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Pivot to Grow loan
Financing for businesses affected by U.S. trade pressures
Last Update: March 4, 2026
Funding available
$ 350,000 - $ 2,000,000
Timeline
- Open continuously
Location
Canada
Overview
The Pivot to Grow Loan offers up to $5 million to help businesses affected by U.S. tariffs, related uncertainties, or the current economic downturn. It supports operational expenses, equipment purchases, supply chain changes, and resiliency plans.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Access new markets
- Renovate or expand facilities
Eligible Funding
- Maximum amount : 2,000,000 $
- Minimum amount : 350,000 $
- Up to 25% of project cost
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Manufacturing
- Wholesale trade
- Transportation and warehousing
Location
- Canada
Legal structures
- For-profit business
Annual revenue
- $ 2,000,000 minimum revenue
Organisation size
- All organization sizes
Audience
- Canadians
Next Steps
1
Determine your project
2
Validate your eligibility
Activities funded
- Adapting business operations to respond to U.S. tariffs and related uncertainty.
- Updating supply chain models.
- Implementing a resiliency plan.
- Managing business adjustments linked to the current economic downturn.
Official resources
Eligibility
Who is eligible?
- Businesses exporting to the United States.
- Businesses affected by U.S. tariffs or related uncertainty.
Who is not eligible
- Businesses in operation for less than 12 months should contact BDC partners instead.
- Businesses in operation between 12 and 24 months should use BDC Start-up financing instead.
Eligible expenses
- Operational expenses.
- Equipment purchases.
- Extra costs related to U.S. tariffs, related uncertainties, or the current economic downturn.
- Supply chain changes and resiliency planning costs.
Eligible geographic areas
- Canada
Selection criteria
- Demonstrated negative impact from U.S. tariffs, related uncertainties, or the current economic downturn.
- A clear plan to adjust to the new environment.
- Capacity to execute the proposed plan.
- The business must have been viable before tariffs were implemented.
How to apply
- Step 1: Submit a loan request online and describe your business and how it has been affected.
- Step 2: Speak with a BDC representative who will contact you to discuss the project and required documents.
- Step 3: Receive a tailored loan offer if approved.
Contacts
Frequently Asked Questions about the Pivot to Grow loan Program
What is the Pivot to Grow loan?
The Pivot to Grow Loan offers up to $5 million to help businesses affected by U.S. tariffs, related uncertainties, or the current economic downturn. It supports operational expenses, equipment purchases, supply chain changes, and resiliency plans.
How much funding can be received?
Pivot to Grow loan Funds up to 25% of admissible expenses, capped at $2,000,000 per project.
Who is eligible for the Pivot to Grow loan program?
To be eligible for the Pivot to Grow loan program, you must:
At least 15% of sales from U.S. exports
$2 million+ in annual sales
Positive cash flow and profitability
What expenses are eligible under Pivot to Grow loan?
Adapting business operations to respond to U.S. tariffs and related uncertainty.
Updating supply chain models.
Implementing a resiliency plan.
Managing business adjustments linked to the current economic downturn.
Who can I contact for more information about the Pivot to Grow loan?
You can contact Business Development Bank of Canada (BDC) or by phone at 1-877-232-2269.
Where is the Pivot to Grow loan available?
The Pivot to Grow loan program is available across Canada.
Is the Pivot to Grow loan a grant, loan, or tax credit?
Pivot to Grow loan is a Loans and Capital investments