Scale your business without giving up ownership. Our loans are tailored to your needs and cash flow, so you have the flexibility to achieve your goals. Our experts across Canada focus on your potential, not on banking ratios and tangible assets—no matter your stage of growth.
Are we a good fit?
Check out some of the general requirements to get a tech company loan with BDC.
New to financing? Take a look at our FAQ.
| Location | Based in Canada |
|---|---|
| Profitability | Generating revenue |
| Credit history | Good track record |
Applying is easy
Reach your next milestone
Perfect for projects big and small
- Accelerate your go-to-market
- Develop new products or solutions
- Hire employees
- Invest in sales, advertising, and marketing
- Buy another business
- Expand into new markets
- Invest in projects in between rounds of funding
- 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.
Grow your own way
Keep your business in your hands longer
There’s no need to sell your shares as collateral, so you can retain control of your business as you grow.
We’re founder-friendly
We prioritize your needs and goals with early intervention, tailored support and more flexible financing options. We look beyond ratios and tangible assets and at the potential of your business. Just ask the more than 4,000 Canadian tech entrepreneurs we actively support.
Terms tailored to your needs
Get breathing room to ramp up with the possibility of interest-only payments at the start of the loan, a customized repayment schedule according to your cash flow and the option to pay off your principal at the end of the term.
We offer support at every stage of growth
We have specialized options for you, whether you’re starting, scaling or growing. We also have a network of experts ready to guide you—wherever you are across Canada.
Check out our toolkit for tech businesses and get the tools you need to grow.
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.
Still have questions?
What information do I need to apply for technology company financing?
To apply for a Loan for tech companies, you’ll need to provide information that helps us understand your business, its growth potential and its ability to repay the loan.
This typically includes:
- Basic business information, such as your legal structure and ownership
- Financial information, including recent financial statements or revenue details
- An overview of your business model, explaining how you generate revenue
- Your growth plans, such as hiring, product development or market expansion
The exact information required may vary depending on your situation. A BDC expert can help you understand what’s needed and guide you through the application process so you can prepare with confidence.
How long does it take to get approved for tech business financing?
Approval timelines vary depending on the complexity of your request and the information you provide. Once your application is complete, BDC works to move the process forward as efficiently as possible.
Providing clear financial information and well-defined growth plans can help support a smoother review and decision process.
What types of technology companies are eligible for financing?
Financing for tech companies is available to a wide range of technology businesses operating in Canada. This includes software and SaaS companies, digital services firms, and technology‑enabled businesses at various stages of growth.
Eligibility is based on factors such as your business model, revenue profile, growth plans and financial health—not just your industry classification. If you’re unsure whether your company is a good fit, a BDC expert can help you review your options.
What can a loan for a technology company be used for?
A loan for tech companies can support a range of common growth needs, including:
- Hiring or retaining talent, such as developers or product teams
- Investing in cloud infrastructure, software or digital tools
- Product development and innovation
- Market expansion or go‑to‑market initiatives
The purpose is to support business growth while helping manage cash flow and day-to-day operations.
How is a loan different from raising venture capital?
A loan provides capital without requiring you to give up ownership in your company. Unlike venture capital, it doesn’t involve issuing shares or diluting equity.
For many technology companies, a loan can complement equity financing by helping fund growth while founders and shareholders retain control. The right approach depends on your growth strategy, cash flow and long‑term objectives.
Can I get financing based on recurring revenue (ARR/MRR)?
Yes. Financing can take recurring revenue such as ARR or MRR into account, which is common for SaaS and subscription‑based businesses.
Predictable, recurring revenue can help demonstrate your company’s ability to support loan repayments, even if profitability is still evolving. Each request is assessed based on the overall strength and long-term sustainability of the business.
For more financing topics, take a look at our FAQ.
The BDC difference
“ Our rapid growth put a strain on our cash flow but BDC’s experts truly understood our business! They gave us the financing we needed to bring our company to the next level, and helped us build a digital plan to achieve our ambitious goals! ”
Keep your business running at its best
*Conditions apply. Subject to loan approval.