Every financial intermediary offer a financing option from CA$300,000 to CA$350,000 instead of the full CA$1.2 million. If you still prefer to make the CA$1.2 million with your own financing there is no problem. You just have to wait to see if the program will reopen in July 2020.
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Can I finance to apply for permanent residency of Quebec?
Is it possible to use mortgages or bank loan to support my investment and permanent residency application for Quebec?
The answer is yes. The Quebec government requires you to show a net worth of CA$2,000,000. How applicants finance their CA$1,200,000 investment after approval is none of their concerns: if you want to borrow money to make your investment, it is not a problem at all.