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US, Canada

ACEM Montreal Community Loan Association Financement communautaire responsable



ACEM’s mission is to fight poverty and exclusion through an innovative approach: community credit. ACEM provides accessible credit and technical support to individuals living on a low income and to organizations that do not have access to traditional forms of credit for the start up or expansion of their community or business project.

ACEM targets low income persons living on Montreal Island particularly, single parent women, youth and people from a visible minority, immigrant or cultural community.

Fundamentally, all of ACEM’s work in the community is geared towards capacity building among low income populations on the Island of Montreal. The loans and the technical support we provide are the means used to build this capacity.


Provides direct investment


Agriculture; Arts, Culture, Handicrafts; Civic Participation; Clean and Green Technology; Communications / Media / ICT; Disabilities; Disaster Recovery; Distribution / Supply Chain; Education; Employment, Livelihood, Income Generation; Energy; Enterprise Development, SME; Environment, Climate Change; Fair Trade, Organic Products; Financial Serv./Inclusion, Microfinance; Food and Nutrition; Health; Housing, Shelter, Homelessness; Mobile; Natural Resources / Conservation; Peace and Security; Sanitation, Waste Management; Tech; Training, Technical Assistance Services; Water; Web, SaaS, Online Tech; Women, Girls


  • 3) Prototype/ Pilot
  • 4) Early Customer Traction, Revenue

social vs. financial return preference

  • 2: Mostly Social Return Focused

Types of entities

  • For Profit

providing funding for these regions

  • US, Canada

funding types

  • Debt