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.
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.
- All owners must be of the age of majority in their province or territory, and the business (or, for sole proprietors and partnerships, its owners) must be Canadian. The business must be a commercial enterprise — not a government body, union, religious or charitable organization or a fundraising vehicle. BDC's application asks you to attest the business has never been charged with, pled guilty to, or been convicted of tax evasion or a criminal offence of any nature. Ten industries and activities are excluded: market speculation, residential property financing, private schools, nursing/rehabilitation/personal care, cannabis, virtual currencies and NFTs, arms and ammunition, bars and lounges, gambling, and financing or cheque-discounting businesses.
Provinces
Industries
Business Stage
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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How to qualify
Insider tips, common pitfalls, and what successful applicants look like
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Insider TipTwo 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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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 Working Capital 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 the project and provide information about your business. BDC states it is a few questions with no impact on your credit. A BDC Client Space account is required to complete the request; you can create one during the application. A BDC Client Space account is required to complete the request; you can create one during the application.
Required Documents 5
✓ Complete and up-to-date business information as listed in your business registry
✓ Names, email addresses, home address and mobile phone numbers for the company's owners, members of the board of directors, and shareholders (if applicable)
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
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| 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 |
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 Working Capital Loan
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How is the loan amount decided?
It is based on your business's operating needs, cash flow and overall financial profile. BDC assesses how the financing will support day-to-day operations and help maintain or stabilize cash flow, rather than applying a fixed formula.
What are the minimum requirements?
Based in Canada, generating revenue for 12 months or more, currently generating revenue, and a good credit track record. Each application is then reviewed individually against your financial situation, operating history and the purpose of the financing.
How long do I have to repay, and can I start with lower payments?
Up to 8 years, with payments matched to your cash-flow cycle. You can pay interest only for up to the first 24 months of the loan.
What can I use the money for?
Buying inventory, paying suppliers, expanding into new markets, developing new products, protecting intellectual property, launching a marketing campaign, obtaining industry-specific certifications, hiring or training employees, and energy efficiency, green retrofit or sustainability projects.
How is this different from a line of credit?
A working capital loan is a term loan with scheduled repayments, while a line of credit is typically revolving and can be reused as you repay the balance. BDC focuses on term loans that offer stability and predictable payments rather than revolving operating lines.
How does the loan show up on my balance sheet?
As a liability. The amount you must repay within the next 12 months is recorded as a current liability, and the remaining balance is classified as long-term debt.
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Full Playbook: BDC Working Capital Loan
3 steps · 5 docs · reviewer insights