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BDC Financing — Buying a Business Loan
Financing for business purchases and transfers
Last Update: May 28, 2026
Funding available
Varies by project
Timeline
- Open continuously
Location
Canada
Overview
This financing supports business acquisitions, mergers, and transfers with tailored repayment terms. It can also help cover additional costs and provide extra financing for intangible assets.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Complete an acquisition or business transfer
Eligible Funding
- Varies by project
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Manufacturing
- Retail trade
- Information and cultural industries
- Accommodation and food services
- Other services (except public administration)
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.
- Business transfer, merger, or acquisition.
- Family succession or management buyout.
- Refinancing vendor take-back financing.
Documents Needed
- Loan request form
- Information about your business project
- Business details and contact information
- Agreed purchase documents, such as a purchase price, letter of offer, and closing date
Official resources
Eligibility
Who is eligible?
- Businesses based in Canada.
- Businesses generating revenue.
- Businesses with a good credit history.
Eligible expenses
- Purchase of an existing business or its shares.
- Refinancing of vendor financing.
- Acquisition of intellectual property, goodwill, and client lists.
- Additional transaction costs such as legal fees and moving costs.
Eligible geographic areas
- Canada
How to apply
- Step 1: Submit a loan request online
- Provide information about your project and business.
- Step 2: Speak with a representative
- BDC will contact you to discuss the project and the documents needed for review.
- Step 3: Receive a tailored solution
- If approved, BDC will send a loan offer based on your financial needs and capacity.
Processing and Agreement
- BDC reviews the request only after a negotiated agreement is in place.
- The application is assessed through a detailed analysis of the transaction.
- If approved, BDC sends a tailored loan offer.
- BDC may need additional documents to complete its review.
Additional information
- Payments can be structured to align with your business’s cash flow.
- BDC specialists provide personalized support throughout the acquisition process.
- Additional solutions are available for Indigenous entrepreneurs and newcomers to Canada.
- Financing options exist for asset-light companies or those needing non-conventional packages without ownership dilution.
Frequently Asked Questions about the BDC Financing — Buying a Business Loan Program
What is the BDC Financing — Buying a Business Loan?
This financing supports business acquisitions, mergers, and transfers with tailored repayment terms. It can also help cover additional costs and provide extra financing for intangible assets.
Who is eligible for the BDC Financing — Buying a Business Loan program?
To be eligible for the BDC Financing — Buying a Business Loan program, you must:
Based in Canada
Generating revenue
Good credit history
What expenses are eligible under BDC Financing — Buying a Business Loan?
Purchase of an existing business.
Business transfer, merger, or acquisition.
Family succession or management buyout.
Refinancing vendor take-back financing.
Who can I contact for more information about the BDC Financing — Buying a Business Loan?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC Financing — Buying a Business Loan available?
The BDC Financing — Buying a Business Loan program is available across Canada.
Is the BDC Financing — Buying a Business Loan a grant, loan, or tax credit?
BDC Financing — Buying a Business Loan is a Loans and Capital investments
Who are the financial supporters of the BDC Financing — Buying a Business Loan?
BDC Financing — Buying a Business Loan is funded by Business Development Bank of Canada (BDC)