is comprised of successes and challenges.
           Ginette Demers              Our role is to help entrepreneurs achieve success and overcome the challenges they
                                       face. In that respect, this crisis gives even further meaning to our action!

       Message from                    This year, during which our entrepreneurs have known great success, ends with an
        the Director                   immense challenge: to help our entrepreneurs successfully navigate the COVID-19
                                       crisis. Our loan repayment policies are sufficiently flexible to help businesses rather
                                       than to put undue pressure on them. Therefore, we were able to help and relieve our
                                       entrepreneurs rather than add additional stress to a difficult situation. Incidentally, it
                                       is during crises like these that our services are the most needed. Business ideas are
                                       popping up all around, and we are to help as we were before the arrival of COVID-19.

                                       Our capitalization, our customized support and our vast experience of entrepreneurship
                                       are enabling the community, as they have been for the past 20 years. More than ever,
                                       we know that our services are essential.

                                       I wish to thank our institutional partners, the members of the Board of Directors and
                                       the Loan Committee, the organization’s donors as well as our task team. Without
                                       their support, the FCAMC’s work would not be possible.
           Mona Beaulieu

                                                           Mission
    The mission of the FCAMC is to help people who don’t have access to conventional sources of funding or whose
    entrepreneurial endeavours are being held back. We fulfil this mission by offering entrepreneurs advice, support and
    guidance and by providing then with funding to launch their business project and create their own job.

    Vision                                                          Values
    The vision of the FCAMC is to be the leader in                  Mutual assistance, equality and solidarity are the
    entrepreneurial microcredit, the motor of social and            foundations of the actions associated with microcredit.
    financial inclusion and economic development, in                We believe in the potential of individuals and believe
    the Lower Laurentian region and the southern part               that everyone should have the opportunity to launch a
    of Lanaudière.                                                  business project, no matter their situation.

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It's going to be ok - Le FCAMC
MicroEntreprendre

Entrepreneurial microcredit is an economic
lever with an important social impact.

Réseau MicroEntreprendre (MicroEntreprendre network) celebrated the National Day of Community Credit last
March 11. In 2009, the National Assembly of Quebec declared March 11 the National Day of Community Credit.
This celebration is an opportunity to draw attention to the importance of microcredit in Quebec, as well as its
economic and social impacts.

The objective of the 12th edition of this celebration, which coincided with the 20th anniversary of the network, was
to promote entrepreneurial microcredit and celebrate its economic impacts as the first link of the entrepreneurial
ecosystem in Quebec. Microcredit, which is a solution aimed at entrepreneurs that don’t have access to conventional
funding systems, is a major contribution to the economic development of Quebec.

Karina Minner and John Kevin Morin, owners of JKM Mécanique Mobile which started in 2012 with the support of
the FCAMC, offered a touching testimony.

JKM Mécanique Mobile offers complete maintenance and repair services for heavy vehicles (trucks, semi trailers,
refrigerated trucks). JKM Mécanique Mobile is on its way to becoming a true leader in the field of mechanical
management for fleets of heavy vehicles. The business has a sales figure of more than two million dollars, owns
several mobile units and provides jobs to over 20 employees. And this is not to mention several other projects that
are in the works.

                “We never could have started the company without the FCAMC.
            You believed in us and in our project and today, we can see the results.”

                          Where many see a risk, MicroEntreprendre,
                          Quebec microcredit, sees human capital.

                                                                                                                       5
Capitalization + services offered
                               Investing locally pays off!

     ‘‘   We thank all
       the investors and
                               Microcredit is funded by socially responsible investments
                               from sources in the community and the private sector. Our
                               capitalization fund, composed of investments and donations
                               from the local community, enables the creation of quality
                               sustainable jobs and helps fight against social and financial
      donors who support       exclusion.
         us in our work        We extend heartfelt thanks to all the investors and donors who
      and have helped us       support us in our work and have helped us accomplish our
                               mission.
          accomplish    ‘‘
          our mission.

