BDC Working Capital Loan

Financing for Working Capital

Through the Business Development Bank of Canada (BDC), your company may be eligible for a loan of up to $150,000 for Working Capital. This loan can be accessed on it’s own, or in combination with the Canada Small Business Financing Program.

Successful growth projects can take your business to the next level, but they can’t always be implemented with the working capital you have on hand.
BDC helps you finance these vital initiatives, such as:

  • Developing new products
  • Launching new products
  • Adding e-commerce to your business
  • Upgrading your marketing and promotion strategy

BDC can offer repayment periods of up to 8 years which helps free up cash flow.

You will have an option to defer payments on principal for up to 12 months which will provide you with the boost you need in cash flow particularly while you start-up, as you are only beginning to generate a return on the new project.

With this loan, you are also limiting your personal risk, as BDC offers collateral requirements that exclude your personal assets.

With customized repayment schedules, the loan is matched to the seasonality of your business or the progressive cash flow patterns of your business.

As your business flourishes, you will be able to pay down debt when your business has surplus cash flow, with the 15% annual repayment feature that excludes penalties.

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New or Existing Business:
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Online / Home-basedPhysical Location


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