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BDC Financing — Working Capital Term Loan - Canada
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BDC Financing — Working Capital Term Loan

Working capital loan
Business Development Bank of Canada (BDC)
Government of Canada
Last Update: March 4, 2026
Funding available
No Condition
Timeline
  • Open continuously
Location
Canada

Overview

Get a loan to complement your line of credit and maintain your cashflow.

/100
Opportunity Score
Moderate potential, but conditions must align.

At a glance

Funding available

Financing goals
  • Develop a new product or service
  • Launch or market a product/service
Eligible Funding
  • No Condition
Timeline
  • Open continuously

Eligible candidates

Eligible Industries
  • All industries
Location
  • Canada
Legal structures
  • For-profit business
  • Sole proprietorship
Annual revenue
  • All revenue ranges
Organisation size
  • All organization sizes
Audience
  • Canadians

Next steps

1
Determine your project
2
Validate your eligibility

Activities funded

This grant provides working capital to support various business-related projects that facilitate growth and expansion. Eligible activities include projects from inventory purchases to sustainability initiatives.

  • Buying inventory.
  • Paying suppliers.
  • Expanding into new markets.
  • Developing new products.
  • Protecting intellectual property.
  • Launching a marketing campaign.
  • Obtaining industry-specific certifications.
  • Hiring or training employees.
  • Completing energy efficiency, green retrofit, or sustainability projects.

Eligibility

Who is eligible?

There are specific types of companies eligible for this grant. Businesses in various sectors can benefit from this financing solution provided by BDC. Eligible sectors include tech companies, small businesses, commercial real estate, equipment loan seekers, and those looking for working capital.

  • Tech companies
  • Small businesses
  • Commercial real estate businesses
  • Equipment loan seekers
  • Working capital loan applicants

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

This grant is available to businesses that are based in Canada. Eligibility is determined by the company's location within Canadian borders.

  • Companies based in Canada.

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 a loan to complement your line of credit and maintain your cashflow.

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: Applicant must be based in Canada. Applicant must have been generating revenue for at least 24 months. Applicant must have a good credit history track record.

What expenses are eligible under BDC Financing — Working Capital Term Loan?

This grant provides working capital to support various business-related projects that facilitate growth and expansion. Eligible activities include projects from inventory purchases to sustainability initiatives. Buying inventory. Paying suppliers. Expanding into new markets. Developing new products. Protecting intellectual property. Launching a marketing campaign. Obtaining industry-specific certifications. 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), Government of Canada

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