BDC Working Capital Financing (2022)


The Working Capital Loan 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 $100,000. Preferred terms and conditions for loans over $350,000 apply.
Loan terms:

  1. up to 8 years to repay the loan;
  2. up to 24 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 24 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.

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