01Size the deal
BDC Small-Business Property Loan in Canada
Capitalor facts
- The Capitalor Commercial Debt Rate Index places bdc small-business property loan at 6.15% indicative, a 300 bps spread over the Government of Canada 5-year benchmark.
- Typical structure: 75% LTV, 20-year amortization, 5-year term.
- The Capitalor DSCR Stress Band for this product starts at 1.20x coverage.
Indicative rate
6.15%
Typical LTV
75%
DSCR floor
1.20x
Term
5 yr
Capitalor Commercial Debt Rate Index · Last updated 2026-08-14 · Maintained by Capitalor Data Desk
Scope: BDC Small-Business Property Loan · tier 3 · 12 markets published
Inputs: GoC 5-yr benchmark + 300 bps · 75% LTV · 1.20x DSCR · 20-yr amortization
Next scheduled review: 2026-09-14
Crown-lender debt for owner-operators buying their own premises.
How these figures were produced
- Observed — Recorded directly from the cited source series, unadjusted.
- Modelled — Derived arithmetically from observed inputs using the published method; not a market quote.
- Baseline seed — A documented starting estimate awaiting first observation. Treat as an order-of-magnitude figure only.
02Stress the debt
DSCR calculator
Preset to BDC Small-Business Property Loan
Annual debt service
$391,560
DSCR
1.07x
Below lender threshold
Max loan at 1.20x
$4,022,370
LTV calculator
Preset to BDC Small-Business Property Loan
Current LTV
69.2%
Inside lender band
Max loan at cap
$4,875,000
Equity required
$1,625,000
04Choose city
BDC Small-Business Property Loan by market
Debt service is computed on the market's average transaction at 75% LTV and 6.15% over 20 years.
ActQuestions
What rate does bdc small-business property loan carry today?
The Capitalor Commercial Debt Rate Index shows 6.15% indicative, a 300 bps spread over the GoC 5-year benchmark.
What does bdc small-business property loan cost to service per $1M borrowed?
$87,013 a year at 6.15% over 20 years. That is servicing cost only — premiums, fees, and prepayment terms sit outside it.
How much equity will a lender expect?
At 75% LTV the sponsor funds the remaining 25% plus closing costs.
Which coverage ratio clears credit?
1.20x is the floor in the Capitalor DSCR Stress Band for this product. Below it, proceeds are cut until coverage clears rather than the file being repriced.
In how many Canadian markets does Capitalor publish bdc small-business property loan data?
12. Tier 3 products publish only in markets deep enough to support them, so the count is deliberately short of all 66 tracked markets.
Sources
- [1] Bank of Canada valet API — GoC 5-year benchmark
- [2] Capitalor lender term sampling — LTV, DSCR, amortization norms
Not advice — Capitalor is a data publisher. We do not originate, broker, arrange, or place debt, and nothing here is an offer of credit, a quote, or financial advice. Figures are indicative benchmarks for comparison and must be confirmed with a licensed lender or mortgage professional before you rely on them. About Capitalor