Updated August 2026 · Verified against BDC guidelines
Loan
Loan Federal Active

BDC Commercial Real Estate Loan

BDC
Loan Range
Typically starts at $100,000 and can reach several million...
Continuous. No application deadline is published.
Visit Official Program →
Difficulty
Hard
Payment
Loan
Trend
Stable
First-Timers
Financing share
100%
BDC Commercial Real Estate Loan provides up to Typically starts at $100,000 and can reach several million dollars, depending on the project. May finance up to 100% of project cost. Term loan for acquiring, constructing or renovating commercial property, with possible interest-only payments at the start. Applications are accepted on an ongoing basis.
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Eligibility & Details

What this program funds and who can apply

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Program Description

Term loan for acquiring, constructing or renovating commercial property, with possible interest-only payments at the start. Typically starts at $100,000 and can reach several million dollars.

Eligibility Requirements

  • Canadian business registered and active in Canada.
  • Typically operating and generating revenue for at least 24 months.
  • Must demonstrate profitability or a clear path to profitability, with a good credit history.
  • Owners, CEO and shareholders must have reached the age of majority.
  • Financing is for property acquisition, construction, renovation or related expenses.
  • Usually requires the property as collateral and may require a personal or corporate guarantee.
  • Not for private schools, retirement homes or projects zoned for residential use.
Provinces
Industries
All
Business Stage
Startup Growth Established

Quick Assessment

Difficulty
Hard
Competition
Moderate
First-Timer
Not rated

Funding Details

Amount
Typically starts at $100,000 and can reach several million dollars, depending on the project. May finance up to 100% of project cost.
Type
Loan
Level
Federal
Financing share
Up to 100% of eligible costs
Deadline
Continuous. No application deadline is published.

Program Scorecard

Competition, effort, and approval at a glance

Competition
Moderate
Deadline
Ongoing
Approval
Varies
Accessibility
--/5
Competition
--/5
Approval Rate
--%
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What's in this Playbook

Everything you need to secure BDC Commercial Real Estate Loan

Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.

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How to qualify

Insider tips, common pitfalls, and what successful applicants look like

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Insider Tip

Ask about the interest-only period.

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Rejection Pitfalls 6

  • Less than about 24 months of operating and revenue history
+5 more pitfalls
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Success Profile

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Evaluation Criteria

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Application Playbook

Step-by-step process, required documents, and expenses

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Application Steps

1 Submit a loan request online Tell BDC about the project and provide information about your business. BDC states it is a few questions with no impact on your credit.

Required Documents 3

A solid business plan with realistic projections and clear objectives
Collateral, usually the property itself, and possibly a personal or corporate guarantee

Eligible Expenses 5

Ineligible Expenses 3

Deadline Notes

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Funding Stack Strategy

Compatible programs, clawback risk, and combined funding potential

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Stacking partner data not yet available.

Combined Funding Potential See your total funding potential

Clawback Risk

Not-applicable Risk

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How BDC Commercial Real Estate Loan Compares

Side-by-side with similar programs

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Program Amount Difficulty Payment Deadline
BDC Commercial Real Estate Loan Typically starts at $100,000 and... Hard Loan Continuous. No...
Black Entrepreneurship Program Up to $250,000 Moderate Loan Ongoing
Canada Small Business Financing Program Up to $1.15 million Easy Mixed (Advance + Reimb.) Ongoing
Futurpreneur Canada Startup Program Up to $75,000 Moderate Loan Ongoing
Futurpreneur Black Entrepreneur Start... Up to $75,000 Moderate Loan Ongoing

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Frequently Asked Questions

Quick answers to the questions founders most often ask about BDC Commercial Real Estate Loan

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