Small Business

Whether you're starting a practice, purchasing or expanding an existing one, we can help. TD Canada Trust offers the Banking Plan for Dentists - a package of comfortable banking solutions that combines fast and efficient service and longer branch hours, to make it easier for you to reach your practice and personal goals.

• Dedicated Small Business Advisors
• Credit lines up to $250,000
• Business Loans with deferred payment options
• Special group rate rates for Payment Solutions
• TD Visa Cards with first year's fee waived
• Business Chequing and Savings Accounts
• 3 months of free TD Waterhouse Private Banking Services

The TD Canada Trust Banking Plan for Dentists offers:

BANKING SPECIALISTS

Dedicated Small Business Advisor

• A dedicated Small Business Advisor who understands your unique needs as a dentist, can save you time and simplify your finances. As your practice grows and your needs change, your Advisor can act as a single point of contact to ensure that your banking, borrowing and investment needs are properly taken care of

FLEXIBLE FINANCING OPTIONS

Business Line of Credit¹

• Get up to $250,000 with rates as low as TD Prime²

Business Loans¹

• Up to 100% Business Loan financing of the cost of purchasing a practice or expanding
• Up to 100% financing of equipment purchases
• Flexibility to defer principal payments for up to 12 months while you start or expand your practice, or take eligible family leave³

PAYMENT SOLUTIONS

TD Merchant Services

• Special low rates for debit and credit card transaction processing
• Free installation and reduced rental fee on Point-of-Sale terminals
• Transactions credited to your TD Canada Trust account, 24/7 available telephone support and same day⁴ on-site technical support

CREDIT CARDS

TD Visa Cards with First Year Annual Fee Waiver

• First year's annual fee waived on new TD First Class Travel Visa Infinite Card or TD Platinum Travel Visa Cards⁵
• Receive any available TD Points bonus offer upon approval and earn TD Points on your purchases⁶

DAY-TO-DAY BANKING

Business Chequing and Savings Accounts

• We offer a variety of Service Plans to meet your practice needs
• Get convenient access through EasyWeb, EasyLine and Green Machine ABMs
• Make transfers between your business and personal accounts
• No charge for debit and credit Point-of-Sale terminal deposits when they are automatically credited to your TD Canada Trust Business Chequing Account

INVESTMENT PLANNING

TD Waterhouse Private Banking Services⁷

• Wealth management, estate and tax planning through TD Waterhouse Private Client Services including free initial consultation and three months of free TD Waterhouse Private Banking services⁸

¹ Subject to complying with TD Canada Trust lending policies and criteria.
² "TD Prime" means the annual interest rate established and reported by TD Canada Trust to the Bank of Canada from time to time as a reference rate of interest for the determination of interest rates charged to customers of varying degrees of creditworthiness in Canada for Canadian Dollar loans.
³ Eligible Family leave means parental leave, or time away from work due to illness of dentist or her/his spouse or children. Eligibility is determined solely by The Toronto-Dominion Bank.
⁴ Except Christmas Day, in most major centres if the call is received by 4 p.m. on weekdays and 2 p.m. on weekends.
⁵ Annual fee waived for Primary Cardholder only. All other applicable fees and charges continue to apply. Fees and features are effective as of May 9, 2008.
⁶ Any bonus TD Points will be applied to the new Account upon approval. Bonus points offers cannot be used in conjunction with any other offer and may be changed, extended or withdrawn at any time without notice. TD Points are earned on purchases charged to your Card. Credit for returned items, refunds, rebates or similar credits will reduce or cancel the TD Points earned. Fees, Cash Advances (including Balance Transfers and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Points.
⁷ TD Waterhouse Private Client Services and TD Bank Financial Group each mean The Toronto-Dominion Bank and its related companies that provide deposit, investment, loan, securities, trust and other products and services.
⁸ TD Waterhouse Private Banking services are offered by The Toronto-Dominion Bank. Eligibility requirements will apply.