                               A few benefits of giving
                               or subscribing to the FCAMC:

                               ■ Supporting our mission
                               ■ Financing business projects and fostering job
                                 creation in our community
     Our capitalization fund   ■ Making an ethical and responsible investment
      currently amounts        ■ Getting a tax deduction (we have a registered
         to more than            charity number)

     $ 507,000
                               Services offered:
                               ■ Provide local support to our entrepreneurs
                               ■ Validate business projects
                               ■ Help draft business plans
                               ■ Provide funding in the form of microcredit
                               ■ Provide adequate post financing follow up
                               ■ Enable the development of entrepreneurial skills
                               ■ Organize activities to promote networking
                                 and overcome isolation

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Results

The FCAMC helps people who have little or no access to conventional sources of funding to take their place in
our society and to achieve financial independence.

The loans granted by the FCAMC are often the first step of funding which enables the promoters to obtain funds
from other partners. Without this initial injection of funds, many entrepreneurial projects would never see the
light of day.

The FCAMC is characterized by its accompaniment and technical support services in addition to its loans.
This approach instills a relationship of trust with the entrepreneurs and fosters favourable conditions for loan
repayment and commercial success.

                                  For fiscal year 2019-2020

    28                  1 450                      20                      66                  94%
 Number of               Hours of               Number of            Number of jobs            Repayment
   loans             accompaniment,             businesses            created and                 rate
  granted              support and             created and            maintained
                        follow-ups             maintained                (with and
                                                                       without loans)

                              Summary of the past 20 years

          $ 1 ,250,000                           585                               288
                in loans                       jobs created                         loans
                                            and maintained                          granted
                                              since 1999

               More                                                              57 %
               than                             19%                               of loans
                                                                                 granted to
                                             of new clients
             1 million                         that aren’t                         young
                                             francophones                      entrepreneurs
             of loans                                                           (35 years old
                                                                                   or less)

                                                                                                                   7
Partnerships

                                                   This partnership allows entrepreneurs to:
                                                   · obtain personalized accompaniment and technical support
                                                   · obtain loans to get their business project off the ground
    Desjardins Microcredit                         · contribute to the creation of sustainable jobs and the
                                                     development of a supportive community
    to Businesses

    The Desjardins Microcredit to Businesses       Participating Caisses Desjardins:
    program is a part of Desjardins’s solidarity   · Caisse Desjardins Thérèse-De Blainville
    based family of products.                      · Caisse Desjardins du Lac des Deux-Montagnes
                                                   · Caisse populaire Desjardins de Mirabel
                                                   · Caisse Desjardins de l’Envolée
                                                   · Caisse Desjardins de Saint-Eustache–Deux-Montagnes

                                                   The FCAMC continues to provide services to the English
                                                   speaking community of the Lower Laurentian region thanks to
                                                   the financial contribution of the EDA. This agreement allows us
                                                   to offer microcredit services to the English speaking community
                                                   of the area. Potential entrepreneurs as well as established
                                                   entrepreneurs use our support and financing services in order to
    Economic                                       launch or develop their business. In addition, English language
                                                   training is offered to entrepreneurs with the goal of developing
    Development Agency                             their entrepreneurial potential or their business project. English
                                                   speaking entrepreneurs are therefore better equipped to
    of Canada                                      participate more actively in the economic growth of their
                                                   community.

                                                   For the past several years, the FCAMC has acted as the local partner
                                                   of Futurpreneur Canada which offers loans to young entrepreneurs
                                                   (18 to 39 years of age) to help them create profitable businesses and
                                                   contribute to the economic development of our communities.

                                                   The FCAMC forwards our region’s business cases to its partner.
                                                   With this process, young entrepreneurs can qualify for loans of up
                                                   to $20,000 in order to finance the launch of a new business. The
                                                   Futurpreneur Canada promoters are also eligible to a $40,000 loan
                                                   from the BDC.

                                                   The FCAMC thanks its partner Futurpreneur Canada which, as do
    Futurpreneur Canada                            we, fuels the passions of our young entrepreneurs, for its support and
                                                   its financial contribution to our networking activities.

