Starting and financing your business in Saint-Pierre-et-Miquelon

Funder

Collectivité Territoriale de Saint-Pierre-et-Miquelon

Related grant

Chéquier entreprise (ID 12494)

Verification status

Partial review: scheme documented through historical institutional sources; current opening status and regulation to be confirmed.

A start-up scheme to examine before drawing on your own funds

Launching a business often involves consulting costs, administrative structuring, equipment and commercial set-up expenses. In Saint-Pierre-et-Miquelon, the Chéquier entreprise appears in the database as a local grant aimed at newly created businesses. The aim is to direct part of the support towards services and purchases made with local players who are members of the scheme. The exact terms must be confirmed with the Collectivité before placing any order or making any commitment.

What is the amount of the Chéquier entreprise?

The working catalogue indicates a total value of €5,000. It splits this into €3,000 of advisory vouchers, for support from experts, and €2,000 for investment needs on presentation of quotes. Earlier institutional activity reports also describe a scheme of five vouchers worth €1,000 each, but the categories and organisation may have changed since. The amount and breakdown should therefore be treated as information to be reconfirmed, not as a promise of an award in 2026.

What can the support be used for?

According to the database record, the scheme targets business creation and combines professional support with investment expenses justified by quotes. Historical documents mention in particular advisory services and purchases from shops and businesses that are partners of the scheme. The eligible expenses, approved suppliers, invoicing rules and period of use must be requested from the relevant department before selecting providers.

Who can be eligible?

The database mentions newly created businesses in Saint-Pierre-et-Miquelon, with an application to be submitted within six months of creation. It excludes micro-companies and sociétés civiles immobilières (SCI). These criteria come from the catalogue record and must be checked against the regulation currently in force: the definition of the creation date, the eligible legal forms and the precise exclusions may be decisive.

How to prepare your application?

Before submitting a file, prepare a brief description of the business activity, the creation date or the planned timeline, proof of registration, a start-up budget, quotes for the planned investments, and the advisory needs. Ask the Collectivité whether providers must be approved or members, whether expenses can be committed before approval, and which documents are needed to justify the use of the vouchers. Do not make a purchase in anticipation of reimbursement without written confirmation.

Recommended steps

1. Contact the Collectivité's Economic Development department to obtain the current regulation.
2. Confirm that the scheme is open, the available budget and the applicable deadline.
3. Check the business's eligibility and the list of authorised expenses/suppliers.
4. Gather the requested quotes and administrative documents.
5. Wait for formal instructions before committing to any expense.
6. Keep invoices, proof of payment and evidence of use according to the rules communicated.

Can this grant be combined with other funding?

Combination should not be assumed. You should ask whether the Chéquier entreprise can coexist with other start-up grants, loans, exemptions or national funding, and whether certain expenses can only be funded once. In your cash-flow plan, record the grant as conditional funding until a formal decision has been received.

Frequently asked questions

Is the Chéquier entreprise still open in 2026?

The institutional sources consulted describe the scheme at earlier dates, but do not allow its current opening status to be confirmed with certainty. Contact the Collectivité for a dated confirmation.

What amount is indicated in the catalogue?

The database indicates €5,000 in total: €3,000 of advisory vouchers and €2,000 for investment needs on presentation of quotes. This breakdown must be confirmed in the regulation in force.

Can SCIs benefit from it?

The database record states that sociétés civiles immobilières are excluded. Have this rule and the other exclusions confirmed with the processing department.

Must expenses be committed before the application?

Do not assume so. Ask in writing whether prior approval is required and from what date expenses are eligible.

Where can official information be obtained?

The page dedicated to business start-up grants on the Collectivité's website is the entry point to consult. The historical activity reports provide context, but do not replace a current regulation.

Sources and validation limits

Official Collectivité page on business start-up grants; official activity reports 2017, 2018 and 2022. The historical sources confirm the scheme's past existence, not its current opening status. The database's end date is coded "0000-00-00", an unusable value: no closing date should be inferred from it.

Official sources

• Business start-up grants — Collectivité Territoriale de Saint-Pierre-et-Miquelon
• 2022 activity report — Collectivité Territoriale de Saint-Pierre-et-Miquelon
• 2018 activity report (official session 2019) — Collectivité Territoriale de Saint-Pierre-et-Miquelon
• 2017 activity report — Collectivité Territoriale de Saint-Pierre-et-Miquelon