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Business purchase or transfer financing | BDC.ca
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Can I prequalify for a loan?","acceptedAnswer":{"@type":"Answer","text":"No. We can only review your request for a loan once you have a negotiated agreement to buy another company and the relevant document to support it, such as an agreed purchase price, a letter of offer and closing date."}},{"@type":"Question","name":"How long does it take to get financing?","acceptedAnswer":{"@type":"Answer","text":"Business purchase transactions require specific, detailed analysis. We recommend allowing ample time for the financing process to avoid potential delays or issues with the sale."}},{"@type":"Question","name":"Does BDC help entrepreneurs find businesses to buy or sell to?","acceptedAnswer":{"@type":"Answer","text":"No. Our experts can help you navigate the business transition process, either as a seller or new owner but we do not have information on what businesses are available on the market."}},{"@type":"Question","name":"Do you help clients determine a sale price for the business?","acceptedAnswer":{"@type":"Answer","text":"<p>No. In order to apply for financing, you must already have agreed on a sale price. We have a <a href=\"/link/e6a38784da814fd29c4142ebe4847442.aspx\">free guide</a> that can help.</p>"}}]} </script> <style>@font-face { font-family: "Circular-Fallback-1"; ascent-override: 91%; line-gap-override: 3%; src: local(Arial); } @font-face { font-family: "Cairo-Fallback-1"; size-adjust: 128%; line-gap-override: 32%; src: local(Arial); }</style> <style>.container,.container-fluid{--bs-gutter-x:1.5rem;--bs-gutter-y:0;width:100%;padding-right:calc(var(--bs-gutter-x) * .5);padding-left:calc(var(--bs-gutter-x) * .5);margin-right:auto;margin-left:auto}:root{--bs-breakpoint-xs:0;--bs-breakpoint-sm:576px;--bs-breakpoint-md:768px;--bs-breakpoint-lg:992px;--bs-breakpoint-xl:1200px;--bs-breakpoint-xxl:1400px}.row{--bs-gutter-x:1.5rem;--bs-gutter-y:0;display:flex;flex-wrap:wrap;margin-top:calc(-1 * var(--bs-gutter-y));margin-right:calc(-.5 * var(--bs-gutter-x));margin-left:calc(-.5 * var(--bs-gutter-x))}.row>*{flex-shrink:0;width:100%;max-width:100%;padding-right:calc(var(--bs-gutter-x) * 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class="d-none d-lg-block"> <p class="x-mb-0"><strong>Trade uncertainty:</strong> Explore <a class="link-neutral" href="/en/special-support/tariffs">resources and tools</a> for your business.</p> </span> <span class="d-block d-lg-none"> <p class="x-mb-0"><strong>Trade uncertainty:</strong> Explore <a class="link-neutral" href="/en/special-support/tariffs">resources and tools</a> for your business.</p> </span> </div> </div> </div> </div> <div class="header-sticky__protector"></div> <header class="header-sticky grid-fluid"> <div class="mega-menu mega-menu--mobile container-fluid"> <div class="mega-menu__left"> <div class="mega-menu__left-logo"> <a href="/en" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=default > <img width="81" height="43" src="/assets/icons/bdc_logo.svg" alt="Logo - Business Development Bank of Canada - BDC"/> </a> </div> <div class="mega-menu__left-lang"> <a href="/fr/financement/pret-achat-transfert-entreprise" lang="FR-CA" aria-label="Français" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=default >FR</a> </div> </div> <div class="mega-menu__tools"> <div class="mega-menu__tools-search"> <button aria-controls="header-search-mobile" aria-expanded="false" data-taxon-component=button data-taxon-button-title=buy-transfer-a-business-loan data-taxon-button-contentid=8547 data-taxon-button-display=default > <svg role="presentation"> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#search-button"></use> </svg> Search </button> </div> <div class="mega-menu__tools-burger"> <button data-close="Close navigation menu" data-open="Open navigation menu" aria-label="Open navigation menu" data-taxon-component=button data-taxon-button-title=buy-transfer-a-business-loan data-taxon-button-contentid=8547 data-taxon-button-display=default > <span></span> <span></span> <span></span> </button> </div> </div> <div class="mega-menu__navigations scrollbar"> <div class="mega-menu__navigations-animator"> <nav class="primary-menu" aria-label="primary"> <ul class="primary-menu__main"> <li> <button class="mega-menu-section__button" aria-controls="mega-menu-section-173214" aria-expanded="false" data-taxon-component=menu data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=first-level > Financing <svg class="mega-menu-section__button-chevron"> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#chevron-small"></use> </svg> <svg class="mega-menu-section__button-back"> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#back-focused"></use> </svg> </button> <div id="mega-menu-section-173214" class="mega-menu-section__content scrollbar"> <span class="mega-menu-section__content-background"></span> <button class="mega-menu-section__content-close" data-taxon-component=menu data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=close-first-level > Close </button> <button class="mega-menu-section__content-back" data-taxon-component=menu data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=close-first-level > <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#back-focused"></use> </svg> Main menu </button> <h2 class="mega-menu-section__title-mobile">Financing</h2> <div class="mega-menu-section__grid"> <div class="mega-menu-sub-section mega-menu-sub-section--two-columns"> <h3 class="mega-menu-sub-section__title"> <span class="mega-menu-sub-section__title-presentation"> Loans </span> <button class="mega-menu-sub-section__title-button" data-taxon-component="menu" data-taxon-menu-title="buy-transfer-a-business-loan" data-taxon-menu-contentid="8547" data-taxon-menu-display="second-level-accordion"> Loans <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#chevron"></use> </svg> </button> </h3> <div class="mega-menu-sub-section__accordion"> <div class="mega-menu-sub-section__accordion-content"> <ul> <li> <a class="mega-menu-sub-section__page" href="/en/financing/small-business-loan" data-taxon-component="menu" data-taxon-menu-title="buy-transfer-a-business-loan" data-taxon-menu-contentid="8547" data-taxon-menu-display="second-level"> <span class="h-left-to-right">Small business loan</span> <span class="mega-menu-sub-section__page-subtitle">Get up to $100K for small projects</span> </a> </li> <li> <a class="mega-menu-sub-section__page" href="/en/financing/working-capital-loan" data-taxon-component="menu" data-taxon-menu-title="buy-transfer-a-business-loan" data-taxon-menu-contentid="8547" data-taxon-menu-display="second-level"> <span class="h-left-to-right">Working capital loan</span> <span class="mega-menu-sub-section__page-subtitle">Protect business cash flow</span> </a> </li> <li> <a class="mega-menu-sub-section__page" href="/en/financing/equipment-loan" data-taxon-component="menu" data-taxon-menu-title="buy-transfer-a-business-loan" data-taxon-menu-contentid="8547" data-taxon-menu-display="second-level"> <span class="h-left-to-right">Equipment loan</span> <span class="mega-menu-sub-section__page-subtitle">Upgrade machinery or equipment</span> </a> </li> <li> <a class="mega-menu-sub-section__page" href="/en/financing/commercial-real-estate-loan" data-taxon-component="menu" data-taxon-menu-title="buy-transfer-a-business-loan" data-taxon-menu-contentid="8547" data-taxon-menu-display="second-level"> <span class="h-left-to-right">Commercial real estate loan</span> <span class="mega-menu-sub-section__page-subtitle">Buy or renovate 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data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=second-level > <span class="featured-block-tile__title"><span class="h-left-to-right">Not sure which financing is right for your business?</span></span> <span class="featured-block-tile__cta cta-primary">Discover our loans</span> </a> </li> </ul> <ul class="mega-menu-sub-section__featured-pages"> <li><a href="/en/financing/starting-business-loan" data-taxon-component=menu data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=second-level ><span class="h-left-to-right"> Financing for businesses in activity for 12-24 months</span></a></li> <li><a href="/en/financing/partners" data-taxon-component=menu data-taxon-menu-title=buy-transfer-a-business-loan data-taxon-menu-contentid=8547 data-taxon-menu-display=second-level ><span class="h-left-to-right">Partners for businesses in activity for less than 24 months</span></a></li> </ul> 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src="data:image/png;base64,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" alt="" class="print-logo d-none d-print-block" /> <article class="ProductPage"> <div class="main-content-area"> <div class="header-banner container-fluid"> <div class="header-banner__content"> <h1> <span class="header-banner__pretitle"> Business purchase or transfer loan</span> Prepare for the next chapter in your business </h1> <div class="header-banner__description paragraph-large"> Ensure a smooth transition when buying or selling a business with <span class="white-space-nowrap">a loan</span> tailored to your needs.