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Partnerships

 Thérèse-De Blainville                                    Deux-Montagnes
 RCM                                                      RCM
 Within the framework of the action priorities of the     Within the framework of the priorities of
 Thérèse-De Blainville RCM, a three year agreement        the Territories Development Fund (Fonds de
 has been concluded between the RCM and the               développement des territoires), the Deux-
 FCAMC. In essence, this agreement helps provide          Montagnes RCM has signed an agreement with the
 microcredit services to entrepreneurs setting up         FCAMC for the collective enrichment of the RCM
 within the territory of the RCM. This is an excellent    by promoting and supporting entrepreneurship
 initiative that helps us better support entrepreneurs    and businesses. The FCAMC will offer microcredit
 and grant more loans. This great collaboration           services, including loans, to entrepreneurs of
 continues!                                               the Deux-Montagnes RCM wishing to launch a
                                                          business. This is an excellent initiative to support
                                                          the promoters with the territory. This collaboration
                                                          strengthens the already solid ties between the
                                                          FCAMC and the Deux-Montagnes RCM.

Chamber of Commerce                                      Mirabel
and Industry of the                                      économique
Deux-Montagnes RCM (CCI2M)
Since 2018, the FCAMC offers a training service          For many years now, the FCAMC has collaborated with
under the “Choisis toi, choisis les affaires!” (choose
yourself, choose business) program provided by           local partners to promote economic development.
CCI2M. The goal of the program is to teach various       Mirabel économique is the economic development
concepts and the art of preparing a business plan        department of the City of Mirabel. The FCAMC thanks
to those who wish to start a business. The program       its partner Mirabel économique for its involvement
also proposes one on one meetings and follow             in the loan committee, its support and its financial
up meetings. This partnership has much to offer          contribution to the networking activities organized by
new promoters of the Deux-Montagnes RCM. The             the FCAMC.
FCAMC thanks its partner CCI2M for its support, its
financial contribution and its involvement within the
loan committee.

      We thank our partners that believe in the FCAMC’s mission for their support
                and their financial contribution. They have made the
                    networking activities of the FCAMC possible.

                                                                                                                  9
20 th anniversary of the FCAMC

                   Twenty years of success
     The Fonds communautaire d’accès au micro crédit (FCAMC) celebrated its 20th anniversary last October 30th. This
     event, presented as a cocktail dinner, was held at the Centre de formation des Nouvelles-Technologies in Sainte-Thérèse
     in the presence of partners, donors and investors, as well as the entrepreneurs that were supported by the FCAMC.

     We celebrated more than 288 women and men who had the courage to launch their business projects by requesting
     a loan from the FCAMC. More than a hundred of them are still in business 20 years later. We organized this event to
     reconnect, to thank them for daring to follow the entrepreneurial path and to have put their trust in us.

     Many were surprised when we showed nine videos created by Holos Cinétique, one of FCAMC’s promoters, sharing the
     stories of these men and women, their trials and tribulations, their perseverance and finally, their commercial success.

     It is with great emotion that these entrepreneurs explained how the services offered, including the funding provided by
     the FCAMC and the team’s support, had made a difference in their lives and that without the trust we placed in them,
     they couldn’t have achieved success. The promoters were able, in a few words, to describe what our organization had
     meant to them.

                                                                                                Bless’ED PIXEL
                                                                                                Ewhyn Debrosse
               The trust they
              provide! It’s the
                 first step!
                                                                            It’s incredibly
                                                                                helpful!
     Bac Lavé                                     It’s a family!
     Véronique Gagnon
                                                                                                    It’s their support!
                                                                                                    It’s the first step!
                                                  Forme Active
                                                 Émilie Derganc

                                                                                                JKM Mécanique Mobile
       Buzzz! Marketing                                                                                Karina Minner
       Aline Vanthuyne                                                                              John-Kevin Morin
                              They are a                                It’s their support!
                              wonderful
                               business
                               partner!

