BDC Co-Lending Program

Up to $12.5 million for your operational cash flow requirements, co-financed by BDC and your primary financial institution.
  • BDC
Overview of the BDC Co-Lending Program program:

The Business Development Bank of Canada (BDC) offers a range of financing solutions designed to support Canadian businesses at every stage of growth. These financing options are tailored to meet the diverse needs of entrepreneurs, providing flexible and accessible funding to help businesses achieve their objectives.

Benefits of the BDC Co-Lending Program program:
  • Flexible Terms: BDC offers flexible repayment terms tailored to the unique needs of each business.
  • Competitive Rates: Access to competitive interest rates helps businesses manage costs effectively.
  • Expert Support: BDC provides ongoing support and advice from experienced professionals who understand the challenges faced by Canadian entrepreneurs.
  • Non-Dilutive Capital: Financing options that do not require giving up equity in the business, allowing owners to retain control.
Eligibility criteria of the BDC Co-Lending Program program:
  • Canadian Business:
  • The business must be legally registered and operating in Canada.
  • Creditworthiness:
  • The business should demonstrate good credit history and financial stability.
  • Owners should also have a good personal credit history.
  • Business Plan:
  • A solid business plan outlining the purpose of the loan, how the funds will be used, and the expected benefits to the business.
  • Financial projections showing the ability to repay the loan.
  • Established Operations:
  • While startups may qualify for some programs, many financing options are geared towards businesses that have been operating for a minimum period (typically at least 12 months).
  • Revenue and Profitability:
  • Demonstrated ability to generate revenue and, in some cases, profitability.
  • Some programs may have minimum revenue thresholds.
  • Industry and Market Position:
  • Businesses should operate in industries that BDC supports and have a clear understanding of their market and competitive position.
  • Collateral:
  • Depending on the type of financing, businesses may need to provide collateral. This can include business assets, real estate, or personal guarantees.
  • Legal and Regulatory Compliance:
  • The business must be in compliance with all relevant laws and regulations.

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