BDC Technology Companies Loan
Compared with the 242 other application forms we have read
- Scored mainly on whether you can afford it and pay it back. 42 lead with that.
- States real length limits, about 167 words in total. Only 64 tell you how long to write.
- Only 1 written answer, against a median of 5.
Do you qualify for this loan?
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We use this program’s real eligibility rules. 4 short questions follow.
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Eligibility & Details
What this program funds and who can apply
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.
Quick Assessment
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
Moderate — standard application process
Moderate competition — prepare a strong application
Moderate — standard requirements
How to qualify
Insider tips, common pitfalls, and what successful applicants look like
Insider TipNo share collateral is required, so founders can retain control while scaling.
Rejection Pitfalls 4
- Not based in Canada
Success Profile
Evaluation Criteria
How BDC judges your application
What the reviewer scores, what gets applications rejected, and what to write.
Distilled from 6+ source documents on bdc.ca, condensed into one brief. Sources as of 2026-09-07.
6 of the sources
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What BDC favours
Eligibility looks at business model, revenue, growth and financial health◦
“Eligibility is based on factors such as your business model, revenue profile, growth plans and financial health—not just your industry classification.”
The form
General questions
- 1General questionsshort answerno limit
- 2General questionsshort answerno limit
- 3General questionsshort answerno limit
- 4General questionsselectionno limit
- 5General questionswritten answer · 999 characters
Comments or questions
bar = length the funder allows, from its stated limits
Judged against
- 1
Is this a real, revenue-generating tech business?
Show them Describe your business model and your current revenue profile in the request, in the numbers a lender can check.◦
In the funder’s words · 2
- Business model
- Revenue profile
- 2
What will the money do for growth?
What to show, and the funder’s 1 criterion behind it in Premium
- 3
Can the business carry and repay a loan?
What to show, and the funder’s 3 criteria behind it in Premium
2 questions the reviewer answers about you, in Premium.
Premium · the rest of this brief
See all 3 rules that can reject you and every criterion you are judged on. Then we draft your application for you.
4 more criteria · 4 more prompts
Do you pass?
Each one can rule you out. Tick the ones you meet.
Your business
Based in Canada
Based in Canada
Generating revenue
Generating revenue
Good track record
Good track record
Documents to attach
Ticks are kept on this device.
The money
Repayment flexibilityInterest-only start, flexible repayment schedule
Get breathing room to ramp up with the possibility of interest-only payments at the start of the loan, a customized repayment schedule according to your cash flow and the option to pay off your principal at the end of the term.
What it pays for · 7
- Accelerate your go-to-market
- Develop new products or solutions
- Hire employees
- Invest in sales, advertising, and marketing
- Buy another business
- Expand into new markets
- Invest in projects in between rounds of funding
From application to money
- Speak with a representativeTalk to a BDC representative
- Submit loan requestSubmit request via online form
- Receive a loan offerTimeline varies with request complexity
In the funder’s words · 3
- Speak with a representative
- A conversation with a BDC representative is required, and you provide the business and project information and documents needed for analysis.
- Submit loan request
- You start with the public online contact/request form and a Client Space account is required to complete the online loan request process.
- Receive a loan offer
- Approval timelines vary depending on the complexity of your request and the information you provide.
Quoted lines are word for word from the source documents; lines marked ◦ are our reading of them.
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
Application Playbook
Step-by-step process, required documents, and expenses
Application Steps
Required Documents 5
Eligible Expenses 5
Deadline Notes
Funding Stack Strategy
Compatible programs, clawback risk, and combined funding potential
Stacking partner data not yet available.
Clawback Risk
Not-applicable RiskHow BDC Technology Companies Loan Compares
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Frequently Asked Questions
Quick answers to the questions founders most often ask about BDC Technology Companies Loan