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Government of Canada, Business Development Bank of Canada
BDC Financing — Equipment Purchase Loan
Amount
Varies
Deadline
Rolling
Odds
Not published
Effort
30–60 minutes
Can you get this?
✓Business must be based in Canada
✓At least 12 months generating revenue
✓Must be generating revenue (profitable)
✓Good credit history required
Your real odds
This is a rolling loan program with no application deadline, so timing is not a barrier, but creditworthiness and revenue history are.
BDC is a government-backed development bank, and approval depends on your financial profile rather than a limited pool of winners. Businesses with thin credit history or under 12 months of revenue will not meet the minimum bar.
What it takes
Submit an online loan request describing your project and business30–60 minutes
Speak with a BDC representative and provide required financial documents1–5 business days
Review and accept a tailored loan offer if approvedDays to a few weeks
Worth knowing
BDC will finance up to 125% of the equipment purchase price, so you can roll in costs like shipping, installation, and training, and you can choose interest-only payments for up to the first 24 months to protect early cash flow.
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