Financement BDC — Prêt pivoter pour se propulser

📋 Eligible Entities - Small and medium-sized enterprises (SMEs) operating in Canada - Exporters to the United States or businesses directly affected by U.S. tariffs - For-profit corporations and business entities - Businesses demonstrating current or anticipated cash flow challenges due to tariff impacts or export market conditions - Must be operational and in good standing with Canadian tax authorities ### 💰 Funding Details - Maximum Loan Amount: $2,000,000 CAD per business - Loan Structure: Direct lending (non-forgivable loan, must be repaid) - Interest Rate & Terms: Standard BDC commercial lending rates apply; repayment terms typically 5-10 years depending on business profile - Matching Requirements: No matching funds required from applicant - Repayability: Full repayment obligation with interest; funds are not a grant but a business loan ### 🛠️ Approved Expenses - Working Capital & Cash Flow: Operating expenses and payroll to stabilize immediate liquidity - Business Adaptation: Costs associated with pivoting operations or adjusting to tariff conditions - Operational Restructuring: Expenses related to supply chain adjustments or market repositioning - Export Market Development: Investments to support or expand U.S. export operations or diversify markets - Equipment & Infrastructure: Capital investments to improve competitiveness or operational efficiency ### ⚠️ Conditions & Milestones - Eligibility Trigger: Business must demonstrate direct impact from U.S. tariffs or reliance on U.S. export markets - Application & Approval Timeline: Subject to standard BDC credit review and approval process - Use of Funds: Loan proceeds must be deployed for approved business adaptation and cash flow purposes - Reporting Requirements: Ongoing financial reporting and business plan updates as per BDC lending covenants - Loan Covenants: Standard BDC security and collateral requirements apply - Business Plan: Applicant must demonstrate viable adaptation strategy and path to operational sustainability - No Forgivable Component: Unlike grants, 100% of borrowed funds must be