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Source verified April 21, 2026
Export Development Canada Business Credit Availability Program (EDC BCAP)
Flexible financing for COVID-19-impacted businesses
Funding available
$ 6,250,000
Deadline
Open continuously
Location
Alberta, Canada
Overview
EDC BCAP provides eligible businesses with term loans of up to CAD 6.25 million to support short-term liquidity needs. It helps cover operating expenses, working capital, and other ordinary-course business costs for businesses impacted by COVID-19.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase production or service capacity
- Increase operational productivity
- Strengthen organizational capacity
Eligible Funding
- Maximum amount : 6,250,000 $
- Up to 80% of project cost
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Alberta
Legal structures
- For-profit business
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- All groups
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Short-term liquidity support for business continuity.
- Working capital support for ordinary business operations.
Official resources
Eligibility
Who is eligible?
- Canadian businesses.
- Mid-sized and large-sized ATB business clients.
Who is not eligible
- Government organizations or government-owned entities, except First Nation owned businesses.
- Unions, charitable, religious, or fraternal organizations.
- Entities owned by individuals holding federal political office, MPs, or Senators.
- Entities that promote violence, hatred, or discrimination.
Eligible expenses
- Operating expenses such as rent and payroll.
- Working capital needs such as inventory and accounts payable.
- Regular scheduled interest and principal payments.
- Lease, equipment, and supplier financing payments.
- Deferred loan payments and ordinary-course capital expenditures.
Ineligible Costs and Activities
- Dividends.
- Non-standard debt repayment.
- Refinancing.
Eligible geographic areas
- Canada
- Alberta
Selection criteria
- Business viability before the COVID-19 impact.
- Demonstrated need for short-term liquidity support.
- Ability to continue business operations.
How to apply
- Step 1: Contact ATB representative
- Reach out to your regular ATB team member for assistance.
- Step 2: Contact client care
- If you do not have a regular ATB contact, use the Client Care Team for help.
- Step 3: Complete application requirements
- Meet the requirements that form part of the application process.
Additional information
- The program is available through ATB for eligible business clients.
- It is backed by an 80% EDC guarantee.
- The loan term is 1 to 5 years.
- Repayment is due in full at the end of the term.
Contacts
Frequently Asked Questions about the Export Development Canada Business Credit Availability Program (EDC BCAP) Program
What is the Export Development Canada Business Credit Availability Program (EDC BCAP)?
EDC BCAP provides eligible businesses with term loans of up to CAD 6.25 million to support short-term liquidity needs. It helps cover operating expenses, working capital, and other ordinary-course business costs for businesses impacted by COVID-19.
How much funding can be received?
Export Development Canada Business Credit Availability Program (EDC BCAP) Funds up to 80% of admissible expenses, capped at $6,250,000 per project.
Who is eligible for the Export Development Canada Business Credit Availability Program (EDC BCAP) program?
To be eligible for the Export Development Canada Business Credit Availability Program (EDC BCAP) program, you must:
Canadian business active before March 1, 2020.
ATB business client.
Viable and impacted by COVID-19.
What expenses are eligible under Export Development Canada Business Credit Availability Program (EDC BCAP)?
Short-term liquidity support for business continuity.
Working capital support for ordinary business operations.
Who can I contact for more information about the Export Development Canada Business Credit Availability Program (EDC BCAP)?
You can contact ATB Community Foundation (ATB) by email at email-client-service or by phone at 1-800-332-8383.
Where is the Export Development Canada Business Credit Availability Program (EDC BCAP) available?
The Export Development Canada Business Credit Availability Program (EDC BCAP) program is available the province of Alberta.
Is the Export Development Canada Business Credit Availability Program (EDC BCAP) a grant, loan, or tax credit?
Export Development Canada Business Credit Availability Program (EDC BCAP) is a Loans and Capital investments