EDC — Buyer financing
Last Update: July 29, 2025
Canada
Flexible financing for your international buyers
EDC — Buyer financing at a glance
Eligible Funding
- No Condition
Timeline
- Open Date : November 14, 2019
Financing Type
Loans and Capital investments
Eligible Industries
- Manufacturing
- Wholesale trade
Grant Providers
- Export Development Canada (EDC)
- Government of Canada
Program status
Open
Overview of the EDC — Buyer financing program
Get a loan guarantee to give your business a competitive edge and to reduce your risk of non-payment. Offer flexible repayment terms on loans for your international customers, covering their purchases from you.
Financing terms and conditions
This financing program from Export Development Canada provides comprehensive buyer financing solutions aimed at facilitating international trade of Canadian goods and services. The program is structured to enhance the purchasing power of international buyers through tailored financing options.
- Direct loans offered to international buyers by Export Development Canada.
- Loans provided in collaboration with approved financial institutions for expanded financing capabilities.
- Buyer Financing Guarantee, offering up to a 100% guarantee on 85% of a commercial contract to financial partners, for transactions not exceeding $25 million.
- Customized direct lending solutions for transactions of $25 million or more, catering to high-value international deals.
Eligible projects & activities
- Financing international buyers to facilitate the purchase of Canadian goods and services.
- Structuring direct loans or guarantees linked to export contracts with international customers.
- Supporting export projects where Canadian businesses seek to provide extended payment terms to international buyers.
Examples of admissible projects:
$ 50,000
Launch a marketing campaign to boost the international presence of local organic products
$ 220,000
Expand manufacturing facilities to meet growing international demand
$ 150,000
Upgrade production equipment to enhance manufacturing efficiency and meet international demand
$ 70,000
Develop and launch a new e-commerce platform to expand international sales
$ 100,000
Upgrade IT infrastructure to enhance cybersecurity and data management for international clients
$ 130,000
Implement a renewable energy system to reduce manufacturing costs and environmental impact
Eligibility criteria of the EDC — Buyer financing program
- The applicant must be supplying Canadian goods or services to an international buyer.
- The buyer must qualify based on credit rating, transaction details, and non-credit risks such as environmental, social, and governance practices.
- The applicant must provide a copy of the export contract and the buyer’s credit information to EDC.
Eligible expenses
- Financing the purchase of Canadian goods and services by international buyers through direct loans or in partnership with approved financial institutions.
- Providing guarantee coverage for term financing transactions up to 85% of a commercial contract.
How to apply to the EDC — Buyer financing program
1
Engage with EDC
- If you’re an existing customer, contact your EDC relationship manager to discuss potential Buyer Financing solutions.
- If you’re new to EDC, send a question through their web form or call EDC at 1-800-229-0575 to initiate the process.
2
Provide Necessary Documentation
- Submit a copy of your export contract that outlines the goods or services provided to the international buyer.
- Provide the credit information of the international buyer to EDC for assessment.
3
Assessment and Structuring
Work with EDC and your international buyer to determine the best financing structure tailored to the buyer’s needs.
4
Application Submission
After discussing with EDC and compiling necessary documentation and assessments, submit the formal application through the provided channels by EDC.
Additional information
- EDC’s Buyer Financing Guarantee covers up to 85% of a commercial contract, with a guarantee of up to 100% on that portion.
- Applicable for term financing transactions up to $25 million; direct loans are available for transactions of $25 million or more.
- The guarantee is aligned with the financing principles of the OECD Consensus Arrangement.
- EDC emphasizes support for competitive, flexible, and extended payment terms to help secure international contracts.
Contact Export Development Canada (EDC)
1-800-229-0575
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