Administered by Government of Canada · Last verified: July 2026
BDC financing to fund day-to-day operations: inventory, marketing, hiring, payroll, expansion. No fixed asset required as collateral. Used for growth investments that take time to pay off.
Review times vary by program, from a few weeks to a few months, so check the official page for its timeline. Grant money is usually paid after you sign a funding agreement, and cost-shared programs often reimburse you once you send proof of what you spent.
Take the 3-minute quiz to find out, and see every other Canadian program you qualify for at the same time.
Check my eligibilityBDC Working Capital Loan is generally open to incorporated, self-employed, partnership businesses, in any province or territory. Confirm the full criteria on the official program page before applying.
The estimated value is Up to $250,000 with no fixed asset. The actual amount depends on your eligible costs, the program's budget, and approval.
1. Define the working capital need 2. Apply through BDC online 3. Receive funds typically within 2-4 weeks
Rolling.