Small Business

Whether you're just starting out, expanding your practice, or moving into a specialty field, we can help. TD Canada Trust offers the Banking Plan for Medical Doctors - 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
• Business Chequing and Savings Accounts
• Credit lines up to $250,000
• Business Loans with deferred payment options
• TD Business Visa Card with first year's fee waived
• 3 months of free TD Waterhouse Private Banking Services
• Special group rates for Payment Solutions

The TD Canada Trust Banking Plan for Medical Doctors offers:

BANKING SPECIALISTS

Dedicated Small Business Advisor

• A dedicated Small Business Advisor who understands your unique needs as a doctor, 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.

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 a TD Canada Trust Business Chequing Account

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 setting up or expanding your practice
• Flexibility to defer principal payments for up to 12 months while you start or expand your practice, or take eligible family leave³

CREDIT CARDS

TD Business Visa Card

• First year's annual fee waived on the TD Business Visa Card (up to a maximum of 10 cards) when you enroll in the optional TD Visa Travel Rewards Program⁴
• Receive any available welcome TD Point bonus offers upon card approval and enrollment in the TD Visa Travel Rewards program (existing cardholders receive bonus points offerings program upon enrollment). Earn TD Points on everyday business purchases.⁵
• Receive monthly management reporting at no additional cost, to help simplify your recordkeeping

INVESTMENT PLANNING

TD Waterhouse Private Banking Services⁶

• 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 services⁷

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 day⁸ on-site technical support

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 doctor or her/his spouse or children. Eligibility is determined solely by The Toronto-Dominion Bank.
⁴ Yearly Program fee of $99 applies per year per Card enrolled in the TD Visa Travel Rewards Program ("Program"). Annual fee of $50 per Card waived in first year per Card enrolled in Program. All other fees and charges applicable to the Card continue to apply. Fees and features effective as of April 1, 2006 and subject to change.
⁵ Any bonus points will be applied to the new program member card 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 the Card. Credit for returned items, refunds, rebates or similar credits will reduce or cancel the TD Points earned. Fees, cash advances, any service or interest charges, optional services, TD Visa Cheques, balance transfers, refunds, rebates or other similar credits do not earn TD Points.
⁶ 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.
⁷ TD Waterhouse Private Banking services are offered by The Toronto-Dominion Bank. Eligibility requirements will apply.
⁸ Except Christmas Day, in most major centres if the call is received by 4 p.m. on weekdays and 2 p.m. on weekends.