BDC Capital — Growth & Transition Capital — Working Capital

For growing Canadian businesses, finding enough working capital to fuel R&D, product development, or market expansion can be challenging—especially when traditional lenders require hard assets or equity dilution isn’t an option. BDC Capital’s Growth & Transition Capital — Working Capital financing is designed for companies that need flexible capital to move growth projects forward while keeping ownership intact. Offered nationally through the Business Development Bank of Canada, this repayable financing supports businesses at various stages, from high-growth startups to established enterprises.

This program focuses on customized working capital solutions rather than one-size-fits-all loans. Funding can reach into the tens of millions, making it suitable for ambitious projects such as scaling commercialization efforts, investing in intellectual property, or supporting large development initiatives. Depending on a company’s financial profile and cash flow situation, BDC Capital may structure financing with repayment terms aligned to real business performance, including options that bridge the gap between traditional debt and equity. This flexibility can be especially valuable for companies with strong growth potential but limited tangible assets.

Because each financing arrangement is tailored, businesses meeting certain requirements benefit most from taking time to understand how the program aligns with their growth plans and financial structure. Exploring the full details can help determine whether this working capital solution fits your next stage of expansion.