                                                                        Coiffure Ô Douceur
                                                                         Stéphanie Petit

                                                                                                      It’s a family!
                                                   It’s caring!
           It’s their      Le Crux                                 Chocolaterie Mathilde Fays                      WhatSUP
           support!        Jonathan Poitras                        Mathilde Fays                             Jany Tousignant

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Participation
Je me lance 2M.com                    Desjardins AGA                       Economic          Development
April 2019                            April 2019                           workshop
                                                                           Kanesatake - May 2019

The FCAMC participated in the         At the Annual General Assembly       The FCAMC attended both days of a
                                      of the Caisse Desjardins de          workshop dedicated to Indigenous
launch of the new digital desktop
                                      Thérèse-De Blainville, the FCAMC     entrepreneurship organized by
for entrepreneurship of the Deux-                                          Kanesatake Economic & Business
Montagnes RCM: jemelance2m.com.       had a presentation table as a
                                      partner of the institution. The      Development. Partners and Indi-
At this “Entrepreneurial morning”,                                         genous entrepreneurs hoping to
                                      Chocolaterie Mathilde Fays, one
more than 75 participants learned     of the businesses that benefited     launch a business participated
more about the services provided      from our support and financing       in various workshops on several
by the FCAMC when they stopped        and participated in Desjardins’s     subjects such as Indigenous
by the FCAMC’s information table.     program attended the event.          entrepreneurship for women and
Serge Beauchemin and four other                                            many others.
entrepreneurs from the region offe-
red testimonials.

     Networking morning                                    Pow Wow
     for the Fières entrepreneures                         Kanesatake - August 2019
     (proud women entrepreneurs)
                                                           At Kanesatake’s 2019 Pow-Wow, the FCAMC
     CCI2M - May 2019                                      shared a booth with Kanesatake Economic
                                                           & Business Development. The participants
     During a morning networking activity
                                                           had the opportunity to learn more about
     held last May, the FCAMC provided its
                                                           the services offered by the FCAMC and were
     accompaniment and funding services
                                                           able to register for the training sessions held
     to 16 female entrepreneurs of the region
                                                           in Kanesatake last fall.
     participating in the program “Fière Entre-
     preneure” organized by the CCI2M.

                                                                                                               11
Training

     Choisis-toi,                           Building your                            Partir en affaires,
     choisis     les  affaires!             business plan                            c’est toute une affaire!
     (choose yourself, choose               Kanesatake                               (starting a business
     business)                              October-November 2019                    is no small matter)
     April-March 2019-2020                                                           La Porte de l’Emploi
                                                                                     October 2019

                                                                                     La Porte de l’Emploi presented
                                                                                     a workshop on the challenges of
                                                                                     entrepreneurship and the steps
                                                                                     required to prepare a solid business
                                                                                     plan to the first group participating
     Seventeen young adults of the          Last October, the FCAMC offered          in Lise Watier’s “S’entreprendre”
     second and third groups taking         a training session comprised of six      program aimed at women wish-
                                            workshops to future entrepreneurs        ing to start a business. At this
     the program “Choisis-toi, choisis
                                            in the Indigenous community. The         workshop, the FCAMC presented
     les affaires!” received 26 weeks of    goal was to help them prepare            the challenges of entrepreneurship
     training on entrepreneurship orga-     their business plan and help them        and the steps required to prepare a
     nized by the CCI2M. The FCAMC,         launch a business or develop a           solid business plan.
     a partner of the CCI2M, provided       future entrepreneurial project. These
     intensive instruction on the prepa-    workshops were held in Kanesatake
     ration of a business plan and gui-     and given in English.
     ded the participants through this
     entrepreneurial adventure.

     Organization

     FCAMC’s golf tournament                Karting                                  Christmas
     July 2019                              September 2019                           December 2019
     Golf   tournament             and      Join the Winning Team                    Christmas dinner
     networking activity
                                            As is the case every year, our karting   The FCAMC organized a networking
     More than ever, our promoters and      activity provided our entrepreneurs      activity for the holiday season. The
     partners consider that our annual      and partners with an opportunity         supper brought together promoters,
     9 hole golf tournament is an event     to face challenges and enabled           partners and business people from
     that is not to be missed. This event   them to work as teams and surpass        the Lower Laurentian region. We
     was held in July 2019. Our activity    themselves on the famous Icar            will be presenting this activity again
     was aimed at golfers of all levels,    Mirabel race track. We had a record      in 2020 because it is as popular as
     beginners, intermediates and ex-       number of participants on this           ever, year after year.
     perts, and was a great business        beautiful fall day of 2019.
     opportunity held at the Glendale
     golf club on Montreal’s North Shore.

