Taking a closer look at commercial leases
Offer for healthcare professionals
Learn more about our financing products with advantageous conditions
What is your specialty?
We have special packages for:
- Physicians
- Dentists
- Veterinarians
- Pharmacists
- Podiatrists
- Chiropractors
- Optometrists
- Opticians
- Audiologists
- Dental hygienists
- Denturologist
- Medical technologists
- Medical imaging, radiation oncology and medical electrophysiology technologists
- Midwives
- Occupational therapists
- Osteopaths
- Pharmacologists
- Physiotherapists
- Psychologists
- Respiratory therapists
- Speech therapists
We’re here for you at every step
Finance your installments
Whatever your goal, come to us for a financing offer designed for healthcare professionals.
- Purchase of medical or office equipment
- Financing of goodwill
- Financing of real estate
- Financing of leasehold improvements
Access to tailor-made financing solutions
Our financing conditions are tailored to the reality of your sector.1
- Financing up to 100% of the cost of your project
- Capital repayment holiday of up to one year
- Competitive pricing and amortization periods
Facilitate your day‑to‑day management
In addition to financing tools designed for your profession, you can access attractively priced banking solutions that will make it easier for you to manage your clinic.
We offer more than just banking services
Simplify your human resources
Our partners offer HR solutions to simplify how you manage your employees.
- Payroll services
- Pension plans
- Group insurance
Finance a partnership
Are you planning to start a clinic with several partners, or set up a group of labs? Our experts in the Health Group can advise you and help you plan and finance your project.
Prepare your transfer
Your Account Manager will work with a Business Transfer Manager and a Financial Planner to help you make the right choices for your future.
Did you know
We also take care of healthcare professionals like you and not just your company.
Finance your activities
Whether you want to start or develop your practice, or incorporate yourself as a professional, benefit from financing solutions2 adapted to your needs such as:
- Line of credit and term loan at a prime rate3
- Advantageous amortization
- Financing that can cover up to 100% of the costs of starting, acquiring or expanding your practice
Manage your cash flow
Easily manage your professional banking activities with an advantageous account:
- $0 interest
- Free electronic transactions
- Free transactions for management and trust accounts
- Free monthly membership for Internet Banking Solutions for Businesses (single or multi-entity)4
Get the Mastercard Platinum Business® credit card5
Enjoy additional benefits on the Mastercard Platinum Business® credit card:
- $50 discount on annual fees
- Additional card at a rate of $50/year
- Interest rate on purchases: 20.99%.
- Interest rate on balance transfers and cash advances: 22.99%
Additional services at added values
Optimize your accounting with Operio
Benefit from a cloud-based accounting and consulting solution to support your business and the growth of your medical practice.
Contact the Pharmacy Group
Finance your activities
Discover our financing solutions tailored to your needs:
- Working capital
- Acquisition
- Start-up
- Equipment and lease improvements
- Repurchase of shares and/or assets
- Equity withdrawal
- Relocation
- Purchase of a building
Manage your cash flow
Optimize the management of your cash flow with our tools and offers adapted to your situation:
- Negotiated bank pricing
- Business investment account with interest
- Personalized payroll service
- Designated financial planner
- Exclusive offers with several partners
Take advantage of our network
Carry out your projects in complete confidence with our experts from the Pharmacy Group, renown on the Quebec market:
- Preferred agreements in effect with several banners and franchisors
- Sharing a network of recognized contacts
Discover our team
VP and account managers
Caroline Pilon
Associate Vice-president
Suzane Ouellet
Account manager
Geneviève Laroche
Account manager
France Lagrange
Account manager
Nathalie Gilbert
Account manager
Michel Gervais
Account manager
Alex Giguère
Account manager
Nav Thiara
Account manager
Mehdi Guellouz
Account manager
Administrative team
Patrice Collin
Director of Financing Solutions
Sylvie Leblanc
Director of Financing Solutions
Patrick Lecavalier
Director of Financing Solutions
Yvon Jr Leclerc
Director of Financing Solutions
Valérie Robert
Director of Financing Solutions
Anne-Marie Blain
Account agent
Sylvie Cantin
Account agent
Mélissa Castagnier
Account agent
Marie-Josée Gilardeau
Account agent
Lucie Hurtubise
Account agent
Maya Loranger
Account agent
Christiane Gratton
Administrative assistant
Looking for a payment terminal that lets you manage deposits for each professional at your clinic?
Discover our multi-merchant solution and allow your clinic to collect payments effectively.
Looking for advice on managing your wealth?
Learn about our subsidiary Private Banking 1859, our expert in wealth management.
Useful Articles
1. Financing solutions are subject to credit approval by National Bank of Canada.
2. Financing subject to credit approval by National Bank. Certain conditions apply.
3. “Prime rate” means the annual variable interest rate published by the Bank from time to time and used by the Bank to determine the interest rates on demand loans granted by the Bank in Canadian dollars in Canada. Valid for a 1-year term. Ask your Account Manager for the applicable rate for terms over 1 year or consult the base rate page to find out which rate applies on the day’s date.
4. The monthly subscription to our Internet Banking Solutions – Businesses is offered free of charge when enrolling in this package. Certain conditions apply.
5. Annual fees: These fees will appear at the latest on the 2nd statement following the issuance of the card, and once a year after, whether the card is activated or not. Minimum payment: Your minimum payment will correspond to 2.5% of your account balance plus any amount already due or $10, whichever amount is higher. If your account balance is lower than $10, you must pay the entire balance. If you exceed your credit limit, the amount of the minimum payment will be the highest of the following amounts: (a) 2.5% of the account balance or (b) the amount of the overlimit. Grace period: No interest will be charged on purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances or balance transfers. Examples of credit charges calculated for a period of thirty (30) days:
| AVERAGE BALANCE | ||
|---|---|---|
| Annual interest rate |
$500 |
$3,000 |
| 20.99% (regular rate for purchases) |
$8.63 |
$51.76 |
| 22.99% (regular rate for cash advances and balance transfers) |
$9.45 |
$56.69 |
6. Neither National Bank nor Lex Start, nor their representatives, assume any liability for the exactness or reliability of the content. However, any lawyer who renders a service via this platform is liable for that service.
7. See the offer details and conditions.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.
© 2017 Raymond Chabot Grant Thornton S.E.N.C.R.L. and affiliated companies. All rights reserved. Member of Grant Thornton International Ltd. Operio Corporation Inc.
© 2016 Global Payments Inc. ALL RIGHTS RESERVED. Global Payments and the Global Payments logo are trademarks of Global Payments Inc. and may not be copied, imitated, or used, in whole or in part, without prior written consent. All other trademarks, registered trademarked, product names, and logos identified or mentioned herein are the property of their respective owners. Payment processing and pricing approvals provided by Global Payments Direct, Inc. Terminals & terminal services provided by Global Payments Canada GP.
® National Bank Business Central is a registered trademark of National Bank of Canada.
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