*</div> <div class="header-banner__infos"> <div class="header-banner__infos-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#bagIcon"></use> </svg> <span class="header-banner__infos-label"> Buy</span> </div> <div class="header-banner__infos-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#priceIcon"></use> </svg> <span class="header-banner__infos-label"> Sell</span> </div> <div class="header-banner__infos-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#checklistIcon"></use> </svg> <span class="header-banner__infos-label"> Refinance</span> </div> </div> <div class="header-banner__buttons"> <div class="cta-buttons"> <a class="cta-primary" href="/en/financing/buy-transfer-a-business-loan/financing-buy-transfer-a-business-loan-form" data-taxon-component=button data-taxon-button-title=buy-transfer-a-business-loan data-taxon-button-contentid=8547 data-taxon-button-display=cta-primary aria-label="Apply now" role="button"> Apply now </a> </div> </div> <div class="header-banner__disclaimer"> <p>*Conditions apply. Subject to loan approval.</p> </div> </div> <div class="header-banner__image "> <picture> <source media="(min-width: 1400px)" srcset="/globalassets/digizuite/54507-men-wearing-hats.png?mediaformatid=50095&v=48e49c" /> <source media="(min-width: 992px)" srcset="/globalassets/digizuite/54507-men-wearing-hats.png?mediaformatid=50097&v=48e49c" /> <source media="(min-width: 768px)" srcset="/globalassets/digizuite/54507-men-wearing-hats.png?mediaformatid=50094&v=48e49c" /> <source media="(min-width: 576px)" srcset="/globalassets/digizuite/54507-men-wearing-hats.png?mediaformatid=50095&v=48e49c" /> <img src="/globalassets/digizuite/54507-men-wearing-hats.png?mediaformatid=50097&v=48e49c" class="" alt="men wearing hats" /> </picture> </div> </div> <div class="product-intro container-fluid"> <div class="product-intro__content"> Whether you’re buying a company, making a merger or purchasing a competitor, you don't have to do it alone. We partner with you to help you find a loan that’s easy on your cash flow and gives you the flexibility to take your business to the next level. </div> </div> <div class="side-by-side container-fluid side-by-side--theme-subtle"> <div class="side-by-side__left"> <h2 class="side-by-side__title">Are we a good fit?</h2> <div class="side-by-side__subtitle">Check out some of the general requirements to get a business purchase or transfer loan with BDC.</div> </div> <div class="side-by-side__right"> <div class="side-by-side__requirements-title">Minimum requirements</div> <table> <tbody> <tr> <th>Location</th> <td>Based in Canada</td> </tr> <tr> <th>Profitability</th> <td>Generating revenue</td> </tr> <tr> <th>Credit history</th> <td>Good track record</td> </tr> </tbody> </table> </div> </div> <div class="steps container-fluid spacing__padding-top--roomy spacing__padding-bottom--roomy" data-taxon-component=steps data-taxon-steps-title=buy-transfer-a-business-loan data-taxon-steps-contentid=8547 data-taxon-steps-display=default data-taxon-parent=true > <div class="steps__content"> <h2 class="steps__title"> Applying is easy</h2> </div> <div class="steps__cards"> <div class="steps__cards-item"> <div class="steps__cards-counter">1</div> <div class="steps__cards-title">Submit a loan request online</div> <div class="steps__cards-description">Tell us about your project and provide information about your business.</div> </div> <div class="steps__cards-item"> <div class="steps__cards-counter">2</div> <div class="steps__cards-title">Talk to a representative</div> <div class="steps__cards-description">We will call you to discuss your project in depth, including the documents needed for our analysis.</div> </div> <div class="steps__cards-item"> <div class="steps__cards-counter">3</div> <div class="steps__cards-title">Get a tailored solution</div> <div class="steps__cards-description">After evaluating your application, we’ll send you a loan offer based on your financial needs and capabilities.