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Government of Canada, Business Development Bank of Canada
BDC Financing — Start-up
Amount
Varies
Deadline
Rolling
Odds
Not published
Effort
30–60 minutes
Can you get this?
✓Business must be located in Canada
✓At least 12 months in business
✓Must be generating revenue
✓Good credit history required
Your real odds
This is a rolling loan program with no published acceptance rate, and BDC reviews overall business potential and your plan rather than banking ratios alone.
BDC is a government-backed development bank, so it is generally more accessible to early-stage businesses than a traditional lender, though you still need demonstrated revenue and a solid credit track record.
What it takes
Submit an online loan request and eligibility check30–60 minutes
Speak with a BDC representative and provide supporting documents1–2 weeks
Receive and review your tailored loan offer if approvedDays after analysis
Worth knowing
BDC offers up to 12 months of interest-only payments at the start of the loan, which protects cash flow during your early phase and is an advantage most standard bank loans do not carry.
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$19/month · cancel anytime