How to Finance Your Business

Learn the steps to acquiring financing for your business with Small Business BC.

Canadian Business Grants & Finances

Search available government grant programs across Canada.

Other Sources of Funding

Community Futures, Business Development Bank of Canada are two examples of sources of funding.

Business Financing / Grants

Find more programs / grants here:

Click to expand list of financing & grant programs

Advance Payments Program

Are you a farmer looking to meet your financial obligations?

You could access up to $1,000,000 in cash advances per program year based on up to 50% of the anticipated value of eligible agricultural product(s) you are producing. The first $100,000 is interest-free.

You must repay the advance within 18 months (up to 24 months for cattle and bison), as you sell the agricultural product.

Other conditions apply.

Learn more



If you are a B.C. agricultural producer, you could get payments to help cover the loss if your current year margin falls more than 30% below your reference margin.

To be eligible, you must:

  • Have income from the primary production of agricultural commodities
  • Have carried on the business of farming in Canada and reported farming income (or loss) for income tax purposes
  • Have completed a minimum of six consecutive months farming activity
  • Have completed a production cycle that includes one or more of the following:
    • The growing and harvesting of a crop
    • The process of rearing livestock
    • The purchase and sale of livestock within a program year in the case of feeding or finishing enterprises

Other conditions apply.

Learn more


Aquaculture Collaborative Research and Development Program

By collaborating with government researchers, you could increase your business’ scientific capacity for R&D projects relating to fish health and environmental performance.

Eligible industry applicants must be:

  • Marine aquaculture producers operating within Canada
  • Directly involved in producing marine aquatic species for pre-commercial or commercial purposes
  • Companies or associations involved with sea ranching mariculture operations
  • Provide a minimum of 30% of the program amount requested, at least 7.5% of which must be a cash contribution

Other conditions apply.

Learn more


BC Venture Acceleration Program

Starting out as an entrepreneur in the British Columbia technology sector? You can get help to build your business and accelerate your growth with their BC-wide network.

You will be guided by an Executive in Residence at each step:

  • Product validation
  • Market validation
  • Market penetration
  • Market expansion

Your acceptance will be based on product validity, ambition, market opportunity, and team talent.

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BDC Indigenous Entrepreneur Loan

As an Indigenous entrepreneur, you could get up to $350,000 to start or grow your business.

Operations can be on or off reserve.

You can use the loan to:

  • Acquire fixed assets
  • Finance franchise fees
  • Cover start-up costs
  • Start exporting
  • Replenish working capital

Learn more


BDC Small Business Loan for existing business

Rather than using the money you need for day-to-day activities, consider applying for additional financing. With the BDC Small Business Loan, you could get up to $100,000.

Are you eligible?

  • Canadian-based business
  • Generating revenues for at least 24 months
  • Good credit history
  • You’ve reached the age of majority in the province or territory where you live

Other conditions apply.

Learn more


Canada Feature Film Fund

If your film production business is a Canadian-owned and controlled corporation, you may be eligible for financial assistance.

Funding is available through a variety of programs, including the following:

  • Development Program
  • Production Program
  • Theatrical Documentary Program
  • Marketing Program
  • International Marketing and Festival Participation Program

Learn more


Canadian Agricultural Loans Act program

If you are an agricultural producer, this program could help you get a loan from a bank, a credit union or a caisse populaire.


  • Existing farmers
  • Beginning or start-up farmers
  • Farmers taking over the family farm
  • Agricultural co-operatives

Other conditions apply.

Learn more


Coast Opportunity Funds — Economic Development Fund

The economic development fund supports environmentally sound and sustainable economic development activities throughout the Great Bear Rainforest and Haida Gwaii. Priority will be given to projects that have positive environmental or social impacts, direct or indirect.

Learn more


Community Futures British Columbia — Financing programs for entrepreneurs

If you live in rural British Columbia, you could get a loan of up to $150,000 to start or grow a small business. You need to:

  • Have a viable business idea
  • Create a business plan
  • Invest some of your money in the project, in most cases

Other conditions apply.

Learn more


Digital Accelerator for Innovation and Research

Access free cloud-based compute-and-storage resources to reduce the R&D development costs of your small or medium sized high-tech business. If your business has fewer than 500 employees, you could qualify to use this environment to:

  • Design, prototype, validate new products
  • Test product scalability
  • Commercialize your product faster

Other conditions apply.

Learn more


Entrepreneurs with Disabilities Program

This program provides access to business services across Western Canada, including:

  • mentoring and one-on-one counselling services
  • access to business training and development
  • business loans (in some locations)
  • help to identify requirements for specialized equipment

To qualify you must:

  • have been unsuccessful in acquiring sufficient funding for business from other sources
  • are unable to perform at least one of the basic activities of entrepreneurship or self-employment
  • are disabled due to physical or mental impairment
  • have a possible business plan and are a new or current small business owner with a disability
  • live in Western Canada

Other conditions apply

Learn more


First Citizens Fund — Business Loan Program

If you are an Aboriginal resident of B.C. you could get support to start or grow your business.

Participating lenders:

  • All Nations Trust Company
  • Nuu-chah-nulth Economic Development Corporation
  • Tale’awtxw Aboriginal Capital Corporation
  • Tribal Resource Investment Corporation

Learn more


Futurpreneur Canada Newcomer Program

Are you a newcomer to Canada between the ages of 18 and 39, with a limited credit history? If so, you could apply for a $7,500 repayable loan to start a business.

To qualify you must:

  • Be between 18 – 39 years old.
  • Have lived in Canada for fewer than 60 months (5 years)
  • Limited or no established credit history in Canada.
  • Other conditions apply.

Learn more


Prince’s Operation Entrepreneur

Are you a Canadian Armed Forces member, veteran, reservist, or a family member looking to establish yourself as an entrepreneur? Or do you have a business already?

This national bilingual program offers:

  • One-day workshops and seven-day business boot camps
  • Tools and resources to guide business planning and growth
  • Networking opportunities and introductions to local community support resources
  • Short-term one-on-one business coaching for program participants
  • The Canadian Veteran Business Directory, a free online listing of military-owned businesses in Canada. This directory was established both as a marketing tool and to grow the entrepreneur’s personal and professional networks.

Learn more


Women’s Enterprise Centre (British Columbia)

Women’s Enterprise Centre’s Business Loans Program offers small business loans up to $150,000 to women-owned businesses in BC that can help you start, enhance or grow your BC business.

To qualify you must:

  • A woman who owns and controls at least 51% of a business that is registered and located in British Columbia
  • A Canadian citizen or Permanent Resident
  • Residing in British Columbia
  • Over 19 years old

Other conditions apply

Learn more

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