BDC Financing — Small Business Loan
Get up to $350,000 in repayable financing to grow your profitable business. This is a loan from BDC for companies operating at least 24 months, so you will repay the principal plus interest. Verified against the official source on July 2, 2026.
How we verify funding records →
“You can ask for up to $350,000 for a BDC Small Business Loan.”
Before you spend a dollar
Approval must precede spending; funds are disbursed within days after approval.
At a glance
Subject to program rules, available funding, and approval. Confirm current details with the official program administrator.
Not sure if you qualify?
Get a free, 2-minute read on whether this program fits your business. No obligation.
Check your fit →Is this for you?
- You have been generating revenue for at least 24 months.
- Your business is currently profitable with a solid credit history.
- You need capital for inventory, marketing, hiring, or energy efficiency upgrades.
Probably not the right fit if
- You are a startup or have been operating for less than 24 months.
- Your business is not currently profitable.
- You have poor credit history or cannot repay the loan.
How much you'd realistically get
Up to $350,000 depending on your profile and needs.
What may be supported
- Inventory purchase
- Product development
- Energy efficiency improvements
- Marketing campaigns
- Supplier payments
- Employee hiring and training
- Certifications
- Market expansion
How applying works
Effort: moderateApply online in 3 steps: check eligibility, complete the form, and receive funds. Approval takes less than 10 days for loans under $100K and less than 30 days for loans between $100K and $350K.
- 01Check your eligibility online (must be profitable and operating for 24+ months).
- 02Complete the online application form.
- 03Submit required documents for review.
- 04Receive approval (under 10 days for <$100K; under 30 days for $100K-$350K).
- 05Receive funds within days after approval.
Who to ask: BDC: 1-877-232-2269; contact form at https://www.bdc.ca/en/contact-us/contact-us-form
Documents commonly required
- Proof of business registration and operation in Canada.
- Financial statements showing profitability.
- Credit history information.
- Details of intended use of funds (e.g., inventory, marketing, hiring).
How BBN Labs helps
- BBN builds your website and e-commerce store with the loan funds, giving you a 24/7 sales channel that captures customers beyond your physical storefront.
- BBN launches your digital marketing, paid ads and Local SEO using the financing, driving qualified traffic to your site and your Google Maps listing.
- BBN sets up a modern POS and online ordering system with the capital, streamlining checkout and letting customers order ahead to cut wait times.
- BBN designs vehicle wraps and storefront signage funded by the loan, turning your fleet and building into moving billboards that build brand trust.
- BBN builds a Google review system and loyalty program with the financing, turning happy customers into five-star proof that wins new ones.
What to know before you count on it
- This is a loan, not a grant; you must repay the principal plus interest.
- Interest is a floating base rate plus a variance based on your profile; confirm the exact rate on the official page.
- Repayment terms include 5 to 8 year amortization with up to 6-12 months of interest-only payments available if conditions apply.
- You must be currently profitable and have operated for at least 24 months to qualify.
What are your odds?
Approval depends on your profitability, credit history, and revenue history; BDC does not guarantee funding.
Frequently asked questions
Is this money taxable?
Loan proceeds are generally not taxable income, but interest payments may be tax-deductible; consult a tax professional.
How quickly can I get the funds?
Funds are available within days after approval. Approval takes less than 10 days for loans under $100K and less than 30 days for loans up to $350K.
What is the interest rate?
It is a floating base rate plus a variance based on your profile. Confirm the specific rate on the official page.
Can I use this for staff training?
Yes, employee hiring and training are eligible uses.
What you can combine it with
You can combine this with other BDC products like Working Capital or Equipment Loans, but confirm terms on the official page.
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Get alerted when this changes
Programs open and close, budgets run out, rules change. We send one short email when something changes that matters for this program.
Record last updated July 3, 2026; last verified July 2, 2026 against the official source. Source: official program page.