Updated August 2026 · Verified against BDC guidelines
✓ First-Timer Friendly Loan
Loan Federal Active

BDC Working Capital Loan

BDC
Loan Range
Not published. BDC sizes the loan case by case against your...
Continuous. No application deadline is published.
Visit Official Program →
Difficulty
Moderate
Payment
Loan
Trend
Stable
First-Timers
Friendly ✓
Financing share
Varies
BDC Working Capital Loan provides up to Not published. BDC sizes the loan case by case against your operating needs, cash flow and overall financial profile rather than applying a fixed formula. Term loan for day-to-day operations such as inventory, suppliers, marketing, hiring, certifications or green retrofits. 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 for day-to-day operations such as inventory, suppliers, marketing, hiring, certifications or green retrofits. Amount is determined case by case.

Eligibility Requirements

  • Canadian businesses based in Canada.
  • Must be generating revenue for 12 months or more.
  • Must be generating revenue and have a good credit track record.
  • Funds are for day-to-day operations such as inventory, suppliers, marketing, hiring, certifications or green retrofits.
Provinces
All Provinces
Industries
All
Business Stage
Startup Growth Established

Quick Assessment

Difficulty
Moderate
Competition
Moderate
First-Timer
Friendly

Funding Details

Amount
Not published. BDC sizes the loan case by case against your operating needs, cash flow and overall financial profile rather than applying a fixed formula.
Type
Loan
Level
Federal
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
--%
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What's in this Playbook

Everything you need to secure BDC Working Capital Loan

Not a marketing summary. The actual checklist, intel, and stack strategy reviewers look for.

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How to qualify

Insider tips, common pitfalls, and what successful applicants look like

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Insider Tip

Two levers make this loan cheaper to carry than its rate suggests.

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Rejection Pitfalls 4

  • Less than 12 months of revenue, or not currently generating revenue
+3 more pitfalls
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Success Profile

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Evaluation Criteria

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4 reasons applications get rejected, what approved applicants look like, and exactly what lenders look for
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Application Playbook

Step-by-step process, required documents, and expenses

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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 1

✓ Information about your business and your financing need, submitted with the online loan request. BDC identifies the documents required for its analysis on the call that follows

Eligible Expenses 9

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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How BDC Working Capital Loan Compares

Side-by-side with similar programs

Free
Program Amount Difficulty Payment Deadline
BDC Working Capital Loan Not published. BDC sizes the loan... 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 Working Capital Loan

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