Working capital loan
Boost your cash flow and your growth

Get working capital to take on big projects without risking your everyday cash.*

*Conditions apply. Subject to loan approval.

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Keep your business running smoothly while you chase new opportunities. We evaluate your project by looking beyond the numbers and analyzing your team’s skills and the potential of your idea.

Are we a good fit?

Check out some of the general requirements to get a working capital loan with BDC.
Minimum requirements
Location Based in Canada
Time generating revenue 24 months +
Profitability Generating revenue
Credit history Good track record

Applying is easy

1
Submit a loan request online
Tell us about your project and provide information about your business.
2
Talk to a representative
We will call you to discuss your project in depth, including the documents needed for our analysis.
3
Get a tailored solution
After evaluating your application, we’ll send you a loan offer based on your financial needs and capabilities.

Perfect for projects, big and small

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Move on to the next step

  • Buy inventory 
  • Pay suppliers 
  • Expand into new markets 
  • Develop new products 
  • Protect intellectual property 
  • Launch a marketing campaign 
  • Obtain industry-specific certifications 
  • Hire or train employees
  • Complete energy efficiency, green retrofit or sustainability projects
  • And more 

You’re in good hands

Choosing a loan is about more than just interest rates. The fine print is just as important—and our terms and conditions are designed to give you more flexibility and financial control over your business.

We’re there in good times and in bad

We’ve supported our clients through market downturns and other events beyond their control.

We're not one size fits all

We take the time to review your business needs and offer solutions that leave you enough breathing room to realize your goals.

We’re committed to you long-term

We won't change our terms and conditions or demand early repayment without a valid reason.

Build big dreams with a working capital loan

Repayment schedule graphic

Breathe easy with interest-only payments

Take a break on us and pay only interest for up to 24 months at the start of your loan.  

A woman talking on the phone

We look beyond your numbers

We go beyond banking ratios when reviewing a project so solid teams with worthy ideas can get an opportunity to see their projects through.

A man holding a phone

Repay, your way

Match payments to your cash flow cycle to avoid using money needed for your day-to-day activities and take up to 8 years to repay your loan.

Let’s build your success together

As Canada’s bank for entrepreneurs, we complement the role of other banks. We take on more risk, offer flexible financing and provide sound advice to help you build a strong, successful and resilient business.
100,000+
entrepreneurs we work with across Canada
$55.4B
commited exclusively to business owners
93%
of our clients are satisfied with our services
$435B
revenues generated by our clients

Keep your business running at its best

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