I can't speak to what is actually happening in Quebec and what rates they are charging. The gap this fund fills is for those who will not be able to borrow from a traditional financial institution because they don't meet the security and credit score requirements.
It absolutely provides an opportunity to entrepreneurs who cannot be funded elsewhere, and I think that's the goal. When this fund was established, it was to provide to those who have great ideas and who have the capacity, but just cannot get funding because they are newcomers, for example, they don't have a history or any other myriad of things that affect women entrepreneurs.