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BDC Financing — Commercial Real Estate Loan
Long-term financing for commercial real estate
Last Update: May 28, 2026
Funding available
Up to 100% of project cost
Timeline
- Open continuously
Location
Canada
Overview
A long-term financing solution helps businesses buy, build, renovate, or expand commercial real estate. It offers up to 100% financing, interest-only payments for up to 36 months, and repayment terms of up to 25 years.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Renovate or expand facilities
Eligible Funding
- Up to 100% of project cost
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Real estate and rental and leasing
Location
- Canada
Legal structures
- Sole proprietorship
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Buying commercial land or buildings
- Building new commercial facilities
- Expanding existing premises
- Renovating business facilities
Documents Needed
- Company financial statements
- Purchase offer
- Phase I environmental report
- Assessment report
- List of leases, if applicable
Eligibility
Who is eligible?
- Businesses based in Canada
Who is not eligible
- Private schools
- Retirement homes
- Residential development projects
Eligible expenses
- Commercial land or building purchase
- Construction costs
- Renovations or expansions
- Moving costs and down payments
- Working capital tied to real estate costs
Ineligible Costs and Activities
- Construction or operation of private schools
- Retirement homes
- Residential development projects
Eligible geographic areas
- Canada
Processing and Agreement
- Applications are reviewed after submission
- A representative contacts the applicant to discuss the project
- If approved, a loan offer is sent
Additional information
- Loan terms are subject to approval.
- A free commercial real estate toolkit is available.
Frequently Asked Questions about the BDC Financing — Commercial Real Estate Loan Program
Here are answers to the most common questions about the BDC Financing — Commercial Real Estate Loan. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.
What is the BDC Financing — Commercial Real Estate Loan?
A long-term financing solution helps businesses buy, build, renovate, or expand commercial real estate. It offers up to 100% financing, interest-only payments for up to 36 months, and repayment terms of up to 25 years.
How much funding can be received?
BDC Financing — Commercial Real Estate Loan Funds up to 100% of admissible expenses.
Who is eligible for the BDC Financing — Commercial Real Estate Loan program?
To be eligible for the BDC Financing — Commercial Real Estate Loan program, you must:
Based in Canada
24+ months of revenue
Good credit history
What expenses are eligible under BDC Financing — Commercial Real Estate Loan?
Buying commercial land or buildings
Building new commercial facilities
Expanding existing premises
Renovating business facilities
Who can I contact for more information about the BDC Financing — Commercial Real Estate Loan?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC Financing — Commercial Real Estate Loan available?
The BDC Financing — Commercial Real Estate Loan program is available across Canada.
Is the BDC Financing — Commercial Real Estate Loan a grant, loan, or tax credit?
BDC Financing — Commercial Real Estate Loan is a Loans and Capital investments