Why businesses choose Pivot to Grow
This program provides financing that can help you maintain operations, seize new opportunities, invest in productivity and adapt to a changing business environment while protecting your cash flow.
Maintain operations
Access financing to help manage cash flow pressure and maintain business continuity.
Improve productivity
Finance equipment and investments that allow your business to remain competitive.
Build resilience
Adapt your supply chain, explore new markets and respond to changing trade conditions.
Is your business eligible?
Here are some of the general requirements to get financing under the Pivot to Grow Loan.
| Location | Canadian-based |
|---|---|
| Annual revenue | $1M or more |
| Years in business | 3 years |
| Cash flow | Historically positive |
| Eligible profile | Minimum 15% of sales must be derived from exports to the U.S.²˒³ |
Adapt to the new trading landscape
We know that the present trading landscape can be difficult. We built this offer with entrepreneurs like you in mind. With preferential rates and flexible terms, we can help you pivot your business quickly.
Liquidity to support your cash flow
We stand behind entrepreneurs who navigate the rising costs and market uncertainty with financing that supports day-to-day operations. Plus, if you qualify, you can pay interests only for up to 36 months and take up to 96 months to repay your loan4, including initial principal postponements.
Pivot to reshape your business
Change brings challenges and opportunities. Get financing to strengthen your business, rethink your supply chain and explore new markets, products or industries, with up to 24 months interest-only payments and up to 84 months to repay your loan4, including initial principal postponements.
A resilience plan is mandatory.5 If you need one, our Advisory Services team can help. See our FAQ.
Finance equipment
Boost productivity with equipment financing tailored to your growth plans. Get up to 24 months interest-only payments and up to 168 months to repay your loan, including initial principal postponements.
A resilience plan is mandatory.5 If you need one, our Advisory Services team can help. See our FAQ.
Applying for this loan
Let's build your success together
As Canada’s bank for entrepreneurs, we complement the role of other banks. We take on more risk, offer flexible financing and provide sound advice to help you build a strong, successful and resilient business.
Other solutions to help you manage tariff impacts
Forestry industries
Invest in productivity, strengthen your operations and build resilience with loans between $10M and $25M designed for forestry businesses.
Steel and aluminium
Manage tariff pressures, protect production capacity and strengthen your business with $250,000 to $50M in working capital for steel and aluminium businesses.
Trade Resilience
Build agility and pivot with expert advice, practical strategies and a customized roadmap to navigate trade challenges.
Keep your business running at its best
- Program available until March 31, 2028. The business must have been viable before the implementation of tariffs and must demonstrate negative material impact on their operations and profitability due to U.S. tariffs, related uncertainties or current economic downturn. Each stream of the program is capped at $5 million, for a maximum total of $10 million per support program. Additional conditions apply.
- For the Liquidity Loan, a minimum of 15% of sales must be derived from exports to the U.S. and tariffs are equal to a minimum of 5% of the company's revenue. If the tariffs coming into force on August 19, 2026, are repealed, cancelled, suspended, or otherwise cease to have effect, the Liquidity Support shall automatically terminate on the date of such event.
- For the Pivot to Grow loan and the Equipment loan, a minimum 15% of sales must be derived from exports to the U.S. or revenues must have decreased or costs increased by at least 10% due to U.S. tariff. Businesses must present a plan to adjust to the new environment and have the capacity to execute that plan. The loan must be used to address potential impacts from tariffs, related uncertainties or current economic downturn.
- Take up to 96 months to repay your Liquidity Loan, up to 84 months to repay your Pivot to Grow working capital loan and up to 168 months to repay your Pivot to grow equipment loan, including the initial principal postponements. You can prepay at any time with no penalty.
- To benefit from the Pivot to Grow working capital Loan, you must have an up-to-date plan to reposition operations. If you don’t have one, BDC’s Advisory Services offer Trade Resilience, a consulting solution to help you assess the financial health of your business and implement a plan to regain control.