Access MicroCredit Gaspésie-Îles-de-la-Madeleine
- Company typePrivate
- Founded2005
- HeadquartersMaria, Canada
- Headcount1–10
- GTM typeB2C
- OfferingServices
Access MicroCredit Gaspésie-Îles-de-la-Madeleine firmographics
Firmographics- Name
- Access MicroCredit Gaspésie-Îles-de-la-Madeleine
- Legal name
- Accès Microcrédit Gaspésie-Îles-de-la-Madeleine
- Website
- https://amcgim.org
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Access MicroCredit Gaspésie-Îles-de-la-Madeleine industry classification
Industry- Product category
- Microfinance Services
- NAICS
- Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industry
- Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)
Keywords
Where Access MicroCredit Gaspésie-Îles-de-la-Madeleine is headquartered
LocationHeadquarters
- HQ city
- Maria
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Access MicroCredit Gaspésie-Îles-de-la-Madeleine business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Microloan interest income: AMCGÎM generates revenue through interest charged on microloans issued to entrepreneurs. Standard loans carry a fixed 7% interest rate; special programs (PACGÎM for social economy) charge 5%; women entrepreneurs' fund charges 7%. Investor loans are repaid at 0–2% interest. The organization is a registered charity and relies on community investment capital.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard microloan up to $20,000 at 7% fixed interest, repayment up to 5 years |
| Transaction based/ take rate | Pay-as-you-go | PACGÎM (Prêt d'action communautaire) - up to $20,000 at 5% interest |
| Transaction based/ take rate | Pay-as-you-go | Women Entrepreneurs Fund - up to $20,000 at 7% interest |
| Transaction based/ take rate | Pay-as-you-go | Desjardins-AMCGÎM Youth Fund (FSEJ) - up to $3,000 loan + up to 25% grant |
| Transaction based/ take rate | Pay-as-you-go | Digital Integration Fund - specialized microloan for technology |
| Subscription | Annual | Investor loans - 0% to 2% interest |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels10 records
Access MicroCredit Gaspésie-Îles-de-la-Madeleine product offering
Product offeringCore offering
Accès Microcrédit Gaspésie-Îles-de-la-Madeleine (AMCGÎM) provides microloans of up to $20,000 at favorable fixed interest rates (typically 7%, or 5% for specialized programs) to entrepreneurs in the Gaspésie and Îles-de-la-Madeleine regions of Quebec, along with free personalized business development support covering business plans, financial forecasting, and funding search. The organization operates a community lending model funded by local investor capital and administered by regional investment committees.
Product overview
Accès Microcrédit Gaspésie-Îles-de-la-Madeleine is a non-profit microcredit organization offering a unified suite of financial and support services for entrepreneurs. The core offering consists of personalized accompaniment (free support at all business stages) and microloans up to $20,000. Specialized products include the PACGÎM community action loan, the Digital Integration Fund, the Desjardins-AMCGÎM Youth Entrepreneurship Fund, and the Women's Entrepreneurs Fund. These products share common features: flexible terms, below-market interest rates, and community-based investment principles ('the community lending to the community').
Differentiator
Problem solved
Functional benefit
Products and services
- Accompagnement personnalisé (Personalized Business Support)
Quantifiable outcome
- 450+ people accompanied since creation in 2005
- +3 more outcomes
Companies that use Access MicroCredit Gaspésie-Îles-de-la-Madeleine
Customer profileNamed customers15 records
Segments6 records
Ideal customer profiles3 records
Access MicroCredit Gaspésie-Îles-de-la-Madeleine technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Access MicroCredit Gaspésie-Îles-de-la-Madeleine partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- MicroEntreprendre NetworkcoreAMCGÎM is a member of the MicroEntreprendre Network, the Quebec-wide leader in entrepreneurial microcredit. The network comprises 17 member organizations across 14 regions of Quebec offering local support and microloans. AMCGÎM participates in annual congresses and collaborative initiatives of the network.
- Carrefours jeunesse-emploi (CJE) de la Gaspésie et des Îles-de-la-MadeleinecoreCJEs collaborate with AMCGÎM to deliver the Desjardins-AMCGÎM Youth Entrepreneurship Fund, providing mandatory youth support services alongside the financing component for entrepreneurs aged 16–20.
- La Ruche Gaspésie-Îles-de-la-MadeleinecorePartnership for the PACGÎM (Prêt d'action communautaire Gaspésie–Îles-de-la-Madeleine) program, combining crowdfunding with AMCGÎM's microcredit to support social economy enterprises with loans up to $20,000 at 5% interest and extended repayment holidays.
- Deputy Catherine BlouinminorListed as an investor/supporter of AMCGÎM's community lending model. Represents the Avignon–Bonaventure electoral district and advocates for the organization.
- Innovation GaspésiecoreCo-organizer with AMCGÎM of the 2nd Regional Meeting of Economic Development Partners in 2026, aimed at strengthening collaboration and sharing practices around business succession and entrepreneurship support.
