Purchase Order Financing Fulfill large orders with less stress

Get the cash you need to meet customer demand. Finance large orders quickly, settle with suppliers directly and take up to 18 months to repay your loan.*

Take larger orders

Buy more inventory

Enter new markets

Just a few questions. No impact on credit.

Large orders looming? No problem. Purchase Order Financing from BDC lets you pay your suppliers directly, without sacrificing your company’s day-to-day cash so you don’t miss out on future sales.

Are we a good fit?

Check out some of the general requirements to get purchase order financing with BDC.

New to financing? Take a look at our FAQ.

Minimum requirements

Location	Based in Canada
Time generating revenue	12 months +
Profitability	Generating revenue
Credit history	Good track record

Applying is easy

Submit a loan request online

Tell us about your project and provide information about your business.

Talk to a representative

We will call you to discuss your project in depth, including the documents needed for our analysis.

Get a tailored solution

If you’re approved, we’ll send you a loan offer based on your financial needs and capabilities.

Perfect for projects big and small

Take your business to the next level

Take on larger orders and new clients
Purchase more inventory to fulfill orders quickly
Expand into new markets
Pay suppliers upfront to get special discounts
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.

Make your purchase orders go further

Pay your suppliers directly

We don’t do factoring. The funds are disbursed to you so you can pay your suppliers and reimburse BDC directly.

Finance a higher portion of your order

Finance up to 90% of the order value** and take up to 18 months to repay your loan.

Breathe easy with interest-only and balloon payments

Align your loan repayment to the PO payment terms. Take advantage of interest-only payments and one balloon payment at the end of the term.

Get the funds in Canadian or US dollars

We can disburse your money in Canadian or US dollars, so you don't have to worry about currency fluctuations.

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

committed exclusively to business owners

93%

of our clients are satisfied with our services

$435B

revenues generated by our clients

Still have questions?

What is purchase order financing and how does it work?

Purchase order financing helps your business cover supplier costs so you can fulfill customer orders, even when cash flow is tight. This type of financing provides the capital you need to produce and deliver the goods if you receive a confirmed purchase order but don’t have the funds to support the production costs or pay your suppliers for the material costs. Once the order is delivered and your customer pays, you repay the financing. This approach helps bridge the gap between taking an order and getting paid—so you can keep operations running smoothly.

Learn more about purchase order financing

What’s the difference between purchase order financing and invoice factoring?

Purchase order financing provides funds to pay suppliers or cover production costs before you deliver an order. Invoice factoring, on the other hand, gives you access to cash after you’ve delivered goods or services and issued an invoice to your customer. Both options can help support business growth tied to customer orders. The right choice depends on when you need the cash and how your cash flow is structured.

When should a business choose purchase order financing instead of invoice factoring?

Purchase order financing is a good option when your business has a confirmed order but doesn’t have the cash to buy inventory or pay suppliers upfront. It helps you cover those costs so you can fulfill the order. On the other hand, invoice factoring is better suited to situations where you’ve already delivered the goods or the services and are waiting for customer payment—typically within a 30– to 90-day timeframe. Choosing the right solution depends on when you need the cash and how you want to manage your cashflow.

Can I use purchase order financing to pay suppliers or buy inventory?

Yes. Purchase order financing can help businesses pay suppliers, buy inventory, or manufacture goods to fulfil large or unexpected customer orders. It’s designed to bridge short‑term cash flow gaps so you can take advantage of opportunities and keep operations moving.

Is purchase order financing available to Canadian businesses?

Yes. Purchase order financing is available to Canadian businesses, making it easier for companies that sell physical goods to get the short-term funding they need to fulfil confirmed customer orders. This flexible solution helps you bridge cash flow gaps, enabling you to deliver on your commitments and seize new opportunities.

For more financing topics, take a look at our FAQ.

Keep your business running at its best

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We’ll get back to you as soon as we can.

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Call us

Call our Client Contact Centre.

1-877-232-2269

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We are here to help you.

*Conditions apply. Subject to loan approval.

** Excluding taxes, deposits and other payments received from the buyer.