If you’re searching for the CDAP loan in 2025 or 2026, here’s the short answer: new applications are no longer available. The Canada Digital Adoption Program (CDAP) stopped accepting new applicants for its Boost Your Business Technology stream on February 19, 2024. Only businesses that already had a signed grant agreement before that date may still access the 0% loan—if they meet all remaining conditions and deadlines.
This matters because the CDAP loan offered up to $100,000 at 0% interest, which made it one of the most affordable ways for Canadian SMEs to fund digital upgrades.
The CDAP loan was delivered through the Business Development Bank of Canada (BDC) as part of the federal Canada Digital Adoption Program.
Key features of the CDAP loan (historical):
Who can still access CDAP loan funds in 2025–2026:
If you did not apply before the cutoff, there is no way to start a new CDAP loan application today.
CDAP was a time-limited federal program, funded as part of Canada’s post-pandemic economic recovery. Once the intake target was reached, Innovation, Science and Economic Development Canada closed new applications to manage demand and budgets.
This is why you may still see references to the CDAP loan online, even though it is effectively closed for new businesses.
If you missed CDAP, you still have options to finance digital adoption—just not at 0%.
This is the most common replacement for businesses that planned to use the CDAP loan for tech investments.
While not a grant, approval criteria can be more flexible for eligible founders.
Although CDAP is closed, other programs may support parts of your digital costs, such as:
The Government of Canada’s grants and funding finder lists current programs across provinces and industries.
Tools like GrantHub’s eligibility matcher can help you filter programs by province and industry in seconds.
Assuming CDAP will reopen
There is no announcement or timeline for a new CDAP intake. Planning around a reopening can delay real funding.
Confusing the CDAP grant with the CDAP loan
The $15,000–$90,000 CDAP grants and the $100,000 loan were linked. If you don’t have an approved grant agreement, the loan is not available.
Waiting too long to secure financing
Digital projects often take months. If you wait for a grant that never opens, you may miss growth opportunities.
Not checking provincial programs
Some provinces quietly offer smaller digital or productivity grants that businesses overlook.
Q: Is the CDAP loan still available in 2025?
No. The CDAP loan is closed to new applicants. Only businesses approved before February 19, 2024 can still access funds if they meet conditions.
Q: Can I apply for the CDAP loan without the grant?
No. The CDAP loan was only available to businesses approved under the Boost Your Business Technology grant stream.
Q: Will there be a new CDAP-style loan program?
As of now, the federal government has not announced a replacement program with similar 0% terms.
Q: What is the closest alternative to the CDAP loan?
For most businesses, the BDC Small Business Loan is the closest option, though it charges interest and requires standard loan qualification.
Q: Are there any 0% government loans left for digital adoption?
Currently, no federal program offers a 0% loan specifically for digital adoption like CDAP did.
If the CDAP loan is no longer an option for your business, the focus shifts to finding current grants and financing that fit your location, size, and industry. GrantHub tracks 2,500+ active grant programs across Canada — check which ones match your business profile.
You may also find it helpful to review guides on Apply for grants in Canada or Apply for grants Canada to understand how today’s programs differ from CDAP.
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