</div> </div> </div> <div class="steps__buttons"> <a class="cta-primary" href="/en/financing/buy-transfer-a-business-loan/financing-buy-transfer-a-business-loan-form" data-taxon-component=button data-taxon-button-title=buy-transfer-a-business-loan data-taxon-button-contentid=8547 data-taxon-button-display=cta-primary > Get started </a> </div> </div> <div class="image-half-and-half container-fluid spacing__padding-top spacing__padding-bottom--roomy" data-taxon-component=image_half_and_half data-taxon-image_half_and_half-title=buy-transfer-a-business-loan data-taxon-image_half_and_half-contentid=8547 data-taxon-image_half_and_half-display=default data-taxon-parent=true > <div class="image-half-and-half__content"> <h2 class="image-half-and-half__title"> Reach your next milestone </h2> </div> <div class="image-half-and-half__image-text-block"> <div class="image-text-block image-text-block--half-and-half-layout bg-transparent image-text-block--margin-bottom-small"> <div class="container-fluid image-text-block__container"> <div class="image-text-block__grid image-text-block--image-horizontal"> <div class="image-text-block__image"> <img src="/globalassets/digizuite/52134-colleagues-have-casual-meeting-small.png?v=4ad79a" class="" alt="Colleagues have a casual meeting on a sofa" /> </div> <div class="image-text-block__content"> <h3>This loan can help you:</h3> <ul> <li>Purchase an existing business</li> <li>Sell your business to a family member or a member of your management team</li> <li>Refinance vendor financing (vendor take-back)</li> <li>Access extra financing for intellectual property, goodwill and client lists</li> <li>And more</li> </ul> </div> </div> </div> </div> </div> </div> <div class="card-with-title container-fluid spacing__padding-top--roomy spacing__padding-bottom--roomy bg-neutral-5" data-taxon-component=card_with_title data-taxon-card_with_title-title=buy-transfer-a-business-loan data-taxon-card_with_title-contentid=8547 data-taxon-card_with_title-display=default data-taxon-parent=true > <div class="card-with-title__title"> <div class="title "> <div class="title__grid-column"> <h2 class="title__main-title"> You’re in good hands </h2> <p class="title__subtitle"> Choosing a loan is about more than just interest rates. The fine print is just as important—and our terms and conditions are designed to give you more flexibility and financial control over your business.</p> </div> </div> </div> <div class="card-with-title__cards "> <div class="card-with-title__cards-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#compass"></use> </svg> <h3 class="card-with-title__cards-title"> We’re there in good times and in bad</h3> <p class="card-with-title__cards-description"> We’ve supported our clients through market downturns and other events beyond their control.</p> </div> <div class="card-with-title__cards-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#affordability"></use> </svg> <h3 class="card-with-title__cards-title"> We're not one size fits all</h3> <p class="card-with-title__cards-description"> We take the time to review your business needs and offer solutions that leave you enough breathing room to realize your goals.</p> </div> <div class="card-with-title__cards-item"> <svg> <use xmlns:xlink="http://www.w3.org/2000/xlink" xlink:href="/globalassets/digizuite/31813-sprite.svg?v=4917f7#apeace-of-mind"></use> </svg> <h3 class="card-with-title__cards-title"> We’re committed to you long-term</h3> <p class="card-with-title__cards-description"> We won't change our terms and conditions or demand early repayment without a valid reason.</p> </div> </div> </div> <div class="image-half-and-half container-fluid spacing__padding-top--roomy spacing__padding-bottom--roomy" data-taxon-component=image_half_and_half data-taxon-image_half_and_half-title=buy-transfer-a-business-loan data-taxon-image_half_and_half-contentid=8547 data-taxon-image_half_and_half-display=default data-taxon-parent=true > <div class="image-half-and-half__content"> <h2 class="image-half-and-half__title"> Buy out with less doubt </h2> </div> <div class="image-half-and-half__image-text-block"> <div class="image-text-block image-text-block--half-and-half-layout bg-transparent image-text-block--margin-bottom-small"> <div class="container-fluid image-text-block__container"> <div class="image-text-block__grid image-text-block--image-left image-text-block--image-horizontal"> <div class="image-text-block__image"> <img src="/globalassets/digizuite/51984-loan-simulation.png?v=490368" class="" alt="A loan simulator tool" /> </div> <div class="image-text-block__content"> <h3>We customize your loan <span class="white-space-nowrap">to your</span> needs</h3> <p>Our specialists work with you to find the right loan terms to protect your working capital when you need it most.