Short-Term Financing Solutions

Access the funds you need to grow your business and increase your financial flexibility with an operating line of credit, a bridge loan, a letter of guarantee or accounts receivable and payable financing.1

Learn about our Start-Up Package!

Our Start-Up Package allows you to easily and efficiently obtain the financing you need for your business projects.

  • Receive financing in as little as 24 hours
  • Financing in the form of a line of credit or term loan



Short-term financing solutions to help your business grow

Operating line of credit1

A line of credit can help you manage your cash flow and take advantage of business opportunities.

Features and benefits


  • Variable interest rate, calculated daily based on the Bank's prime rate2
  • Interest payable monthly
  • No set prepayment schedule for principal
  • Can be repaid at any time based on your cash inflows
  • Convenient access via cheque, cash advance, any ABM or Internet Banking Solutions


  • Simplifies cash management
  • Allows you to meet your day-to-day operating needs
  • Borrowing and repayment terms tailored to the needs of your business
  • Helps you avoid insufficient funds fees
  • You only pay interest on the amount you use


BusinessFlex Line of Credit®, 1

Features and benefits


  • Annual fee of $250
  • Note rollovers to the nearest dollar
  • Interest charged only on the amount used
  • Surplus deposit balances in your current account are automatically transferred to your Line of Credit, making your transactions easier to manage and saving you interest costs


  • Quick and easy enrolment
  • Instant access to funds at any time
  • Advantageous renewal fees

Consult the Fee Guide – Banking Services for Businesses for all applicable fees.


Bridge loan1

A bridge loan allows you to meet short-term liquidity requirements while you wait for cash inflows from a grant, tax credit or stock issue.

Features and benefits


  • Short-term loan (expiry in less than one year)
  • Variable interest rate, calculated daily based on the Bank's prime rate
  • Can be repaid at any time based on your projected cash inflows


  • Monetize a projected cash inflow or an amount owed to your business
  • Avoid using the working capital needed for your day-to-day business operations
  • Invest in new projects sooner or seize business opportunities

Accounts receivable and accounts payable monetization1

Accounts receivable monetization allows you to leverage your receivables to obtain more credit and improve your working capital.

Accounts payable monetization allows you to obtain longer payment terms for your purchases and negotiate early payment discounts with your suppliers. Your suppliers will be paid by National Bank as per your instructions.

Learn more

Letter of guarantee1

Guarantees that the Bank will pay an amount to a designated beneficiary (client, supplier, regulatory agency or other business partner), upon request and according to the conditions set out in the letter, should you or a third party fail to meet your contractual obligations to that beneficiary.  

Learn more

Overdraft limit1

Protect your company’s reputation with suppliers and avoid unpleasant situations (refused cheques or preauthorized payments) in the event of insufficient funds.

Learn more

Apply for financing

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

2 Prime means the annual variable interest rate published by the Bank from time to time, which it uses to determine the interest

TM BUSINESS CENTRAL is a trademark of National Bank of Canada

® BUSINESSFLEX is a registered trademark of National Bank of Canada.