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BDC Financing — Working Capital Term Loan
Flexible financing to support business growth
Last Update: May 28, 2026
Funding available
Varies by project
Timeline
- Open continuously
Location
Canada
Overview
Get working capital to support growth and keep cash flow flexible. This financing can help fund inventory, suppliers, market expansion, new products, hiring, training, certifications, marketing, and sustainability projects.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Develop a new product or service
- Obtain certifications or accreditations
- Access new markets
Eligible Funding
- Varies by project
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- All industries
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 inventory.
- Paying suppliers.
- Expanding into new markets.
- Developing new products.
- Protecting intellectual property.
- Launching a marketing campaign.
- Hiring or training employees.
- Completing energy efficiency, green retrofit, or sustainability projects.
Eligibility
Who is eligible?
- Canadian-based businesses
- Businesses already generating revenue
- Businesses with a good credit history
Eligible expenses
This grant offers financing tailored to support business growth and operational improvements, ensuring that financial resources are available for strategic projects without affecting cash flow stability.
- Complementing existing lines of credit.
- Purchasing inventory to quickly fulfill orders.
- Launching growth projects, including expanding into new markets or developing new products.
- Protecting intellectual property and launching marketing campaigns.
- Improving profitability by paying suppliers upfront, obtaining certifications, and training employees.
Eligible geographic areas
- Canada
Processing and Agreement
- BDC reviews the request after the online submission.
- A representative contacts the applicant to discuss the project and next steps.
- If approved, BDC sends a loan offer based on the business’s needs and capacity.
Additional information
Here are additional relevant details for this grant:
- Loans over $350,000 come with preferred terms and conditions.
- Applicants can benefit from unparalleled flexibility by matching payments to their cash flow cycle.
- BDC offers a "beyond the numbers" approach, considering management expertise and project potential rather than relying solely on banking ratios.
- Financial solutions are available that do not dilute ownership, particularly for asset-light companies or those needing non-conventional financing solutions.
- There are special financing solutions available for Indigenous entrepreneurs and newcomers to Canada.
Frequently Asked Questions about the BDC Financing — Working Capital Term Loan Program
Here are answers to the most common questions about the BDC Financing — Working Capital Term 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 — Working Capital Term Loan?
Get working capital to support growth and keep cash flow flexible. This financing can help fund inventory, suppliers, market expansion, new products, hiring, training, certifications, marketing, and sustainability projects.
Who is eligible for the BDC Financing — Working Capital Term Loan program?
To be eligible for the BDC Financing — Working Capital Term Loan program, you must:
Based in Canada
Generating revenue for 12+ months
Good credit track record
What expenses are eligible under BDC Financing — Working Capital Term Loan?
Buying inventory.
Paying suppliers.
Expanding into new markets.
Developing new products.
Protecting intellectual property.
Launching a marketing campaign.
Hiring or training employees.
Completing energy efficiency, green retrofit, or sustainability projects.
Who can I contact for more information about the BDC Financing — Working Capital Term Loan?
You can contact Business Development Bank of Canada (BDC).
Where is the BDC Financing — Working Capital Term Loan available?
The BDC Financing — Working Capital Term Loan program is available across Canada.
Is the BDC Financing — Working Capital Term Loan a grant, loan, or tax credit?
BDC Financing — Working Capital Term Loan is a Loans and Capital investments
Who are the financial supporters of the BDC Financing — Working Capital Term Loan?
BDC Financing — Working Capital Term Loan is funded by Business Development Bank of Canada (BDC)