</p> </div> </div> </div> </div> </div> <div class="image-half-and-half__image-text-block"> <div class="image-text-block image-text-block--half-and-half-layout bg-transparent image-text-block--margin-bottom-small"> <div class="container-fluid image-text-block__container"> <div class="image-text-block__grid image-text-block--image-horizontal"> <div class="image-text-block__image"> <img src="/globalassets/digizuite/51982-cover-extra-cost.png?v=4adb03" class="" alt="A woman with her hands on her head" /> </div> <div class="image-text-block__content"> <h3>Cover extra costs</h3> <p>Get extra financing to cover the cost of additional expenses like lawyer’s fees, moving costs, etc.</p> </div> </div> </div> </div> </div> <div class="image-half-and-half__image-text-block"> <div class="image-text-block image-text-block--half-and-half-layout bg-transparent image-text-block--margin-bottom-small"> <div class="container-fluid image-text-block__container"> <div class="image-text-block__grid image-text-block--image-left image-text-block--image-horizontal"> <div class="image-text-block__image"> <img src="/globalassets/digizuite/51986-seasonal-repayment.png?v=490368" class="" alt="A man holding a phone" /> </div> <div class="image-text-block__content"> <h3>Repay, your way</h3> <p>Match payments to your cash flow cycle to avoid using money needed for your day-to-day activities.</p> </div> </div> </div> </div> </div> <div class="image-half-and-half__image-text-block"> <div class="image-text-block image-text-block--half-and-half-layout bg-transparent image-text-block--margin-bottom-small"> <div class="container-fluid image-text-block__container"> <div class="image-text-block__grid image-text-block--image-horizontal"> <div class="image-text-block__image"> <img src="/globalassets/digizuite/52135-man-and-woman-sitting-side-by-side-small.png?v=4ad7a3" class="" alt="A man and a woman sitting side-by-side in a modern environment" /> </div> <div class="image-text-block__content"> <h3>Get access to a team of experts</h3> <p>You will be guided by seasoned experts who can answer all of your questions throughout the process. Our team has helped thousands of Canadian entrepreneurs navigate a business transfer.</p> </div> </div> </div> </div> </div> </div> <div class="side-by-side container-fluid side-by-side--theme-dark"> <div class="side-by-side__left"> <h2 class="side-by-side__title">Let’s build your success together</h2> <div class="side-by-side__subtitle">As Canada’s bank for entrepreneurs, we complement the role of other banks. We take on more risk, offer flexible financing and provide sound advice to help you build a strong, successful and resilient business.</div> </div> <div class="side-by-side__right"> <div class="side-by-side__stats"> <div class="side-by-side__stat"> <div class="side-by-side__stat-title">100,000+</div> <div class="side-by-side__stat-description">entrepreneurs we work with across Canada</div> </div> <div class="side-by-side__stat"> <div class="side-by-side__stat-title">$55.4B</div> <div class="side-by-side__stat-description">committed exclusively to business owners</div> </div> <div class="side-by-side__stat"> <div class="side-by-side__stat-title">93%</div> <div class="side-by-side__stat-description">of our clients are satisfied with our services</div> </div> <div class="side-by-side__stat"> <div class="side-by-side__stat-title">$435B</div> <div class="side-by-side__stat-description">revenues generated by our clients</div> </div> </div> </div> </div> <div class="accordion container-fluid spacing__padding-top--roomy spacing__padding-bottom"> <div class="accordion__content"> <h2 class="accordion__title"> Still have questions?</h2> </div> <div data-taxon-component=accordion data-taxon-accordion-title=buy-transfer-a-business-loan data-taxon-accordion-contentid=8547 data-taxon-accordion-display=default class="accordions-container " data-accordions="collapse" data-accordions-premium> <article class="accordion-wrapper"> <div data-accordion=""> <h3 class="accordion-title"> <span class="accordion-title-label"> I’m thinking of buying a business soon. Can I prequalify for a loan?</span> <span class="accordion-title-icon"></span> </h3> </div> <div class="accordion-content-wrapper"> <div class="accordion-content"> <div class="accordion-intro-content"> No. We can only review your request for a loan once you have a negotiated agreement to buy another company and the relevant document to support it, such as an agreed purchase price, a letter of offer and closing date. </div> </div> </div> </article> <article class="accordion-wrapper"> <div data-accordion=""> <h3 class="accordion-title"> <span class="accordion-title-label"> How long does it take to get financing?