                            We thank all our partners for their contribution!

12
Information

                                                                                                                                                                                          SOCIAL
WEB JOURNAL                   year — No 30 – 10 pages
                                                                                                                    Free
                                                                                                                                                                                          MEDIA
December 2019 – 10
                         th

Twenty years of succes
                      s for                                                    the FCAMC!
                                                       Since it first started its
                                                                                  activities, the FCAMC
                                                                                                            has
                                                                                                                                    WEB JOURNAL,
                                                                                                                                    A 30th edition
                                                                                a total of $1,250,000. These
                                                       granted 288 loans for
                                                                                   maintained 585 jobs. The
                                                       loans have created and
                                                                                  support, before and after
                                                       FCAMC provides local                          ensure  the
                                                                                    es, in order to
                                                        the launch of the business es supported.

                                                                                                                                    completed
                                                        sustainability of the business

                                                         During  the  course   of this event, the promote
                                                                                        were at centre stage.
                                                         supported by the FCAMC a dozen businesses
                                                                                                               rs
                                                                                                                                                                                        Follow us on
                                                                                                                                                                                        social media!
                                                         Video capsules featuring d to the public. With
                                                         were filmed and presente           neurs  talked  about
                                                                                  entrepre
                                                         great emotion, many                           , and how
                                d’accès au micro-                          in the world of business
 The Fonds communautaire                          last their first steps                                    been
                         ed its 20th anniversary                              adventure might not have
 crédit (FCAMC) celebrat presented as a cocktail their magnificent                    of the FCAMC.
 October 30th. This event,
 dinner, was held at the
 Nouvelles-Technologies
                          Centre de formation des
                          in  Sainte-T
                                and
                                      hérèse
                                    investor
                                               in  the
                                            s, as well
                                                          possible without the help
                                                                                                                                    The 30th edition of our                            The FCAMC has been
                      , donors

                                                                                                                                    bilingual Web journal has
  presence of partners
                             were supported by the
  as the entrepreneurs that
  FCAMC.
                                                                                                                                                                                       very active on various
                                                                                                                                    been completed and put
                                                                            Christmas Supper
   Last December 10th,
                              the team of the Fonds
                               au micro-crédit invited
                                                        its                                                                                                                           social media platforms
                                                                                                                                    online. It is full of information
   communautaire d’accès
                                to gather at the VINNIE
   promoters and partners
                                                                                                                                                                                       like Facebook, Twitter
                                                         le
                             Boisbriand for an enjoyab
   GAMBINI restaurant in                   rs and partners
                    mately  fifty promote
   dinner. Approxi
                                  ing activity to celebrate
    participated in this network was an opportunity to
    Christmas 2019-2020.
                             This
                                                                                                                                    on our organization.                                  and LinkedIn. This
                                                                                                            NETWORKING

                                                  celebrat e
                              that bind us and
    strengthen the bonds            ents of the past year.
    the successes and achievem
                                                                                                              ACTIVITY

    Each year we realize
    there is in our territory
                              how much business talent
                             . We, as well as our financial
                                 are extremely proud to
                                                                                                                                                                                         enabled us to share
    partners and our donors,

                                                                                                                                                                                         information on our
                                  ic development of our
    participate in the econom
     region.
                            and the team of the FCAMC
     The Board of Directors
     wish to congratulate you
                                and offer you their best
                                    We invite you to take
     wishes for the holiday season.your batteries in order
                                                                                                                                                                                         promoters and our
     this opportunity to recharge
     to embark   on a new year of success and excellence.
                                                                                                                                                                                            environment.
                                                                                                           Y..............8-9
                                                                  G .........2-3      NETWORKING ACTIVIT
                                     MENTORING AND TRAININ                                                       ..............10
                                                                                      BEST WISHES TO ALL........

