How to prepare a commercial real estate purchase | BDC.ca
A commercial real estate acquisition can be complex. It requires diligence, rock-solid financials and forecasts, and a well-thought-out plan.
commercial real estate loan
Getting approved for commercial real estate financing isn’t easy. Bankers will want to see high-quality financial statements and evidence that the profits you generate are being retained by your company. All of this will play a big role in determining whether you get the <anchor>commercial real estate loan</anchor> you want.
Commercial real estate financing and construction financing | BDC.ca
Commercial real estate financing and construction financing \| BDC.ca

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Commercial real estate loan

![](data:image/png;base64,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)

- [Small business loan](/en/financing/small-business-loan)
- [Commercial real estate loan](/en/financing/commercial-real-estate-loan)
- [Equipment loan](/en/financing/equipment-loan)
- [Purchase order financing](/en/financing/purchase-order-loan)
- [Working capital loan](/en/financing/working-capital-loan)
- [Loan for tech equipment](/en/financing/technology-equipment-loan)
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Get extra space to grow

# Commercial real estate loan

[Apply now](/en/financing/commercial-real-estate-loan/financing-commercial-real-estate-loan-form "Apply now")

### Up to 100%

Get financing to cover project costs

### Up to 25 years

Repay your loan

### Up to 36 months

Principal payments postponement at the start of the loan

Buying commercial real estate is an important decision, potentially very profitable and often complex. With support from our experts and a loan\* adapted to your needs, we can help make your project reality.

* * *

![Financial advisor looking straight ahead](/globalassets/digizuite/13552-financing-block-1-lg.jpg?v=4a48b6)

#### Financing you can use to\*\*

- ##### Increase capacity



Purchase **land** and **buildings** or cover **construction costs** to build new ones.

- ##### Upgrade facilities



**Expand** or **renovate** your existing premises.

- ##### Complement your line of credit



Replenish **working capital** depleted by real estate costs.


* * *

#### Financing tailored to your needs

- ##### Unparalleled flexibility



Match payments to your cash flow cycle to avoid using money needed for your day-to-day activities.

- ##### Extra financing when you need it



Get extra cash on top of the real estate loan to cover additional expenses such as moving costs.

- ##### Peace of mind



Our terms and conditions don’t change without due cause.


![Woman speaking on the phone about her financing needs](/globalassets/digizuite/13555-financing-block-2-lg.jpg?v=4a48e4)

* * *

![Bema Panels](/globalassets/digizuite/44446-matt-ramey-west-coast-monograms-xl.jpg?v=4affd4)

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Matthew Ramey

President, West Coast Monograms

[Read full testimonial](/en/testimonials/west-coast-monograms)

![Moe Demyati - Jenna Food Products](/globalassets/digizuite/41582-moe-demyati-jenna-food-products-xl.jpg?v=49f46e)

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Moe Demyati

Deputy General Manager, Jenna Foods

[Read full testimonial](/en/testimonials/jenna-foods)

> BDC understood what it means to run a family business! The financing deal was not only simple and clear, they offered terms and conditions that we couldn’t get elsewhere.

Charles Pépin-Clément

President, Les immeubles Clément

[Read full testimonial](/en/testimonials/immeubles-clement)

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\\* Subject to approval. Certain conditions apply.

\\*\\* BDC does not finance the construction or operation of private schools, retirement homes or residential development projects.

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