Find the right loan for your business needs
Get the capital you need
Fund growth, manage day-to-day expenses and act on new opportunities with working capital designed for your business.
- Buy inventory
- Pay suppliers
- Expand into new markets
- Develop new products
Upgrade my business space
Invest in a commercial space that supports your operations with financing and repayment options tailored to your business.
- Buy commercial land or buildings
- Renovate existing premises
- Expand or build new premises
Keep cash flow on track
Access working capital to cover essential expenses, preserve cash flow for daily operations and pursue new opportunities without disrupting your business.
- Pay suppliers on time
- Build up inventory stock
- Cover operating expenses
Buy or takeover a business
Financing helps cover purchase and related costs and ease the transition when taking over an established business.
- Purchase an existing business
- Transfer ownership internally
- Refinance vendor financing
- Fund intangible assets
Invest in smart technology
Get the technology, AI and cybersecurity support you need to streamline operations, reduce costs and stay ahead of the competition.
- Upgrade systems and software
- Adopt AI and automation tools
- Strengthen cybersecurity systems
Grow my tech company
Access the financing to scale your technology company on your terms, so you can hire, build and grow while preserving ownership.
- Build and launch products faster
- Hire talent for growth
- Expand sales and marketing
Between $10K and $100K
For projects or operational needs under $100K. Simple financing with faster approval can help you move quickly.
- Approval in less than 10 days*
- No application fees
- Online application
Between $100K and $350K
For financing needs between $100K and $350K. Flexible terms help create breathing room at the start and throughout your loan.
- Approval in less than 30 days*
- Flexible terms
- Online application
Over $350K
For financing over $350K. Flexible long-term solutions help support major investments and protect your cash flow as you grow.
- Stable and long-term funding
- Built-in flexibility
- Personalized support
*Conditions apply.
Equipment limiting growth?
Outdated or insufficient equipment can slow you down. Finance upgrades to expand capacity and support growth.
- Upgrade equipment or systems
- Automate your production line
Cash flow under pressure?
Higher operating costs can strain cash flow and margins. Get the flexibility to cover expenses and keep your business moving.
- Cover payroll and operating costs
- Manage supplier and input costs
Struggling to keep up digitally?
Staying up to date with technology can be hard. Upgrade your tools and invest in AI and security to improve efficiency and control costs.
- Replace outdated systems
- Automate manual processes
- Protect your data and systems
Big order, tight cash flow?
Don't let cash flow limit growth opportunities. Get the funds you need to fulfill large orders and meet deadlines.
- Buy inventory to fill orders
- Pay suppliers and keep moving
- Manage production and delivery
Launching a business?
Taking your new business to the next level can be a headache. We can help you with financing or connect you with partners who can help.
- Cover operating costs
- Launch marketing efforts
- Build momentum and grow
Assess your readiness
Answer 4 quick questions to get a preliminary assessment. Then you can complete an eligibility check.
This assessment is for information purposes only and does not determine eligibility for financing.
What you need to know before applying
Thinking about a loan? Make sure you and your business meet our minimum requirements.
Canadian-based
Your business is registered in Canada, even if you do business elsewhere.
Earning revenue
Your business has recorded sales.
Good credit
Your personal and business credit are in good standing.
Of legal age
All shareholders are of legal age in their province or territory.
Business bank account
Your business has an account with a financial institution.
Early-stage support
If your business is just starting out or doesn’t have revenue yet, we can connect you with partners who can support you.
Apply online, hassle-free
Easy-to-follow steps, minimal paperwork.
- Check eligibility
Make sure you meet the requirements for the loan you’re applying for. - Tell us about your needs
Describe your project, your business and any shareholders. - Get a tailored solution
If you’re approved, we’ll send you a loan offer based on your financial needs and capabilities.
Why choose BDC?
BDC is the bank of ambitious ideas in Canada. It empowers entrepreneurs with flexible capital, expert advice, and clear vision. It also supports underserved sectors to create lasting impact across the country.
A partner for success
We take the time to get to know you and your business, so we can work together to help you reach your goals.
Beyond interest rates
We offer built-in flexibility, with terms like principal payment holidays and seasonal repayment schedules that match your cash flow patterns, so you have breathing room to grow.
Stable, long-term funding
Our terms and conditions won’t change without due cause so that you can focus on your business, not the bank.
More than money
Success goes beyond your loan. Check out the extra resources available to you.
- Personalized support We pair you with a dedicated advisor who is always just a click, a call or a visit away.
- Tools to grow Access to resources, practical tools, templates, calculators and more to help you run your business.
- Extra expert advice Get strategies to improve your sales, marketing, operations and more with our network of over 500 business consultants across Canada.
Working with and for all Canadian entrepreneurs
Learn about financing and resources available to help your business. BDC and its partners support entrepreneurs from diverse and underserved communities.