</span> <span class="accordion-title-icon"></span> </h3> </div> <div class="accordion-content-wrapper"> <div class="accordion-content"> <div class="accordion-intro-content"> Business purchase transactions require specific, detailed analysis. We recommend allowing ample time for the financing process to avoid potential delays or issues with the sale. </div> </div> </div> </article> <article class="accordion-wrapper"> <div data-accordion=""> <h3 class="accordion-title"> <span class="accordion-title-label"> Does BDC help entrepreneurs find businesses to buy or sell to?</span> <span class="accordion-title-icon"></span> </h3> </div> <div class="accordion-content-wrapper"> <div class="accordion-content"> <div class="accordion-intro-content"> No. Our experts can help you navigate the business transition process, either as a seller or new owner but we do not have information on what businesses are available on the market. </div> </div> </div> </article> <article class="accordion-wrapper"> <div data-accordion=""> <h3 class="accordion-title"> <span class="accordion-title-label"> Do you help clients determine a sale price for the business?</span> <span class="accordion-title-icon"></span> </h3> </div> <div class="accordion-content-wrapper"> <div class="accordion-content"> <div class="accordion-intro-content"> <p>No. In order to apply for financing, you must already have agreed on a sale price. We have a <a href="/en/articles-tools/entrepreneur-toolkit/guides/business-valuation">free guide</a> that can help.</p> </div> </div> </div> </article> </div> </div> <script type="module"> import("/assets/js/modules/accordions.min.js") .then( accordions => accordions.initAccordions() ); </script> <div class="testimonial container-fluid spacing__padding-top spacing__padding-bottom"> <h2 class="testimonial__title"> The BDC difference</h2> <div class="testimonial__image"> <picture> <source media="(min-width: 1400px)" srcset="/globalassets/digizuite/53078-rhesus-vicky-beaudoin-meta.jpg?mediaformatid=50095&v=4ac2ed" /> <source media="(min-width: 992px)" srcset="/globalassets/digizuite/53078-rhesus-vicky-beaudoin-meta.jpg?mediaformatid=50097&v=4ac2ed" /> <source media="(min-width: 768px)" srcset="/globalassets/digizuite/53078-rhesus-vicky-beaudoin-meta.jpg?mediaformatid=50094&v=4ac2ed" /> <source media="(min-width: 576px)" srcset="/globalassets/digizuite/53078-rhesus-vicky-beaudoin-meta.jpg?mediaformatid=50095&v=4ac2ed" /> <img src="/globalassets/digizuite/53078-rhesus-vicky-beaudoin-meta.jpg?mediaformatid=50097&v=4ac2ed" loading= lazy class="" alt="Rhésus - Vicky Beaudoin" /> </picture> </div> <div class="testimonial__content"> <blockquote> <p class="testimonial__quote"> “ BDC doesn’t just finance assets. They truly understand the market and believe in the businesses they finance. ” </p> </blockquote> <figcaption class="testimonial__figcaption"> <div>Vicky Beaudoin</div> <div> Rhesus</div> <div>Vice-President and General Manager</div> <div> <span>Victoriaville, </span> <span>QC</span> </div> </figcaption> <div> <a class="testimonial__link" href="/en/testimonials/rhesus" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=link target="_blank"> Read the full testimonial </a> </div> </div> </div> <div class="contact-us container-fluid" data-taxon-component=contact_us data-taxon-contact_us-title=buy-transfer-a-business-loan data-taxon-contact_us-contentid=8547 data-taxon-contact_us-display=default data-taxon-parent=true > <div class="contact-us__content"> <h2 class="contact-us__title"> Keep your business running at its best</h2> <div class="contact-us__buttons"> <div class="cta-buttons"> <a class="cta-primary" href="/en/financing/buy-transfer-a-business-loan/financing-buy-transfer-a-business-loan-form" data-taxon-component=button data-taxon-button-title=buy-transfer-a-business-loan data-taxon-button-contentid=8547 data-taxon-button-display=cta-primary aria-label="Apply now" role="button"> Apply now </a> </div> </div> </div> <div class="contact-us__cards-legal-notes"> <div class="contact-us__cards"> <div class="contact-us__cards-item"> <div class="contact-us__cards-title">Send us an email</div> <div class="contact-us__cards-subtitle">We’ll get back to you as soon as we can.</div> <a class="contact-us__cards-link" href="/en/contact-us/contact-us-form" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=link > Message our team </a> </div> <div class="contact-us__cards-item"> <div class="contact-us__cards-title">Call us</div> <div class="contact-us__cards-subtitle">Call our Client Contact Centre.