What is BDC Financing — Small Business Loan and Growth Capital?
BDC Financing — Small Business Loan and Growth Capital is delivered by Business Development Bank of Canada (BDC) as a advisory + loan. Funding is typically up to $350,000 online Small Business Loan; Start-up Financing up to $150,000; Pivot to Grow up to $2M for tariff-affected exporters; larger financing via Growth and Transition Capital. This page covers eligibility, intake status, and what an application actually requires.
At a glance
| Funding amount | Up to $350,000 online Small Business Loan; Start-up Financing up to $150,000; Pivot to Grow up to $2M for tariff-affected exporters; larger financing via Growth and Transition Capital |
|---|---|
| Cost share | N/A (loan) |
| Level | Federal |
| Program type | Advisory + Loan |
| Delivered by | Business Development Bank of Canada (BDC) |
| Available in | All provinces |
| Intake status | Open - Rolling |
| Last verified | 2026-10-19 |
Who qualifies
- Eligible industries: All sectors
- Employee count: min 1, max 250
- Eligible activities: Growth acceleration; operational improvements; market expansion; working capital
Watch out for
Startups without revenue; non-incorporated; purely real estate
Deadlines & how to apply
Apply anytime at bdc.ca. Online Small Business Loan up to $350K (was listed at $100K). Start-up Financing up to $150K for businesses 12 to 24 months old. Pivot to Grow loan up to $2M for businesses hit by US trade challenges. Generally needs 12+ months of revenue and about $100K annual sales. Accelerator Loan Guarantee and Growth and Transition Capital terms not re-checked this run. Page shows no update date; confirm terms with BDC.
How NorthGrants helps with BDC Financing — Small Business Loan and Growth Capital
Most business owners read about BDC Financing — Small Business Loan and Growth Capital, see the funding amount, and stop. The hard part isn't finding the grant. It's building a complete application that answers what the program asks for.
NorthGrants builds the full application framework for you: a tailored project narrative aligned to this program's evaluation criteria, a budget structure that maps to eligible costs, and the supporting documentation checklist. You review it, refine the parts only you can write, and submit.