Direct Lending

Access to substantial, flexible financing can be a deciding factor when a Canadian business is preparing to scale, enter new markets, or take on larger international contracts. Export Development Canada’s Direct Lending program is designed for companies that need more than short-term cash flow support and are planning meaningful expansion. Rather than a grant, this program provides repayable financing that can help businesses move forward with capital-intensive growth plans.

Direct Lending is available to businesses across Canada and supports a wide range of industries, particularly those with export activity or international growth ambitions. Financing can be used to support initiatives such as expanding production capacity, investing in major equipment or infrastructure, acquiring another business, or strengthening working capital to support larger sales cycles. Because funding is structured around the specific project and financial needs of the business, the amount and terms can vary, allowing for tailored solutions rather than one-size-fits-all lending.

This program is best suited for established companies with clear growth objectives and the ability to repay financing over time. For business owners considering a major expansion and looking for long-term financing backed by a federal Crown corporation, understanding how Direct Lending works, what projects qualify, and how the application process unfolds can help determine whether it’s the right fit for your next stage of growth.