BDC Financing — Working Capital Term Loan
Fuel your growth and operations with a BDC working capital term loan. Payments match your cash flow, including interest-only options for up to 24 months, but remember this is a repayable loan. Verified against the official source on July 2, 2026.
How we verify funding records →
Before you spend a dollar
This is a loan; you must be approved before you receive funds, so do not spend money expecting reimbursement.
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 in business for at least 12 months and are generating revenue.
- You need cash for growth or operations but want to preserve your daily cash flow.
- You have a solid credit history and can navigate a standard financial application.
Probably not the right fit if
- You have been in business for less than 12 months or are not yet generating revenue.
- You are looking for a grant or free money, since this is a loan that must be repaid with interest.
- You have a poor credit history or cannot provide the financial documentation required for underwriting.
How much you'd realistically get
The maximum loan amount is not published; confirm on the official page.
What may be supported
- Buying inventory
- Paying suppliers
- Expanding into new markets
- Developing new products
- Launching a marketing campaign
- Hiring or training employees
- Energy efficiency or green retrofit projects
How applying works
Effort: moderateYou must submit a loan request online and speak with a BDC representative to get a tailored solution.
- 01Submit a loan request online at the BDC website.
- 02Talk to a BDC representative to discuss your needs.
- 03Provide required financial documents and business information.
- 04Receive a tailored solution and approval decision.
- 05Disburse funds to your business account upon approval.
Who to ask: 1-877-232-2269; or contact form / chat at https://www.bdc.ca/en/contact-us
Documents commonly required
- Financial statements (confirm specific requirements on the official page)
- Business registration documents
- Credit history information
- Business plan or project details (if applicable)
How BBN Labs helps
- BBN builds your e-commerce store and digital marketing assets with the loan funds, expanding your reach into new markets and capturing more online sales.
- BBN designs your branding and product visuals using the financing, helping you launch new products or campaigns that stand out and drive customer interest.
- BBN sets up staff training on your new digital tools with the loan, so your team works efficiently for growth and daily operations.
- BBN guides you through the application and deadlines so you don't lose the funding.
What to know before you count on it
- This is a loan, not a grant; you must repay the principal plus interest.
- The interest rate is not published; confirm on the official page.
- While you can pay interest only for up to 24 months, principal repayment begins after that period within an 8-year amortization window.
- Approval depends on your credit track record and financial health; there is no guarantee of funding.
What are your odds?
Approval is not guaranteed; it depends on your credit history, revenue, and ability to repay.
Frequently asked questions
What is the interest rate?
The interest rate is not published; confirm on the official page.
How much can I borrow?
The maximum loan amount is not published; confirm on the official page.
Can I use this for energy efficiency projects?
Yes, BDC lists energy efficiency, green retrofit, or sustainability projects as eligible uses.
Is there a deadline to apply?
No fixed deadline; you can apply anytime as long as you meet the eligibility criteria.
What you can combine it with
You can use this loan alongside other funding sources, but ensure your debt service coverage ratio remains healthy.
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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.