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Government of Canada, Business Development Bank of Canada
BDC Capital — Growth & Transition Capital — Working Capital
Amount
Varies
Deadline
Rolling
Odds
Not published
Effort
1–2 hours
Can you get this?
✓Financing from $250,000 to $35M available
✓Must be established or high-growth firm
✓Strong management team required
✓Quality financial reporting must be demonstrated
✓Insufficient tangible assets for conventional financing
Your real odds
This is a rolling loan program with no application deadline, so your odds depend on your financial profile and BDC's assessment rather than a competitive grant cycle.
BDC is a federal Crown corporation with a broad mandate to fund Canadian businesses, which makes this more accessible than competitive grants, but loans from $250K to $35M require demonstrated management strength and credible growth plans.
What it takes
Apply online through BDC's portal1–2 hours
Work with a local BDC Growth & Transition Capital expert to structure the dealDays to weeks
Provide financial statements and reporting documentation for assessment1–2 weeks
Finalize repayment terms tailored to your cash flowsVaries by deal complexity
Worth knowing
BDC explicitly accommodates businesses without positive cash flow through its quasi-equity option, so if you're pre-profitability but can forecast strong near-term cash flow, you're not automatically disqualified.
What else do you qualify for?
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