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BDC Financing — Business purchase or transfer loan
Business purchase or transfer financing
Last Update: May 28, 2026
Funding available
Varies by project
Timeline
- Open continuously
Location
Canada
Overview
Get a repayable loan with terms tailored to your business if you are thinking of buying a company, making a merger or acquiring a competitor in order to expand your operations.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Reduce environmental footprint
- Renovate or expand facilities
Eligible Funding
- Varies by project
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Manufacturing
- Retail trade
- Accommodation and food services
Location
- Canada
Legal structures
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Indigenous Peoples
- Newcomers to Canada
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Purchase of an existing business.
- Sale or transfer of a business to a family member or management team member.
- Refinancing vendor take-back financing.
- Business acquisition involving intellectual property, goodwill, or client lists.
Official resources
Eligibility
Who is eligible?
- Businesses based in Canada.
- Businesses generating revenue.
Eligible expenses
- Costs related to purchasing an existing business or transferring ownership.
- Refinancing vendor financing.
- Extra financing for legal fees, moving costs, and similar transaction expenses.
Eligible geographic areas
- Canada.
Selection criteria
There are evaluation and selection criteria for this grant. The criteria include:
- Financial stability and creditworthiness of the applicant
- Purpose of the loan and its alignment with business growth
- Experience and track record of the business owner
- Potential impact of the loan on the business and the local economy
How to apply
1
Initial Evaluation
- Determine your eligibility by reviewing the loan criteria and conditions offered by BDC.
- Analyze your business situation to ensure that the loan type matches your business needs, such as acquisition, buyout, or purchase of assets.
2
Gather Necessary Documentation
- Compile financial statements such as income statements, balance sheets, and cash flow statements for the past 12-24 months.
- Prepare any additional documentation BDC may require specific to your loan type, such as business plans, market analysis, or asset appraisals.
3
Consultation with BDC
- Contact BDC to discuss your financing needs and receive guidance from their experts on the best loan options for your business situation.
- Schedule a meeting or consultation to understand the application process details and specific requirements for your loan type.
4
Application Submission
- Complete the formal loan application form, providing detailed business information and ensuring all fields are accurately filled.
- Submit the application along with the gathered documents either through the BDC online portal or as instructed during your consultation.
5
Await Decision
- Once submitted, wait for feedback or a decision from BDC regarding your application.
- Be prepared to provide additional information or clarification if requested by BDC during this review period.
Processing and Agreement
- Applications are reviewed after submission of a loan request.
- A representative contacts the applicant to discuss the project and supporting documents.
- If approved, BDC sends a tailored loan offer.
- Approval is subject to loan approval and detailed analysis.
Additional information
Here are additional relevant details for this loan:
- This loan offers tailored amounts to suit the specific needs of the applicant.
- Higher percentage of financing is available compared to other loans.
- Repayment terms are matched to the applicant's cash flow, providing flexibility.
- Preferred terms and conditions apply for loans over $350,000.
- Bespoke financial solutions are available for companies that do not possess significant tangible assets or require non-traditional financing options.
- Specific solutions are designed for Indigenous entrepreneurs and newcomers to Canada.
- Testimonials suggest a strong partnership and support system from BDC, emphasizing trust and transparency.
- Approval and conditions apply as per BDC guidelines.
Frequently Asked Questions about the BDC Financing — Business purchase or transfer loan Program
What is the BDC Financing — Business purchase or transfer loan?
Get a repayable loan with terms tailored to your business if you are thinking of buying a company, making a merger or acquiring a competitor in order to expand your operations.
Who is eligible for the BDC Financing — Business purchase or transfer loan program?
To be eligible for the BDC Financing — Business purchase or transfer loan program, you must:
Based in Canada.
Generating revenue.
Good credit history.
What expenses are eligible under BDC Financing — Business purchase or transfer loan?
Purchase of an existing business.
Sale or transfer of a business to a family member or management team member.
Refinancing vendor take-back financing.
Business acquisition involving intellectual property, goodwill, or client lists.
Who can I contact for more information about the BDC Financing — Business purchase or transfer loan?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC Financing — Business purchase or transfer loan available?
The BDC Financing — Business purchase or transfer loan program is available across Canada.
Is the BDC Financing — Business purchase or transfer loan a grant, loan, or tax credit?
BDC Financing — Business purchase or transfer loan is a Loans and Capital investments
Who are the financial supporters of the BDC Financing — Business purchase or transfer loan?
BDC Financing — Business purchase or transfer loan is funded by Business Development Bank of Canada (BDC)