BDC Purchase Order Financing
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Eligibility & Details
What this program funds and who can apply
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.
Quick Assessment
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
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
- 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
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
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
Success Profile
Evaluation Criteria
Application Playbook
Step-by-step process, required documents, and expenses
Application Steps
Required Documents 1
Eligible Expenses 4
Deadline Notes
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Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Stacking partner data not yet available.
Clawback Risk
Not-applicable RiskHow BDC Purchase Order Financing Compares
Side-by-side with similar programs
| 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 |
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Frequently Asked Questions
Quick answers to the questions founders most often ask about BDC Purchase Order Financing