Loan
Federal
Active
BDC Technology Companies Loan
BDC
Loan Range
Customized term loan tailored to the borrower's needs and cash...
Ongoing — no application deadline stated; applicants can submit a loan reques...
Difficulty
Moderate
Payment
Loan
Trend
Stable
First-Timers
—
Financing share
Varies
BDC Technology Companies Loan provides up to Customized term loan tailored to the borrower's needs and cash flow; no fixed per-applicant cap stated on the program page. Term loan tailored to Canadian technology businesses, including SaaS and digital services, without requiring share collateral. 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 tailored to Canadian technology businesses, including SaaS and digital services, without requiring share collateral.
Eligibility Requirements
- Canadian technology businesses, including software or SaaS, digital services and technology-enabled businesses.
- Must be based in Canada and generating revenue.
- Must have a good credit track record.
- Financing can take recurring revenue such as ARR or MRR into account.
Provinces
Industries
Business Stage
Quick Assessment
Difficulty
Moderate
Competition
Moderate
First-Timer
Not rated
Funding Details
- Amount
- Customized term loan tailored to the borrower's needs and cash flow; no fixed per-applicant cap stated on the program page.
- Type
- Loan
- Level
- Federal
- Deadline
- Ongoing — no application deadline stated; applicants can submit a loan request online.
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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How to qualify
Insider tips, common pitfalls, and what successful applicants look like
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Insider TipNo share collateral is required, so founders can retain control while scaling.
Rejection Pitfalls 4
- Not based in Canada
+3 more pitfalls
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Success Profile
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Evaluation Criteria
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All 4 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 Technology Companies Loan
Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.
- 4 rejection pitfalls reviewers flag — so you catch them first
- 5-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
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Application Playbook
Step-by-step process, required documents, and expenses
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3 steps
5 docs
Application Steps
1
Submit a loan request online Tell BDC about your project and provide information about your business.
Required Documents 5
✓ Business financial statements
✓ Recurring revenue metrics such as ARR or MRR
Eligible Expenses 5
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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See which programs combine with this one — and how much more you could get.
How BDC Technology Companies Loan Compares
Side-by-side with similar programs
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| Program | Amount | Difficulty | Payment | Deadline |
|---|---|---|---|---|
| BDC Technology Companies Loan | Customized term loan tailored to... | Moderate | Loan | Ongoing — no application... |
| Strategic Response Fund (formerly Str... | Minimum $10 million contribution | Hard | Mixed (Advance + Reimb.) | Ongoing — continuous... |
| CanExport SMEs | Up to $50,000 | Moderate | Mixed (Advance + Reimb.) | Between intakes — the... |
| Innovative Solutions Canada | up to $150,000 | Hard | Milestone-Based | Challenge-specific — new... |
| Ocean Supercluster | Up to $5 million | Hard | Reimbursement | Call-specific — no open... |
Related Programs
Other programs you might be eligible for
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Frequently Asked Questions
Quick answers to the questions founders most often ask about BDC Technology Companies Loan
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What information do I need to apply?
Basic business information (legal structure and ownership), financial information (recent financial statements or revenue details), an overview of your business model, and your growth plans (hiring, product development, or market expansion).
How long does it take to get approved?
Approval timelines vary depending on the complexity of your request; providing clear financial information and well-defined growth plans can help support a smoother review.
What types of technology companies are eligible?
A wide range, including software and SaaS companies, digital services firms, and technology-enabled businesses at various stages of growth, based in Canada.
What can the loan be used for?
Hiring or retaining talent, investing in cloud infrastructure, software or digital tools, product development and innovation, and market expansion or go-to-market initiatives.
How is this different from raising venture capital?
A loan provides capital without requiring you to give up ownership; unlike venture capital, it doesn't involve issuing shares or diluting equity.
Can I get financing based on recurring revenue (ARR/MRR)?
Yes. Financing can take recurring revenue such as ARR or MRR into account, which is common for SaaS and subscription-based businesses.
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Full Playbook: BDC Technology Companies Loan
3 steps · 5 docs · reviewer insights