         To rea d!
                                                        ........................4-5
                                     NEW PROMOTORS.....
                                                      RSARY.............6-7
                                     FCAMC 20 ANNIVE
                                             TH

Partners
4 Korners
Business Development Bank of Canada                                                                                                                  Economic Development Agency of Canada
Benoit Charrette, MNA for Deux-Montagnes                                                                                                             Développement économique MRC de Deux-Montagnes
Caisse Desjardins de l’Envolée                                                                                                                       Emploi-Québec
Caisse Desjardins de Saint-Eustache-Deux-Montagnes                                                                                                   Femmessor Laurentides
Caisse Desjardins du Lac des Deux-Montagnes                                                                                                          Futurpreneur Canada
Caisse Desjardins Thérèse-De Blainville                                                                                                              Ethical Investment Group
Caisse populaire Desjardins de Mirabel                                                                                                               Immeubles Hillman
Canadian Alternative Investment Foundation (CAIF)                                                                                                    JKM Mécanique Mobile
CJE Deux-Montagnes                                                                                                                                   Mario Laframboise, MNA for Blainville
CJE Mirabel                                                                                                                                          Mathieu Lemay, MNA for Masson
CJE Thérèse-De Blainville                                                                                                                            Ministère de l’Économie, de la Science et de l’Innovation
CEDEC                                                                                                                                                Mirabel Économique
Chamber of Commerce and Industry of Mirabel                                                                                                          Thérèse-De Blainville RCM
Chamber of Commerce and Industry                                                                                                                     MRC Deux-Montagnes
of the Deux-Montagnes RCM                                                                                                                            Rakabot
Chamber of Commerce and Industry                                                                                                                     Service Canada
of Thérèse-De Blainville
                                                                                                                                                     Service GoExport Inc.
CIBLE-EMPLOI
Coopérative de solidarité des entreprises d’économie
sociale des Laurentides (CSEESL)

                                                                                                                                                                                                                 13
Board of directors
                                       Vice-president                  Treasurer               Secretary

                                                                                                                 Loan
         President

                                                                                                               Committee
                                       François Mercier             Patrick Roberge      Sébastien Lassonde     2019.2020
                                          Director                      Director                Director
                                                                                                                  Claude Grenier
                                                                                                                 François Mercier
                                                                                                                 Ginette Demers
      Ginette Demers                                                                                               Jim Colmer
                                                                                                                 Johanne Tessier
                                                                                                                Marie-Pier Couture

                                       Mélanie Laroche               Mathieu Roy            Louis-Philippe
                                                                                              Bourgeois

     Our actions, yesterday, today and tomorrow, are only possible thanks to the constant mobilization of the strong
     human capital at our disposal. Our sincere thanks go out to the administrators and the members of the Loan
     Committee that work on a voluntary basis as experts on microcredit. Their involvement and their dedication are
     crucial to our actions. Our success is their success! It is a privilege to work at their side.

     Team                                                                                                      Mona Beaulieu

              Executive                              Business                         Entrepreneurship         Project manager
                                                     Development                      Advisor
              Director                               Coordinator

              Mona Beaulieu                          Danyelle Roy                     Julia Travassos
              monabeaulieu@
                                                                                                               Karine Michaud Tessier
                                                     droy@                            fcamc@
              fondsmicrocredit.qc.ca                                                                           fcamc1@outlook.com
                                                     fondsmicrocredit.qc.ca           fondsmicrocredit.qc.ca

                                                                        FCAMC
     Contact Information                                                96, rue Turgeon, bur. 200, Sainte-Thérèse QC J7E 3H9
                                                                        450 818-4830 | info@fondsmicrodredit.qc.ca
                                                                        fondsmicrodredit.qc.ca

14
2019.-2020
             It's going to be ok.

Promoters
Promoters 2019.2020

                      HOLOS CINÉTIQUE BLAINVILLE
                      ALEXANDRE LOYER
                      An innovative multimedia production company!
                      Holos Cinétique is a company that offers innovative multimedia production
                      services supported by cutting edge technologies, marketing strategies and
                      a signature that mobilize their clients’ target audience. The company has a
                      dominant market position in the field of video and 360 degree photo production.

                      ÉLÉMENT BEAUTÉ MIRABEL
                      MIRENCE MÉLISSA JOMPHE
                      For a vast array of beauty treatments!
                      lément Beauté offers cosmetic care services such as facials, hair removal,
                      manicures, pedicures, application of eyelashes and nails and foot care. The
                      entrepreneur also offers a new service called “microneedling”, a semi invasive
                      treatment aimed at resolving a vast array of skin problems.

