Business Loans

Access financing to cover larger expenses or investments for your business. Our term loans support needs such as leasehold improvements, purchasing a company vehicle and taking your business to the next level. 

Because your business needs flexibility:

• Competitive interest rates on a fixed or variable basis
• Flexible repayment options
• No penalties on extra payments or early payout
• Access life and disability insurance at competitive rates*

Lines of Credit

Fast and flexible financing to reach almost any business goal. A line of credit can help you manage the timing of cash flow, while successfully managing your business.

Because your business needs room to grow: 

• A line of credit operates on a revolving overdraft basis; you pay interest only on the amount you borrow
• Pay a minimum monthly deposit on outstanding balance or pay interest only - your choice
• Fixed or variable rate of interest
• Minimum amount of $500
• Access life and disability insurance at competitive rates*

Letters of Credit

Letters of credit are used to minimize risk where the buyer and seller may not know one another.

Because your business and its partners need peace of mind:

• Provide instant credibility to potential vendors
• Protect your business against legal risks, ensuring you receive payment as agreed
• Preserve your business’ cash flow by retaining your funds on deposit 

Equipment Financing

Keeping your business equipped to thrive. We offer custom payment structures for your new and used equipment needs.

Because your business requires the tools to grow:

• Financing for up to 75% of the cost of new equipment, or 60% of used equipment
• Amortization up to 7 years.
• Variable or fixed rates available
• 1-5 year terms

Mortgages for Commercial Property

Our Commercial Services Advisors will customize your mortgage based on property use, potential income and opportunities to leverage your borrowers’ equity.

Because your business needs a home:

• ​​Ideal for purchase of retail, office or industrial properties
• Borrow up to 75% of the value of the property

Developer / Construction Financing

Because your business deserves to expand: 

• For acquiring or improving a new premises, or expanding your existing facilities
• Tailored construction financing, property developments and land acquisitions
• Customized based on your business goals