Open
BDC Capital — Growth & Transition Capital — Working Capital
Customized growth financing without ownership dilution
Last Update: June 19, 2026
Funding available
Varies by project
Timeline
- Open Date : June 27, 2022
Location
Canada
Overview
Custom working capital financing to support business growth without diluting ownership. It can fund R&D, product and market development, and investment in intangible assets such as intellectual property and goodwill.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Develop a new product or service
- Complete an acquisition or business transfer
- Conduct research and development activities
Eligible Funding
- Varies by project
Timeline
- Open Date : June 27, 2022
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Startups
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Growth initiatives requiring working capital.
- R&D projects.
- Product and market development.
- Business transfer or acquisition projects.
Documents Needed
- Financial statements or financial reporting information.
- Basic company information, including business type and annual sales.
- Project description explaining how the funds will be used.
- Contact information for the business representative.
Official resources
Eligibility
Who is eligible?
- Canadian companies.
- Mid-market businesses.
- High-revenue businesses.
- Established firms.
- High-growth firms.
Who is not eligible
- Businesses with less than 12 months of operation.
- Businesses without sufficient tangible assets for conventional financing.
Eligible expenses
- R&D costs.
- Product and market development.
- Investment in intellectual property and goodwill.
Eligible geographic areas
- Canada.
Selection criteria
- Business profile and growth potential.
- Strength of management team.
- Quality of financial reporting.
- Project fit with BDC financing solutions.
How to apply
1
Gather required financial and business documentation
- Include financial reports, business plans, tax returns, and any other relevant documents
- Implication: Ensures you have all necessary information to support your application
2
Complete the online application form
- Fill out all required fields accurately and provide detailed information about your business and financing needs
- Implication: Submits your request for Growth & Transition Capital financing
3
Await review and response from the Growth & Transition Capital experts
- Experts will evaluate your application and determine the best financing solution for your business
- Implication: Expect communication regarding approval, terms, and conditions
Processing and Agreement
- Submit the online request form.
- A BDC representative contacts the applicant to discuss financing options.
- The application is reviewed to determine a suitable financing structure.
- If approved, financing is arranged under customized terms and conditions.
Additional information
- BDC may require no shareholder agreement, management rights, or board representation in most cases.
- The financing is designed to help businesses keep ownership control while accessing capital.
- Applicants are contacted by a representative after submitting the online form.
Frequently Asked Questions about the BDC Capital — Growth & Transition Capital — Working Capital Program
What is the BDC Capital — Growth & Transition Capital — Working Capital?
Custom working capital financing to support business growth without diluting ownership. It can fund R&D, product and market development, and investment in intangible assets such as intellectual property and goodwill.
Who is eligible for the BDC Capital — Growth & Transition Capital — Working Capital program?
To be eligible for the BDC Capital — Growth & Transition Capital — Working Capital program, you must:
Established or high-growth business.
Strong management team.
Quality financial reporting.
What expenses are eligible under BDC Capital — Growth & Transition Capital — Working Capital?
Growth initiatives requiring working capital.
R&D projects.
Product and market development.
Business transfer or acquisition projects.
Who can I contact for more information about the BDC Capital — Growth & Transition Capital — Working Capital?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC Capital — Growth & Transition Capital — Working Capital available?
The BDC Capital — Growth & Transition Capital — Working Capital program is available across Canada.
Is the BDC Capital — Growth & Transition Capital — Working Capital a grant, loan, or tax credit?
BDC Capital — Growth & Transition Capital — Working Capital is a Loans and Capital investments
Who are the financial supporters of the BDC Capital — Growth & Transition Capital — Working Capital?
BDC Capital — Growth & Transition Capital — Working Capital is funded by Business Development Bank of Canada (BDC)