Over the years, we’ve helped countless clients across industries successfully secure funding through the Business Development Bank of Canada (BDC) and other government financing programs. We know the process, we speak the language lenders use, and most importantly —get results.
Why Choose BDC Canada?
BDC is Canada’s only bank devoted exclusively to entrepreneurs. It offers flexible, long-term financing options that are often better suited to small and medium-sized businesses than traditional commercial loans. Whether you’re expanding, investing in technology, purchasing equipment, or navigating a challenging year, BDC offers:
- Loan terms up to 25 years
- Support for intangible investments like software, marketing, and R&D
- No prepayment penalties
- Tailored financing for growth-oriented entrepreneurs
Our Track Record: Strategic Guidance that Gets You Funded
We’ve helped numerous businesses secure funding — from six-figure growth loans to highly specific project financing — by building strong, lender-ready financial packages and connecting clients to the right programs.
At Rozvytok CPA, we don’t rely on templates or guesswork. We understand the full spectrum of federal, provincial, and municipal funding programs, and we know how to position your business for success — whether you’re applying to BDC, EDC, Futurpreneur, IRAP, or SR&ED.
What We Do for You
1. Comprehensive Financial Preparation
We ensure that your numbers tell a compelling story:
- Preparation of clean, up-to-date financial statements
- Corporate tax filings and supporting schedules
- Ratio analysis and debt-service coverage calculations
- Industry benchmarking to show your financial strength
2. Government Program Matching
We don’t just stop at BDC. Based on your industry, growth stage, and financial position, we:
- Identify additional grants and subsidies you qualify for
- Align your application with program-specific criteria
- Help you build a funding strategy that maximizes available support
3. Projections & Business Case Development
Lenders want to see the future. We’ll:
- Build detailed cash flow forecasts based on real data
- Create customized financial models to reflect your goals
- Develop a concise business case that resonates with government lenders
4. Full-Service Application Support
We guide you through every step:
- Assistance with BDC online portal applications
- Direct liaison with loan officers and government program representatives
- Timely responses to document requests and follow-ups
Proven Results Across Industries
Whether you’re a tech startup, a real estate investor, or a manufacturing company, we’ve helped businesses like yours access the capital they need — faster, and with less stress.
From helping a professional services firm secure BDC working capital to guiding a logistics company through multiple rounds of grant-backed financing, our experience goes far beyond just filling out forms.
Let’s Talk Strategy
If you’re ready to grow your business and need funding to make it happen, Rozvytok CPA is your partner in building a financing strategy that works. We bring the financial clarity, government insight, and hands-on execution to give your application the best possible chance of approval.
The Application Process: What the BDC Looks For
Regardless of the specific loan product, BDC, like any lender, will conduct a thorough assessment of your business to evaluate its financial health, repayment capacity, and overall viability. Key areas they focus on include:
- Financial Strength: Demonstrated through historical financial statements (Balance Sheet, Income Statement, Cash Flow Statement). They want to see a track record of revenue generation and profitability.
- Repayment Ability: Assessed by analyzing your cash flow projections and ensuring you have sufficient cash flow to meet the loan obligations.
- Management Capability: Evaluating the experience and expertise of your management team to successfully execute your business plan.
- Business Plan: A comprehensive document outlining your business model, market analysis, marketing and sales strategies, operational plan, and how the financing will be used to achieve your goals.
- Credit History: Both your personal and business credit history will be reviewed.
Rozvytok CPA
Accountants you want on your team. Serving Toronto and beyond.
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