Many Canadian small and mid-sized businesses want to use AI but don’t know where to start. The BDC Data to AI Program is designed for exactly that gap. It combines hands-on advisory services with preferential-rate financing to help you move from raw data to real AI use cases.
Unlike traditional grants, this program focuses on execution. You get expert guidance and access to capital so AI projects don’t stall at the planning stage.
The BDC Advisory Services — Data to AI Program is a national program delivered by the Business Development Bank of Canada (BDC). It supports Canadian businesses that want to adopt:
The program blends two elements:
This program is not just a loan or a one-time consulting service. Advisory and financing support are combined to help your business succeed.
No. The BDC Data to AI Program is not a grant.
Instead, it offers:
Since this is a loan, you may be able to get more funding than with some government grants. However:
That said, many businesses pair BDC financing with separate federal or provincial AI grants. Tools like GrantHub’s eligibility matcher can help you filter programs by province and industry in seconds.
BDC does not list strict eligibility rules, but you generally need:
You do not need to be an AI company. BDC regularly works with manufacturers, professional services firms, retailers, and tech-enabled businesses that want to improve productivity or decision-making using data.
The BDC Data to AI Program supports applied, business-focused projects, including:
Pure research projects or speculative ideas without a business use case are less likely to qualify. BDC looks for projects that can improve efficiency, growth, or competitiveness.
There is no fixed funding amount published for the BDC Data to AI Program.
Financing depends on:
Since this is a loan, you may be able to get more funding than with some government grants. Exact terms are determined during your application and assessment process.
The application process is more consultative than most grant programs.
You start by speaking with BDC or applying through their Data to AI Program page. This helps confirm fit before moving forward.
BDC advisors review:
This stage often shapes the final project scope.
BDC outlines:
Your business is assessed against BDC’s lending criteria. Approval timelines vary based on complexity and financial review.
Assuming it’s a grant
This program involves repayment. Cash flow planning matters.
Applying without clear business outcomes
BDC wants practical use cases, not vague AI interest.
Ignoring data readiness
Poor data quality can delay or derail approval.
Not exploring complementary grants
Many businesses miss non-repayable funding that can reduce how much they need to borrow.
Q: How long does the BDC Data to AI application process take?
Timelines vary. Simple projects may move faster, while complex implementations can take several weeks due to advisory scoping and financing review.
Q: Can startups apply for the BDC Data to AI Program?
Early-stage companies may qualify if they meet BDC’s lending criteria. Revenue and financial stability are often key factors.
Q: Is BDC Data to AI financing taxable?
Loans are not taxable income. Interest and related costs may be deductible, but you should confirm with your accountant.
Q: Can I combine this with other government funding?
Yes. Many businesses stack BDC financing with federal or provincial grants, as long as costs are not double-funded.
Q: Does BDC help choose AI vendors?
BDC advisors often help assess solutions and implementation approaches, but final vendor selection remains with your business.
GrantHub tracks hundreds of active grant and advisory programs across Canada — check which ones match your business profile.
If you’re serious about AI but need structure, the BDC Data to AI Program offers both expertise and capital. The smartest approach is often combining BDC support with non-repayable funding where possible. GrantHub helps you compare options, so you can make informed decisions about funding your AI journey.
Was this article helpful?
Rate it so we can improve our content.
Canada Proactive Disclosure Data
The Canadian government has funded over 400,000 businesses through 1.27 million grants and contributions. Check your eligibility in 60 seconds.