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Business Development Bank of Canada (BDC)
BDC Small Business Loan
Amount
Up to $350,000
Deadline
Rolling
Odds
Not published
Effort
15 minutes
Can you get this?
✓Business must be located in Canada
✓At least 24 months in business
✓Personal credit score of 600 or higher
✓Business must be currently generating profits
✓Minimum $100K annual revenue (loans under $100K)
Your real odds
This is a rolling loan program with no competitive cohort, so approval depends on your individual creditworthiness rather than beating other applicants.
BDC reviews each application on its own merits, and meeting the listed criteria does not guarantee approval because BDC conducts a full review of the business and its owners.
What it takes
Check eligibility (revenue, credit score, profitability, 24 months in business)15 minutes
Complete the online application — no credit check at this stageA few minutes
Await approval decisionUnder 10 days for under $100K; under 30 days for $100K–$350K
Worth knowing
Loans under $100K come with no application or prepayment fees and up to six months of interest-only payments, so the smaller tier carries less risk if you are early in your growth curve.
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