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DeductlyCA
ProgramsHow it worksTry it liveLearnWatchPricing
FRLog inStart free
All programs
INCENTIVEAll of Canada

BDC Working Capital Loan

Last verified: June 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.

See if I qualifyOfficial page
Estimated value
Up to $250,000 with no fixed asset
Approval likelihood
High
Ready to apply score
100/100
Documents needed
3

Eligibility

  • Business types:incorporated, self-employed, partnership
  • Industries:All industries
  • Provinces:All of Canada
  • Min revenue:$100,000

What you'll need

  • Financial statements (last 2 years)
  • Business plan with use of funds
  • Personal credit history (for smaller loans)

How to apply

  1. 1Define the working capital need
  2. 2Apply through BDC online
  3. 3Receive funds typically within 2-4 weeks
Deadline:Rolling

Is your business a fit for BDC Working Capital Loan?

Take the 3-minute quiz to find out, and see every other Canadian program you qualify for at the same time.

Check my eligibility

Related programs

INCENTIVE

BDC Growth & Transition Capital

Up to $5,000,000

INCENTIVE

Canada Small Business Financing Program (CSBFP)

Up to $1,000,000 in financing

INCENTIVE

AgriStability

Up to 70% of margin decline

A monthly digest

New programs, in your inbox.

We are in beta. Drop your email and we will write when the first digest is ready. Monthly cadence, easy unsubscribe.

Deductly CA

Every Canadian grant, tax credit, and deduction your business qualifies for. In one ranked list.

Start the assessment
Product
  • Eligibility quiz
  • All programs
  • Watch (live changes)
  • The funding journey
  • When to apply
  • Stackability map
  • Document checklist
  • Calculators
  • Tracker
  • Learn
  • Pricing
Resources
  • For accountants
  • Public API
  • RSS feed
  • What's new
  • Roadmap
  • Press
  • vs ChatGPT
  • vs Benefits Finder
By province
  • Ontario
  • British Columbia
  • Alberta
  • Quebec
  • Manitoba
  • Saskatchewan
By industry
  • Technology & Software
  • Manufacturing
  • Retail & E-commerce
  • Food & Beverage
  • Professional Services
  • Creative & Media
For
Women entrepreneursNewcomersIndigenous businessYouth foundersBlack entrepreneursFirst-hire employers
Recent guides
Deductions · 8 min

Every deduction Canadian small businesses miss

Grants · 10 min

8 grants every Canadian founder should know about

Deductions · 7 min

The Small Business Deduction, fully explained

© 2026 DeductlyPrivacyTermsAboutFrançaisContact
All systems operational

Deductly is a discovery tool, not a tax filer. Information is provided for educational purposes. Always confirm program details and eligibility with a qualified Canadian accountant before applying or claiming any benefit.