Direct lending

If your company has at least $10 million in annual revenue and you're investing in international growth, you may be eligible for a loan from EDC.  

A loan from EDC can help you acquire international businesses, invest in new equipment or facilities, increase production capacity or bridge cash flow gaps tied to export contracts.

Loans typically start at $1 million and are structured to match your business needs. Terms vary based on the size, scope and purpose of your growth plans.

Our direct loans are priced in line with commercial market rates. We’re not a subsidized lender, but we offer competitive terms and flexible repayment options—including penalty-free prepayment under our standard terms.

Our loans are designed to complement the financing you receive from your financial institution. While some lenders may have limits around export-related risk or large-scale international growth, we offer flexible structures, deep export expertise and the ability to step in when your bank can’t fully meet your needs.

We support a broad range of sectors, including infrastructure, energy, renewables, resources, manufacturing and technology.  

Yes. Our direct loans are designed to complement your existing financing. We work collaboratively with your financial institution and offer flexible structures like syndications and bilateral loans.

To apply, you’ll typically need:

• Annual financial statements or interim financials
• A signed loan agreement and any amendments
• An authorized credit write-up from your financial institution
• An exporter declaration and consent form