Make the investments you need to grow your business.

Term loan

Achieve your projects of equipment, building or vehicle purchases while maintaining your liquidities for current operations.1
 

Features
 

  • Allows you to finance a wide array of tangible assets and certain intangible assets. 
  • Disbursements according to the work in progress for eligible projects. 
  • Amortization period based on the useful life of the asset financed. 
  • Flexible repayment terms according to your business reality and projects. 
  • Available in CAD and USD. 
  • Competitive pricing, with many options of variable or fixed rates (protection against fluctuations). 

 

Benefits
 

  • Allows you to spread payments on many years leaving you with more liquidities. 
  • Predetermined payment terms and conditions. 
  • Improvement of capital budget management. 
  • Maximize your business's balance sheet structure. 

Revolving term credit: Pre-authorized credit for future capital assets purchases

This revolving term credit allows you to finance future purchases of one or several assets and spread these purchases on one or many term loans up to the pre-authorized amount.1

 

Features
 

  • Pre-authorized credit facility according to your needs and capacity to repay. 
  • Annual review of the available amount and loan conditions. 
  • Loan repayments based on terms and conditions established for term loans.
  • Avantages
     

Benefits
 

  • Allows you to know in advance the amount of credit already at your disposal for future assets acquisitions. 
  • Use your operating line of credit for operating needs and not immobilize it by purchasing assets. 
  • Interest rates charged only when purchases are made. 

Canada Small Business Financing Program (CSBFP)

CSBFP1 is a federal program that helps new and existing Canadian businesses with annual gross (or forecasted) revenues of $10 million or less gain access to bank financing. 
 
With this program, a business can borrow up to 100% of the cost of acquiring eligible assets.

A business may borrow up to $1,000,000, of which a maximum of $500,000 can be used for leasehold improvements or equipment (new or used). From the last amount of $500,000, a maximum of $150,000 can be used to finance intangible assets and working capital costs. 
 
The government's guarantee for financing real property can be a maximum of 15 years for financing real estate assets in Quebec, property outside Quebec, or 10 years for other types of assets. 

Helpful services

Directory of Resources

There are a number of government programs to help you gain access to long-term financing.

Global Trade Solutions

Are you expanding abroad?

Loan insurance

Did you know that you can insure your loans at any time?

The little details that matter

  1. Financing solutions are subject to credit approval by National Bank of Canada.

  2. Prime Rate means the annual variable interest rate published by the Bank from time to time, which it uses to determine the interest rate on demand loans granted by the Bank in Canadian dollars in Canada.