Scale indicators6 records
Recent moves5 records
Expansion highlights4 records
Access MicroCredit Gaspésie-Îles-de-la-Madeleine competitors and assessment
Company assessmentDirect peers
- Microcrédit Montréal: A Quebec-based nonprofit microcredit organization also offering small loans (typically under $15K) and free accompaniment to entrepreneurs excluded from conventional financing. Direct comparable: same MicroEntreprendre-style model, similar mission, similar loan ceiling structure, just in the Montreal region.
- Community Futures Network of Canada: A national network of ~269 Community Futures Development Corporations (CFDCs) delivering community-based business loans, advisory services, and strategic investments to rural entrepreneurs. Closest analog to AMCGÎM's regional community-led lending model outside Quebec.
- Futurpreneur Canada: A Canadian nonprofit providing financing (up to ~$60K), mentorship, and business resources to young entrepreneurs aged 18–39. Highly comparable in mission and product (startup capital + accompaniment), though it operates federally rather than regionally and targets youth specifically.
- Filaction: A Quebec investment fund specialized in social economy enterprises, cooperatives, and nonprofits, offering loans, equity, and technical assistance. Highly comparable to AMCGÎM's PACGÎM social economy program, though it serves a broader set of mission-driven businesses across Quebec.
Broad incumbents
- Réseau MicroEntreprendre: The Quebec-wide umbrella network of 17 member microcredit organizations across 14 regions. AMCGÎM is itself a member; the network provides shared branding, annual congresses, and provincial advocacy, and is the closest coordinating incumbent to AMCGÎM's local activities.
- Desjardins Group: Quebec's largest cooperative financial group and an active partner/contributor to AMCGÎM (co-funder of the FSEJ Youth Fund). Operates as a broad incumbent offering retail banking, business credit, and microcredit-adjacent products, but at much larger scale and without AMCGÎM's targeted exclusion-focused approach.
- Business Development Bank of Canada (BDC): Canada's federal business development bank providing loans, venture capital, and advisory services to Canadian entrepreneurs, including startups and SMEs. Represents the broader institutional incumbent that AMCGÎM's borrowers graduate into or compete against for financing.
Others
- Opportunity International Canada: A global microfinance organization providing small loans, savings, and training to entrepreneurs in developing countries. Thematically aligned with AMCGÎM's microcredit mission; included as an adjacent ecosystem reference rather than a direct Canadian competitor.
Emerging players
- Momentum: A Calgary-based community economic development organization offering microloans, business advisory, and programs for low-income entrepreneurs, particularly newcomers. Comparable in microcredit-plus-accompanement model and exclusion-focused mission, with partial overlap in product/market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Access MicroCredit Gaspésie-Îles-de-la-Madeleine social profiles
Digital presenceAccess MicroCredit Gaspésie-Îles-de-la-Madeleine financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access MicroCredit Gaspésie-Îles-de-la-Madeleine leadership team
Management profileNumber of profiles
Profiles10 records
Access MicroCredit Gaspésie-Îles-de-la-Madeleine funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access MicroCredit Gaspésie-Îles-de-la-Madeleine M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Access MicroCredit Gaspésie-Îles-de-la-Madeleine
What does Access MicroCredit Gaspésie-Îles-de-la-Madeleine do?
Accès Microcrédit Gaspésie-Îles-de-la-Madeleine (AMCGÎM) provides microloans of up to $20,000 at favorable fixed interest rates (typically 7%, or 5% for specialized programs) to entrepreneurs in the Gaspésie and Îles-de-la-Madeleine regions of Quebec, along with free personalized business development support covering business plans, financial forecasting, and funding search. The organization operates a community lending model funded by local investor capital and administered by regional investment committees.
Is Access MicroCredit Gaspésie-Îles-de-la-Madeleine a public or private company?
Access MicroCredit Gaspésie-Îles-de-la-Madeleine is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Access MicroCredit Gaspésie-Îles-de-la-Madeleine founded?
Access MicroCredit Gaspésie-Îles-de-la-Madeleine was founded in 2005. It employs 1 to 10 people.
Where is Access MicroCredit Gaspésie-Îles-de-la-Madeleine based?
Access MicroCredit Gaspésie-Îles-de-la-Madeleine is headquartered in Maria, Canada, in the North America region.
How does Access MicroCredit Gaspésie-Îles-de-la-Madeleine make money?
One revenue line is on record: microloan interest income.
Who are Access MicroCredit Gaspésie-Îles-de-la-Madeleine's main competitors?
Direct peers on record are Microcrédit Montréal, Community Futures Network of Canada, Futurpreneur Canada and Filaction. Broad incumbents are Réseau MicroEntreprendre, Desjardins Group and Business Development Bank of Canada (BDC). Opportunity International Canada is listed as an others. Momentum is listed as an emerging player.
Does Access MicroCredit Gaspésie-Îles-de-la-Madeleine have an API?
No public API is recorded for Access MicroCredit Gaspésie-Îles-de-la-Madeleine.
What industry is Access MicroCredit Gaspésie-Îles-de-la-Madeleine in?
Access MicroCredit Gaspésie-Îles-de-la-Madeleine's product category is Microfinance Services. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of BPAGABAM, Microfinance, Financial Inclusion & Inclusive Markets. Its NAICS code is 52229 and its SIC code is 6153.