Loan

BDC Pivot to Grow Loan

Federal - Business Development Bank of Canada · $250,000–$5,000,000

Tariff and trade-resilience financing available until 31 March 2028. Liquidity stream expanded 25 August 2026: 0% interest in year 1 and a $1 million revenue floor. Helps businesses manage cash-flow pressure from US tariffs and pivot supply chains, markets, or equipment. Published amount: $250,000–$5,000,000. Best for: Existing exporters and tariff-impacted firms needing liquidity or a pivot plan. This is a loan, not a grant. Administered by Business Development Bank of Canada (BDC). Official source: BDC Pivot to Grow Loan.

Criteria

Who qualifies	Existing businesses Typically 2+ years in business (catalog floor) Minimum revenue $1 million (catalog floor) Eligible statuses in catalog: Canadian citizens, permanent residents For-profit Available across Canada Best for: Existing exporters and tariff-impacted firms needing liquidity or a pivot plan
Who does not	Brand-new startups / idea-stage shops (existing-business program) Under 2 year(s) in business Revenue below $1 million Work-permit-only newcomers (catalog lists citizen/PR, not work-permit)
Amount	$250,000–$5,000,000
Rate / repayable	Liquidity stream: 0% year 1 (expanded 25 Aug 2026); then BDC rates. Repayable: yes (loan / repayable contribution — not a grant).
What it funds	Tariff and trade-resilience financing available until 31 March 2028. Liquidity stream expanded 25 August 2026: 0% interest in year 1 and a $1 million revenue floor. Helps businesses manage cash-flow pressure from US tariffs and pivot supply chains, markets, or equipment. Highlights: Tariff / trade resilience; Available to 31 Mar 2028; 25 Aug 2026 liquidity expansion: 0% year 1; $1M revenue floor.
Intake window	Available until 31 March 2028 (stated in the program description).
Region	Canada-wide, including Markham and York Region, where the published criteria are met.
Administrator	Business Development Bank of Canada (BDC) (Federal - Business Development Bank of Canada)

Published highlights

Tariff / trade resilience
Available to 31 Mar 2028
25 Aug 2026 liquidity expansion: 0% year 1
$1M revenue floor

Official apply / learn more See if you match Get help applying

FAQ

Is this a grant?

No. BDC Pivot to Grow Loan is catalogued as a loan / repayable contribution. Liquidity stream: 0% year 1 (expanded 25 Aug 2026); then BDC rates Confirm terms on the official page.

Who qualifies in Markham?

Canada-wide, including Markham and York Region, where the published criteria are met. Qualifies where the published criteria fit: existing businesses; typically 2+ years in business; minimum revenue $1 million; Canadian citizens, permanent residents; for-profit; available across Canada; existing exporters and tariff-impacted firms needing liquidity or a pivot plan.

Is there a minimum years in business or employee count?

Catalog floors: 2 year(s) in business; no minimum employee count in this catalog. Revenue floor: $1 million. See the official page if a rule is not listed here.

Can newcomers or work-permit holders apply?

The catalog lists Canadian citizens and permanent residents only — work-permit is not in the eligibility list. Do not assume a work-permit newcomer qualifies.

When is intake open?

Available until 31 March 2028 (stated in the program description).

Related programs

Eligibility is determined by the government administrator (Business Development Bank of Canada (BDC)), not Markham Office. Amounts, rates, and windows change. Verify every detail on the official page before you apply. Markham Office is an assessment helper only. As of September 2026.