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Source verified August 10, 2026
BDC Capital — Growth & Transition Capital — Working Capital
Customized growth financing without ownership dilution
Latest source updateLast Update: September 28, 2026Latest change: The Business loan information request form now asks when funds would be available, and its step navigation labels were simplified.View change
Latest source update
Last Update: September 28, 2026
Latest change: The Business loan information request form now asks when funds would be available, and its step navigation labels were simplified.
Business loan form wording updated
The Business loan information request form changed the project-funds timing question from asking when funds are needed to asking when the applicant would like funds to be available. The form also relabeled the navigation controls from previous step and next step to previous and next.
Funding available
$ 250,000 - $ 35,000,000
Deadline
Open continuously
Location
Canada
Overview
Customized working capital financing offers financing from $250,000 to $35M for established or high-growth Canadian companies seeking growth capital without diluting ownership. It supports R&D, product and market development, and investments 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
- Maximum amount : 35,000,000 $
- Minimum amount : 250,000 $
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Canadians
- Startups
Next Steps
1
Determine your project
2
Validate your eligibility
Availability timeline
2026
Periods: 1
Activities funded
- Growth initiatives that require working capital.
- R&D.
- Product and market development.
- Investment in intangible assets such as intellectual property and goodwill.
Official resources
Eligibility
Who is eligible?
- Canadian companies in the mid-market or high-revenue segment.
- Established or high-growth firms.
Who is not eligible
- Businesses that have been in operation less than 12 months.
Eligible geographic areas
- Canada.
How to apply
- Apply online.
Processing and Agreement
- One of our representatives will contact you to discuss financing options tailored to your business.
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.
Contacts
Frequently Asked Questions about the BDC Capital — Growth & Transition Capital — Working Capital Program
What is the BDC Capital — Growth & Transition Capital — Working Capital?
Customized working capital financing offers financing from $250,000 to $35M for established or high-growth Canadian companies seeking growth capital without diluting ownership. It supports R&D, product and market development, and investments in intangible assets such as intellectual property and goodwill.
How much funding can be received?
BDC Capital — Growth & Transition Capital — Working Capital Funds up to $35,000,000 of admissible expenses.
What is the deadline to apply?
The program is accepting continuous intake
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 that require working capital.
R&D.
Product and market development.
Investment in intangible assets such as intellectual property and goodwill.
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) or by phone at 1-877-232-2269.
Where is the BDC Capital — Growth & Transition Capital — Working Capital available?
The BDC Capital — Growth & Transition Capital — Working Capital program is available across Canada.