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BDC Financing — Start-up - Canada

BDC Financing — Start-up

Last Update: June 4, 2025
Canada
Loan to grow a business

BDC Financing — Start-up at a glance

Eligible Funding
  • Max. $250,000
Timeline
  • Continuous Intakes
Financing Type
Loans and Capital investments
Eligible Industries
  • All industries
Grant Providers
  • Business Development Bank of Canada (BDC)
  • Government of Canada
Status
Open

Overview of the BDC Financing — Start-up program

Get up to $250,000 in loans to help get your business off the ground, finance operations and replenish working capital spent on start-up costs, if you've been in business for at least a year.

Financing terms and conditions

  • Financing of up to $250,000 to support business start-up projects.
  • Up to 12 months principal payment postponement at the start of the loan.

Eligible projects & activities

  • Launching and growing a new business venture.
  • Purchasing business assets or franchises.
  • Investing in marketing strategies and establishing a company website.
  • Accessing advisory and business development services.
  • Replenishing working capital impacted by start-up expenses.
Examples of admissible projects:

$ 90,000

Expand a local bakery's online presence and delivery service

$ 125,000

Create a comprehensive marketing strategy for a local non-profit art gallery

$ 210,000

Launch a new retail store specializing in eco-friendly products

Eligibility criteria of the BDC Financing — Start-up program

  • The business must be based in Canada.
  • The business must have been in operation for at least 12 consecutive months and be generating revenues.
  • The company must demonstrate realistic market and sales potential.
  • The applicant must have a good credit history.
  • The applicant must have reached the age of majority in their province or territory of residence.

Who is eligible?

  • Canadian-based small businesses
  • Start-ups operating for at least 12 months with generated revenues
  • Tech companies
  • Inclusive entrepreneurship ventures

Eligible expenses

  • Purchase of assets for business start-up.
  • Payment of start-up fees.
  • Buying a franchise.
  • Marketing expenses.
  • Development of a website.
  • Engagement of advisory services.
  • Working capital replenishment due to start-up costs.

Eligible geographic areas

  • Canada

Eligibility criteria of the BDC Financing — Start-up program

There are evaluation and selection criteria for this grant.
  • Canadian-based business
  • In operation for at least 12 consecutive months and generating revenues
  • Demonstrate realistic market and sales potential
  • Good credit history
  • You’ve reached the age of maturity in the province or territory where you live

How to apply to the BDC Financing — Start-up program

1
Determine Eligibility
  • Ensure that your business is based in Canada and has been in operation for at least 12 consecutive months.
  • Verify that your business is generating revenue and has a good credit history.
2
Prepare Required Documentation
  • Compile a thorough business plan outlining your company's market and sales potential.
  • Prepare financial statements and/or projections if requested.
3
Complete the Application Form
  • Access the application form through the appropriate online platform provided by BDC.
  • Fill out all necessary details accurately based on your business information and plans.
4
Submit the Application
  • Upload all required documents along with the completed application form.
  • Submit your application through the BDC's online portal.
5
Await Confirmation and Next Steps
  • Receive a confirmation email acknowledging receipt of your application.
  • Wait for further communication regarding the status of your application or any additional requirements.

Additional information

  • Financing can be adapted to align with your cash flow cycle for greater flexibility.
  • Principal payments may be postponed for up to 12 months at the start of the loan.
  • Business plans and overall potential are considered in the assessment process.
  • Specific solutions are available for Indigenous entrepreneurs and newcomers to Canada.

Apply to this program

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