Loan
Federal
Active
BDC Purchase Order Financing
BDC
Loan Range
Loan of up to 90% of the confirmed order value, excluding...
Continuous. No application deadline is published.
Difficulty
Moderate
Payment
Loan
Trend
Stable
First-Timers
Friendly ✓
Financing share
90%
BDC Purchase Order Financing provides loan of up to 90% of the confirmed order value, excluding taxes, deposits and other payments received from the buyer. Short-term loan to cover supplier costs for confirmed purchase orders of physical goods. 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
Short-term loan to cover supplier costs for confirmed purchase orders of physical goods. BDC disburses funds to the borrower rather than via factoring, so suppliers can be paid directly.
Eligibility Requirements
- Canadian businesses selling physical goods.
- Must have confirmed purchase orders.
- Business must be based in Canada and generating revenue for 12 months or more.
- Must have a good credit track record.
- Funds are disbursed to the borrower to pay suppliers directly; BDC does not factor receivables.
Provinces
Industries
Business Stage
Quick Assessment
Difficulty
Moderate
Competition
Moderate
First-Timer
Friendly
Funding Details
- Amount
- Loan of up to 90% of the confirmed order value, excluding taxes, deposits and other payments received from the buyer.
- Type
- Loan
- Level
- Federal
- Financing share
- Up to 90% 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 TipRepayment can be aligned to the payment terms of the purchase order itself, using interest-only payments during the order cycle and a single balloon payment at the end, and BDC can disburse in Canadian or US dollars so a US-denominated supplier bill does not expose you to currency swings.
Rejection Pitfalls 5
- No confirmed purchase order. This product funds an order, not general working capital
+4 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 5 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 Purchase Order Financing
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 5 rejection pitfalls reviewers flag — so you catch them first
- 1-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
1 docs
Application Steps
1
Submit a loan request online Tell BDC about the order and provide information about your business. It is a short form and BDC states there is no impact on your credit.
Required Documents 1
✓ A confirmed customer purchase order. BDC identifies the rest of the documents needed for its analysis on the call that follows your online request
Eligible Expenses 4
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 Purchase Order Financing Compares
Side-by-side with similar programs
Free
| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| BDC Purchase Order Financing | Loan of up to 90% of the confirmed... | Moderate | 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 Purchase Order Financing
Free
What is purchase order financing and how does it work?
It covers supplier costs so you can fulfil a customer order when cash flow is tight. If you receive a confirmed purchase order but do not have the funds to support production costs or pay suppliers for materials, this provides that capital. Once the order is delivered and your customer pays, you repay the financing.
How much of the order will BDC finance, and how long do I have to repay?
Up to 90% of the order value, excluding taxes, deposits and other payments received from the buyer, with up to 18 months to repay.
Is this factoring? Does BDC deal with my customer?
No. BDC does not do factoring. The funds are disbursed to you so you can pay your suppliers, and you reimburse BDC directly.
When should I use this instead of invoice factoring?
Purchase order financing is the right tool when you have a confirmed order but not the cash to buy inventory or pay suppliers up front. Invoice factoring suits the opposite moment, after you have delivered and issued an invoice and are waiting on payment, typically within 30 to 90 days.
What are the minimum requirements?
Based in Canada, generating revenue for 12 months or more, currently generating revenue, and a good credit track record.
Can I get the money in US dollars?
Yes. BDC can disburse in Canadian or US dollars, so a supplier bill in US dollars does not expose you to currency fluctuations.
Browse More Funding
Full Playbook: BDC Purchase Order Financing
3 steps · 1 docs · reviewer insights