                      LA TRICHE ST-EUSTACHE
                      YAN ROBITAILLE
                      An increasingly popular hobby!
                      La Triche offers fans of parlour games, families and people interested in the hobby
                      a welcoming environment where they can gather to play and discover more than
                      450 games of all sorts. Activities for all ages are organized in a family atmosphere.
                      A restaurant service that is both varied and complete is also provided.

                      NAVOLAWAX MIRABEL
                      DANIELLA YABA
                      Products inspired by Africa!
                      Navolawax manufactures modern bags and jewelry inspired by African culture.
                      The bags are hand made from African oilcloth commonly called “Wax”, as well as
                      other materials such as leather, kente cloth and batik fabric from Ghana. Part of
                      the profits are donated to community organizations in Africa.

                      YOOBENS BAGELS MASCOUCHE
                      YOOBENS JOSEPH
                      For fresh products every day!
                      Yoobens Bagels makes artisanal baked products like bagels, prepared and cooked
                      on site in a wood fired oven. It also offers its customers organic food products and
                      products that are freshly baked every day.

                      SUPER SUPER STE-THÉRÈSE
                      STÉPHAN DOE
                      A culinary solution for all!
                      Super Super produces and distributes culinary solutions consisting of products
                      that make preparing meals simpler and quicker. Super Super is also a platform,
                      a community aimed at sharing and making gastronomy evolve. You will spend
                      time in the field and in the kitchen and you will have privileged access to culinary
                      creators that are both credible and inspiring.

                      BALANCE PRÉCISION POINTE-CALUMET
                      MATHIEU LATOUR/NICOLAS LATOUR
                      Optimize your weighing system!
                      Balance Précision designs and optimizes weighing systems. The company offers
                      a technical service and consultations for industrial scales, laboratories and the
                      commercial sector, for all types of companies. The entrepreneurs also provide a
                      technical support service, periodic maintenance and calibration of scales.

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Promoters 2019.2020

                 BÉCIK JAUNE STE-BÉATRIX
                 PIERRE VACHON
                 An ecological project of self serve bicycles!
                 Bécik Jaune is a non profit organization whose mission is to help people that
                 run the risk of being marginalized by offering them work repairing bicycles in a
                 specialized workshop. These people develop skills on the organization of team
                 work and customer service while contributing directly to an ecological project
                 in active transportation. The company’s main goal is the setting up of self serve
                 bicycles.

                 JORTECH CONSTRUCTIONS INC. BLAINVILLE
                 JORDAN LEPAGE
                 An eco friendly trend in construction and in renovation
                 Jortech Constructions Inc. is a construction and renovation company in the residential
                 sector. The company encourages owners to become eco concerned citizens by
                 launching construction and renovation projects that will have a positive impact on
                 energy consumption and the environment. In addition, we offer a design service that
                 is not available from most of our competitors.

                 NORDIK CAFÉ BLAINVILLE
                 PIERRE-LUC JUTEAU CARRIÈRE
                 Local and regional products!
                 Nordik Café offers a new concept of fair trade coffee and fine dining which is
                 both dynamic and fresh. The business offers seasonal products, encourages local
                 suppliers and promotes regional products. Much more than a restaurant, the
                 establishment offers a take out counter for home consumption, including freshly
                 baked products.

                 BLOGDASH STE-THÉRÈSE
                 CRISTINA GOMEZ/ANA MARIA DE LA CRUZ
                 A Web platform for bloggers!
                 By way of its Web platform, Blogdash offers large scale content marketing to
                 companies. This Web platform brings together many bloggers that wish to generate
                 content and put it in their blogs. This form of marketing strategy is very widespread
                 for promoters that wish to make themselves known by using a set of functions that is
                 also a turnkey solution.

                 DISTINCTION TERREBONNE
                 RACHEL JEAN-JACQUES
                 For specialized and delicate lingerie!
                 Distinction is a lingerie manufacturer for women that have a small waistline and larger
                 cup sizes. Distinction offers them high quality lingerie that is delicate and sophisticated
                 and matches their body shape. Their underwear is also very comfortable. Products
                 sold include bra and panty sets, bralettes, babydolls (teddies), kimonos and sleepwear.

