Closed
Source verified July 10, 2026
BDC — Canada Digital Adoption Program (CDAP) Loan
Digital adoption support for SMEs
Funding available
$ 25,000 - $ 100,000
Deadline
March 27, 2026
Opened September 8, 2022
Location
Canada
Who can apply
Small and medium-sized enterprises (SMEs) with a valid, signed grant agreement to the CDAP Boost Your Business Technology stream before February 19, 2024
See full eligibility
Overview
Canada Digital Adoption Program (CDAP) supports small and medium-sized enterprises in Canada with a grant for digital planning and a 0% loan of up to $100,000. It funds advisory services to build a digital adoption plan and help implement the approved recommendations from that plan.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase performance through digital transformation
- Develop team skills
- Increase operational productivity
Eligible Funding
- Maximum amount : 100,000 $
- Minimum amount : 25,000 $
- Up to 90% of project cost
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Canada
Legal structures
- For-profit business
Annual revenue
- $ 500,000 minimum revenue
Organisation size
- All organization sizes
Audience
- All groups
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Building a digital adoption plan
- Implementing the recommendations from a digital adoption plan recognized by the CDAP Boost Your Business Technology stream
Official resources
Eligibility
Who is eligible?
- Small and medium-sized enterprises (SMEs) with a valid, signed grant agreement to the CDAP Boost Your Business Technology stream before February 19, 2024
Who is not eligible
- Businesses that did not have a valid, signed grant agreement before February 19, 2024.
- Businesses that had not completed their application and signed a grant agreement before the closing date.
- Businesses with expired grant agreements.
- Businesses that exceed the 6-month timeframe after their Digital Adoption Plan is approved by ISED to complete the BDC loan application.
Eligible expenses
- Eligible costs of the advisory service used to build the digital adoption plan
How to apply
- Once your digital adoption plan has been reviewed and approved by CDAP, log in to the CDAP portal to access BDC’s 0% financing form.
- Complete your BDC loan application within 6 months of your Digital Adoption Plan being approved by ISED.
Processing and Agreement
- Once your digital adoption plan has been reviewed and approved by CDAP, log in to the CDAP portal to access BDC’s 0% financing form.
- After your digital plan and invoices have been submitted, you should be eligible to apply for the ISED grant and the BDC 0% loan offer.
- You have 6 months from the time your Digital Adoption Plan is approved by ISED to complete your loan application with BDC.
Additional information
- Once your digital adoption plan is approved, you have 6 months to apply for the BDC 0% interest loan.
- If you are declined for the loan, standard banking practices apply and this could affect your credit score.
- Choosing BDC as your advisory service provider does not affect your eligibility for the zero-interest loan; all businesses are treated equally.
- Applicants must adhere strictly to the program deadlines outlined in their grant agreement, as extensions are not permitted.
Frequently Asked Questions about the BDC — Canada Digital Adoption Program (CDAP) Loan Program
What is the BDC — Canada Digital Adoption Program (CDAP) Loan?
Canada Digital Adoption Program (CDAP) supports small and medium-sized enterprises in Canada with a grant for digital planning and a 0% loan of up to $100,000. It funds advisory services to build a digital adoption plan and help implement the approved recommendations from that plan.
How much funding can be received?
BDC — Canada Digital Adoption Program (CDAP) Loan Funds up to 90% of admissible expenses, capped at $100,000 per project.
What is the deadline to apply?
The application deadline for this grant program was March 27, 2026.
Who is eligible for the BDC — Canada Digital Adoption Program (CDAP) Loan program?
To be eligible for the BDC — Canada Digital Adoption Program (CDAP) Loan program, you must:
Valid, signed grant agreement before February 19, 2024
Annual gross revenues of at least $500,000 as of the last fiscal year-end
Digital Adoption Plan recognized by the CDAP Boost Your Business Technology stream before the loan application
What expenses are eligible under BDC — Canada Digital Adoption Program (CDAP) Loan?
Building a digital adoption plan
Implementing the recommendations from a digital adoption plan recognized by the CDAP Boost Your Business Technology stream
Who can I contact for more information about the BDC — Canada Digital Adoption Program (CDAP) Loan?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC — Canada Digital Adoption Program (CDAP) Loan available?
The BDC — Canada Digital Adoption Program (CDAP) Loan program is available across Canada.