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How to pay for your AI — without betting the business on it.

The work is built to pay for itself out of the time and money it frees up — we keep it simple. The Quick Start and Diagnostic are paid upfront, and the build is split 50/50, so you fund it from the return, not from debt. Prefer to spread the cost? BDC’s Data-to-AI and LIFT programs can finance your project. Government programs like Ontario’s DMAP exist too, and we’re glad to explain how they work — but we’re AI-adoption consultants, not grant administrators, and we don’t build your plan around chasing one.

How clients actually pay us

StageTerms
AI Opportunity SnapshotFree
Agentic AI Quick Start ($2,495)Paid in full upfront
AI Opportunity Diagnostic (from $3,500)Paid in full upfront
Outcome Build Sprint (from $4,500)50% to start, 50% on completion
AI Operating Partner (from $695/mo)Monthly — cancel with 30 days’ notice

Pay from the return, not from debt. The build is the only stage we split 50/50.

Prefer to spread the cost? BDC financing was built for this

Ottawa now backs small-business AI adoption with $500M in financing paired with advisory. Unlike a grant, it can finance your whole project, for businesses of any size.

ProgramWhat it doesWho it fits
BDC Data-to-AI loanFinances your whole AI project — up to 8 years to repayEstablished, credit-approved businesses
BDC LIFT (federal, Apr 2026)$500M program: AI loans paired with advisory; low rates, deferred principalAbout $1M revenue for the AI stream

What about Ontario’s DMAP grant? Here’s the honest comparison.

If you’re researching DMAP, you’re already thinking the right way about funding. Here’s the part most consultants won’t tell you: DMAP only pays for a plan, not the build — and the rules can slow you down.

BDC financingOntario DMAP / TDP grant
What it fundsYour whole projectDMAP: the $15,000 plan only (the build needs a separate TDP grant)
Who can get itAny size, credit-approvedTDP build money needs $750K+ revenue and a completed DMAP first
Who does the workUs, start to finish — one accountable partnerThe plan-writer can’t be the paid builder, so you’d hand the build to someone else
RepaymentA loan you repay, often at low rates with deferred principalNon-repayable — but it only covers the plan, and the build grant is gated by revenue and a roster
SpeedStart nowApply, wait, 50% reimbursed after the fact — the paperwork is yours

The “who does the work” row is why we stay off the DMAP roster on purpose: it would force us to hand your build to a stranger. We’d rather own the result end to end. If you still want to pursue DMAP yourself, we’ll explain how — we just don’t build your plan around it.

Two myths to clear up: CDAP — the federal $15K digital adoption program everyone remembers — closed in 2024 and has no successor. And the rumoured "20% AI tax credit for small business"? No such credit exists in any federal or Ontario program we can find — if someone is selling it, ask them for the statute.

Start with the free 6-minute Snapshot

Funding information here is for your benefit — we’re AI-adoption consultants, not grant administrators. We don’t manage applications or take grant money. (BDC lends to you; you pay us on our own terms — we’re never paid through a loan or grant.)

All advice vetted by a human — always.

Questions owners actually ask

Why do you recommend BDC financing over the DMAP grant?

Because BDC can finance your whole project so you spread the cost, and you keep one accountable partner from plan to build. DMAP is non-repayable but only funds a $15,000 plan; the build money (TDP) needs $750K+ revenue and a separate application, and DMAP's rules bar the plan-writer from being the paid builder. For most owners, BDC is faster, bigger, and simpler.

Can the DMAP grant pay for an AI adoption plan?

It can pay up to $15,000 (50%) toward a plan written by an OCI-rostered consultant — the plan only, not the build. We're not on that roster by choice, so we can build, not just plan; if you pursue DMAP you'd use a rostered consultant for the plan. We're glad to explain how it works.

Is CDAP still available?

No. The federal Canada Digital Adoption Program closed to new applicants in 2024 and was fully wound down in 2025, with no successor announced.

What is BDC LIFT?

A $500-million Business Development Bank of Canada initiative launched April 2026: AI loans paired with advisory, low rates and deferred principal. The AI stream needs about $1M in annual revenue; the BDC Data-to-AI loan can finance smaller projects so you can spread the cost.