                 LA PÂTISSERIE DU VIEUX FOU LAVALTRIE
                 MARTIN ROY
                 Dreamy pastries!
                 La Pâtisserie du vieux fou prepares pastries according to themes selected by
                 the customer. These delicious treats are amusing and inspiring. In addition, the
                 promoter that has a vast expertise in the field offers pastry, baking and artisanal
                 cooking workshops. He can also help businesses design pastry products.

                 ATRIA SWIMWEAR MIRABEL
                 ASHLEY JADE LUSSIER
                 Practical swimwear solutions!
                 Atria Swimwear designs and distributes practical and quality bathing suits for all
                 types of silhouettes. Part of its collection includes waterproof pockets, a clever
                 solution to protect various items from water damage. Reversible swimwear is also
                 available. Products are distributed online through the business’s Web site.

                                                                                                          17
Promoters 2019.2020

                       BUYER FOLIO BOIS-DES-FILLION
                       EDOUARD ROMEUS/LOUDVIKA DUVALSAINT
                       Tool to facilitate the acquisition of real estate!
                       Buyer Folio offers consumers an online Web platform that facilitates the
                       acquisition of real estate. This platform serves as a link between buyers and real
                       estate agents in addition to being a tool that facilitates the preparation and
                       drafting of real estate contracts. Buyer Folio’s mission is to support buyers during
                       the acquisition process.

                       ACROPOLYS BLAINVILLE
                       YOURI DOMINIQUE
                       An innovation that facilitates the emergence of new artists!
                       Acropolys offers the public a musical cocreation Web platform that includes a
                       voting system. This technological innovation aims at facilitating the emergence
                       of new artists and democratizing the music industry by empowering consumers.
                       Generally speaking, involving the customer in the design of a product is a prevailing
                       trend and this technology is accelerating this trend.

                       LE CRUX LAVAL
                       JONATHAN POITRAS/MIGUEL OUIMET/JEAN-FRANÇOIS MARTIN CARRIER/PATRICK LABELLE
                       Boulder climbing centre!
                       Le Crux Boisbriand is opening a second boulder climbing centre in Laval in addition to a
                       general purpose training and fitness space in a customized environment. Le Crux Laval
                       is also a boulder climbing centre based on the “BLOCK” concept. Climbing is part of the
                       DNA of the owners who have been passionate about the sport since they learned to
                       walk. This being said, the reason this sport is so popular across the globe is quite obvious,
                       and this is why it can now be practised in Laval.

                       LES EMBALLÉES BOISBRIAND
                       SOPHIE PATRIE/VALÉRIE DESROSIERS
                       Making marketing accessible!
                       Les Emballées has developed a service desk concept offering virtual marketing
                       services that evolve according to the requests and needs of entrepreneurs
                       or established businesses. The entrepreneurs wish to involve several players in
                       the realm of marketing within the structure of the organization in a virtual and
                       autonomous form. Their mission is to render the marketing function accessible.

                       FINANCEMENT 360 INC. ST-EUSTACHE
                       NABIL KAMEL/FRANÇOIS MATTE
                       An online platform for the sale and financing of automobiles!
                       Financement 360 Inc. offers online car financing services to individuals that have trouble
                       getting a loan. The company uses Dealertrack, a software platform, to interface with
                       different creditors. Most customers shop through the Web and the social networks, and
                       their over indebtedness unfortunately limits their buying capacity. The business offers
                       automotive sales, financing, mechanical warranty, replacement insurance and credit
                       insurance.

                       SUPER ERIC INC. ST-EUSTACHE
                       ÉRIC LANOUETTE
                       Installation and maintenance of electronic devices!
                       Super Eric Inc. installs and maintains commercial electronic devices, including
                       LED display panels, television sets, sound systems, networking units, and much
                       more. The business offers the installation of electronic devices, the repair and
                       maintenance of LED displays, the sale of interior and exterior LED panels. The
                       promoter will soon start selling interior and exterior interactive terminals.

         Where many see a risk, we sees human capital.

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