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.
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.
Eligibility check
Do you qualify for this loan?
Get your instant eligibility verdict plus a head start on the application. Free, no account needed.
We use this program’s real eligibility rules. 4 short questions follow.
Want your full match picture across 850+ programs? Take the 2-minute quiz →
Eligibility & Details
What this program funds and who can apply
Free
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
Business Stage
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
--%
Premium
See your real odds on this program — and exactly what it takes to win it.
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
Premium
Insider TipAsk about the interest-only period.
Premium
See what trips up most applicants for this program — and how to avoid it.
Rejection Pitfalls 6
- Less than about 24 months of operating and revenue history
+5 more pitfalls
Premium
See the most common reasons applications get rejected — before you submit yours.
Success Profile
Premium
See what successful applicants for this program actually look like.
Evaluation Criteria
Premium
See exactly what lenders look for — so you know where to focus.
Premium
All 6 pitfalls, the checklist and the reviewer notes are in the Playbook below. See what it includes ↓
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.
- 6 rejection pitfalls reviewers flag — so you catch them first
- 3-document checklist with what each reviewer is actually checking
- Your Application Game Plan — the print-ready PDF the preview below describes
- 3-step application timeline with prep hours per step
- Insider tip from program officers on what separates winners
- Success profile + evaluation criteria — exactly what lenders look for
Premium covers every program, plus the workspace that walks you through each application.
Application Playbook
Step-by-step process, required documents, and expenses
Premium
3 steps
3 docs
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
Premium
Get the step-by-step application guide — documents, timeline, and what to prepare.
Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Premium
Stacking partner data not yet available.
Combined Funding Potential
See your total funding potential
Clawback Risk
Not-applicable Risk
Premium
See which programs combine with this one — and how much more you could get.
How BDC Commercial Real Estate Loan Compares
Side-by-side with similar programs
Free
| 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 |
Related Programs
Other programs you might be eligible for
Free
Frequently Asked Questions
Quick answers to the questions founders most often ask about BDC Commercial Real Estate Loan
Free
What is the minimum and maximum loan amount?
BDC states the Commercial Real Estate Loan typically starts at $100,000 and can go up to several million dollars, depending on the project and eligibility. The amount approved depends on factors such as the business's financial health, cash flow and growth potential.
Do I need a down payment?
No down payment is required for a business loan with BDC, but certain purchases such as real estate may require one. Depending on the project, BDC will consider financing up to 100% of the project cost, covering expenses like moving costs and down payments.
Am I eligible?
Your business must be registered and active in Canada, typically operating and generating revenue for at least 24 months, able to demonstrate profitability or a clear path to it, with a good credit track record for the business and its owners, and owners, CEO and shareholders who have reached the age of majority.
How is this different from a commercial mortgage?
A commercial mortgage is secured by the property, requires a down payment of roughly 20 to 35 percent and usually runs 5 to 25 years. A commercial real estate loan is more flexible: it can cover property costs plus related expenses like construction, renovation or down payments, may finance up to 100% of project costs, offers interest-only periods, and uses the property plus other assets as collateral.
What credit score do I need?
BDC does not publish a threshold. It states that a good credit score helps but that it looks at overall financial health and growth potential rather than the number in the credit report, and that each situation is unique.
What will this loan not cover?
It does not cover the construction or operation of private schools, retirement homes or projects zoned for residential use.
Browse More Funding
Full Playbook: BDC Commercial Real Estate Loan
3 steps · 3 docs · reviewer insights