</div> <a class="contact-us__cards-link" href="tel:+18772322269" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=link > 1-877-232-2269 </a> </div> <div class="contact-us__cards-item"> <div class="contact-us__cards-title">Chat with us</div> <div class="contact-us__cards-subtitle">We are here to help you.</div> <button class="contact-us__cards-link chat--open link" data-taxon-component=link data-taxon-link-title=buy-transfer-a-business-loan data-taxon-link-contentid=8547 data-taxon-link-display=link > Start a chat </button> </div> </div> </div> </div> <script type="module"> import("/assets/js/modules/chat-open.min.js") .then( chatOpen => chatOpen.initChatOpen() ); </script> <script type="module"> const freLink = document.getElementById("fre"); if (freLink) { import("/assets/js/modules/fre.min.js"); } </script> </div> </article> </main> <footer data-taxon-component=footer data-taxon-footer-title=buy-transfer-a-business-loan data-taxon-footer-contentid=8547 data-taxon-footer-display=default data-taxon-parent=true class="footer"> <div class="bg-neutral-alternate neutral-dark-theme x-py-3 border-bottom-1 border-neutral-alternate-medium"> <div class="container"> <div class="text-center"><div class="block bdcformcontainerblock col-12"> <div id="BDCFormContainerBlock" class=" " style="" data-form-asset-name="Footer-EN" data-form-eloqua-name="subscription--General-form"> <div class="row "> <div class="block formwithcolumnsblock col-12"> <form method="post" novalidate="novalidate" data-f-metadata="" enctype="multipart/form-data" class="EPiServerForms ValidationSuccess" data-f-type="form" id="14a1febb-7a00-4226-a660-884e6dbc4ca7" data-f-async-submit="true"> <script type="text/javascript"> // This view acts as a rendering template to render InitScript(and server-side Form's descriptor) in FormContainerBlock's client-side for Form[14a1febb-7a00-4226-a660-884e6dbc4ca7]. // TECHNOTE: all serverside (paths, dynamic values) of EPiServerForms will be transfered to client side here in this section. 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} </script> </div></div><div class="block formdatasubmitbuttonelementblock col-12 col-md-4 flex-md-box"> <button id="0e81b37c-0181-43e5-8b7d-f30726cc7cfa" name="submit" type="submit" value="0e81b37c-0181-43e5-8b7d-f30726cc7cfa" data-f-is-finalized="false" data-f-is-progressive-submit="true" data-f-type="submitbutton" data-f-element-name="__field_190931" class="Form__Element FormExcludeDataRebind FormSubmitButton form-submit cta-primary " data-name="submitSubscribe"> Subscribe</button></div> </div> <input name="__field_190912" id="b699fb25-4967-4488-856a-21732f0d204d" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="googleAnalyticsId" data-guid="b699fb25-4967-4488-856a-21732f0d204d"> <input name="__field_116044" id="3b116bd2-9a81-4371-a1c6-604e087ca1cc" value="footer-EN" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="landingPageOrigin" data-guid="3b116bd2-9a81-4371-a1c6-604e087ca1cc"> <input name="__field_190922" id="dbddedd3-e5b4-4e75-ae51-feedafc74c00" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignActivityGuid" data-guid="dbddedd3-e5b4-4e75-ae51-feedafc74c00"> <input name="__field_190914" id="12c8d126-c6da-4733-aeb9-163e505dadb0" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignCode" data-guid="12c8d126-c6da-4733-aeb9-163e505dadb0"> <input name="__field_190920" id="cf5b8387-ac14-4174-be69-1a2a082d5267" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignName" data-guid="cf5b8387-ac14-4174-be69-1a2a082d5267"> <div id="1929606c-57f5-4a0d-9b91-d62b99dca7f5" class="Form__Element Form__CustomElement FormRecaptcha x-m-0" data-epiforms-element-name="__field_190925" data-epiforms-sitekey="6LcK3bEZAAAAAMF2wpj2euXxBBvZp5fgbflykBQk"> <span role="alert" aria-live="polite" data-epiforms-linked-name="__field_190925" class="Form__Element__ValidationError hidden"> </span> </div> </section> </div> </form> </div> </div> </div></div><div class="block textblock col-12"> <div data-taxon-component="text" data-taxon-text-title="Text-under-footer" data-taxon-text-contentid="3799" data-taxon-text-display="default" data-taxon-parent="true" class="text-block-container flex-grow-1 " style=" "> <p class="smaller-font">Subscribe to receive, via email, business advice, articles and tools as well as information about our solutions and events. 