BDC

BDC

Commercial Real Estate Loan

Financing to purchase, build or renovate business premises. Initial interest-only payments may defer principal repayment, subject to conditions.

Amortization

Up to 25 years, subject to approval.

Eligibility

Canadian business with at least 24 months generating revenue and a good credit track record.

Initial payments

Interest-only payments for up to 36 months, subject to conditions.

BDC

Equipment Loan

Financing for new or used equipment and associated expenses, with payments tailored to business cash flow.

Repayment

Payments may be matched to the business cash-flow cycle.

Financing scope

Up to 125% of the purchase price, subject to approval and conditions.

Eligibility

Canadian business with at least 12 months generating revenue and a good credit track record.

BDC

BDC Franchise Financing

BDC loans to buy or open a franchise.

BDC

BDC Business Purchase or Transfer Loan

Financing to buy, merge with or take over a Canadian business, including some transaction costs.

Repayment

Flexible, with interest-only payments at the start

Eligibility

Business being bought must be Canadian and generating revenue, with an agreed price and clear structure

Uses

Buying a business, competitor or supplier; management or employee buyouts; family transfers; refinancing seller financing

Additional costs

Can include legal fees, moving costs, goodwill and client lists

BDC

BDC Indigenous Entrepreneur Loan

Financing of up to CAD 350,000 for Indigenous entrepreneurs to grow their businesses.

Maximum amount

CAD 350,000

Eligibility

Indigenous entrepreneurs

Rate

Preferred rates (not published)

Fees

No processing or annual administration fees

BDC

BDC Purchase Order Financing

A loan that pays suppliers directly so a business can fill large customer orders.

Repayment period

Up to 18 months

Payment

Suppliers are paid directly

Eligibility

Business based in Canada, generating revenue for at least 12 months, with a good credit track record

Provinces

Nationwide

BDC

BDC Small Business Loan

An online small business loan from BDC, the federal development bank.

BDC

BDC Technology Equipment Loan

A loan for hardware, software, cybersecurity, digital infrastructure and expert IT advice.

Eligibility

Business based in Canada, generating revenue for at least 12 months, with a good credit track record

Uses

Servers, computers, software, cloud, AI tools, websites, e-commerce, cybersecurity

Professional services

Can cover IT planning, strategy, security and online sales advice

Provinces

Nationwide

BDC

BDC Working Capital Loan

A loan for growth projects such as inventory, supplier payments, new markets and hiring, without using everyday cash.

Eligibility

Business based in Canada, generating revenue for at least 12 months, with a good credit track record

Uses

Inventory, suppliers, new markets, product development, IP protection, marketing, hiring and training

Sustainability projects

Energy efficiency and green retrofit projects eligible

Provinces

Nationwide

BDC

Start-up Financing

Financing for young businesses already operating and generating revenue, not a general pre-launch funding offer.

Uses

Assets, start-up fees, marketing, website development and consulting.

Maximum financing

Up to CAD 150,000, subject to approval.

Eligibility

Based in Canada, at least 12 months in business, generating revenue and a good credit track record.