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Government of Canada, Business Development Bank of Canada
BDC Financing — Working Capital Term 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
✓Good credit track record required
Your real odds
This is a rolling loan program with no application window, so you can apply at any time.
BDC is a government-backed lender focused on Canadian small businesses, and its approval criteria are more flexible than a traditional bank, but you still need demonstrated revenue and creditworthiness. Approval rates and timelines are not published.
What it takes
Submit a loan request online describing your project and business30–60 minutes
Speak with a BDC representative who will outline required documents1–2 weeks
Receive a tailored loan offer if approvedVaries by application complexity
Worth knowing
BDC evaluates team skills and project potential alongside standard banking ratios, which benefits founders who don't yet have strong balance sheets, and the loan offers interest-only payments for up to 24 months at the start to protect cash flow during growth phases.
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$19/month · cancel anytime