BDC Working Capital Financing (2022)


BDC helps Canadian businesses complement other lines of credit, launch growth projects (expand into new markets, develop new products, protect intellectual property, launch a marketing campaign) and improve profitability (pay suppliers upfront to get special discounts, obtain certification, train employees).

Comments on Funding:

Funding is a loan and starts at:

  1. $10,000 for businesses that have been in operation between 12 and 24 months and 
  2. $100,000 for businesses that have been in operation for more than 24 months.

The above-mentioned amounts are requested by the online application system when trying to apply.

Loan terms:

  1. up to 6 years to repay the loan;
  2. up to 12 months principal postponement at the start of the loan.


  • be Canadian citizens or permanent residents;
  • have reached the age of majority in the province or territory in which they live;
  • have a business that has been in operations for at least 12 months.


“We’ve built a strong relationship with BDC. Apart from getting essential working capitalto help us grow, they also helped us improve our financial management and triple our sales!” – Cassy Guevara, Co-owner and bookkeeper

COVID Related Measures:

If your business has been directly or indirectly impacted by COVID-19, you could benefit from a working capital loan of up to $2 million* to finance projects that can help bring your level of operations back to a pre-pandemic state.

Program Contact:

Business loan request

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