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It will init/grab the epi object, and init epi.EPiServer.Forms object */ // (by default) Forms's jQuery will be injected right before this file. From now on, we refer Forms own jQuery as $$epiforms. // after this code, the object $ and jQuery will revert back to its original meaning in original library (Alloy jQuery or other lib). // Our clients' sites may include their own Jquery version (e.g. a higher version for some special functionalities), which leads to unexpected conflicts with ours. // To avoid this, we use jQuery.noConflict() to set up $$epiforms as an allias for our jquery and then, revert Jquery allias to clients' by using // epi.EPiServer.Forms.OriginalJQuery whose value is set up as Jquery at the beginning in FormBlockController. // This also allows us to extend our own Jquery's functionalities without causing further conflicts. var $$epiforms = epi.EPiServer.Forms.InjectFormOwnJQuery ? jQuery.noConflict() : jQuery; if (epi.EPiServer.Forms.OriginalJQuery) { jQuery = epi.EPiServer.Forms.OriginalJQuery; delete epi.EPiServer.Forms.OriginalJQuery; } (function () { var externalScript = ["/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.js","/assets/js/modules/jquery.ui.datepicker-fr-ca.min.js","/assets/js/modules/form/custom-form-validators.min.js","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.js","/Util/EPiServer.Forms.Samples/js/EPiServerFormsSamples.js","https://www.google.com/recaptcha/api.js?render=6LcK3bEZAAAAAMF2wpj2euXxBBvZp5fgbflykBQk"], externalCss = ["/Util/EPiServer.Forms.Samples/css/EPiServerFormsSamples.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.structure.min.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.theme.min.css"]; if (epi.EPiServer.Forms.ExternalScriptSources) { externalScript = epi.EPiServer.Forms.ExternalScriptSources.concat(externalScript); // Remove duplicate items externalScript = externalScript.filter(function (value, index, self) { return self.indexOf(value) === index; }); } if (epi.EPiServer.Forms.ExternalCssSources) { externalCss = epi.EPiServer.Forms.ExternalCssSources.concat(externalCss); // Remove duplicate items externalCss = externalCss.filter(function (value, index, self) { return self.indexOf(value) === index; }); } $$epiforms.extend(true, epi.EPiServer, { CurrentPageLink: "8547", CurrentPageLanguage: "en-CA", CurrentFormLanguage: "en-CA", Forms: { Utils: {}, Data: {}, Extension: {}, Validation: {}, Navigation: {}, Dependency: {}, $: $$epiforms, // save our own link to our own jQuery ThrottleTimeout: 500, // miliseconds ExternalScriptSources: externalScript, ExternalCssSources: externalCss, UploadExtensionBlackList: "asp,aspx,asa,ashx,asmx,bat,chm,class,cmd,com,config,dll,exe,hta,htr,htw,jse,json,lnk,mda,mdb,msc,msh,pif,printer,ps1,ps2,reg,rem,scf,scr,sct,shtm,shtml,soap,stm,svc,url,vb,vbe,vbs,vsix,ws,wsc,wsf,wsh,xamlx,htm,html,js,jar", Messages: {"viewMode":{"malformStepConfiguration":"Improperly formed FormStep configuration. Some steps are attached to pages, while some steps are not attached, or attached to content with no public URL.","commonValidationFail":"This element value is not valid."},"fileUpload":{"overFileSize":"The upload file size should be less than {0} MB.","invalidFileType":"The upload file format is not allowed or not supported.","postedFile":"(Previous posted file(s): {0})"}}, LocalizedResources: {"samples":{"criteria":{"formcriterion":{"category":"Episerver Forms","displayname":"Submitted Form","description":"Checks for form submission by the visitor.","submissionstatus":"Submission status","selectedform":"Selected form"},"submittedvaluecriterion":{"category":"Episerver Forms","displayname":"Submitted Form Value","description":"Checks for form submission value by the visitor.","selectedform":"Selected form","selectedfield":"Selected field","condition":"Condition","value":"Value"}},"datetimepickertype":{"datepicker":"Date picker","timepicker":"Time picker","datetimepicker":"Date time picker"},"confirmationdialog":{"title":"Summary","buttons":{"ok":"OK","cancel":"Cancel"}},"editview":{"requirejsrecaptcha":"JavaScript is required to display reCAPTCHA.","requirejshcaptcha":"JavaScript is required to display hCAPTCHA."},"messages":{"imagesubmitbutton":{"initializationmessage":"This is an image submit button. 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Please contact the administrator for more information."}},"errorformusingdivinnonjsmode":"Form render using div element required js enabled to be able to work properly","error":"Something went wrong. 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