Small Business

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

• Dedicated Small Business Advisors
• Credit Lines of Credit up to $250,000
• Business Loans with deferred payment options
• Credit Protection
• Business Chequing and Savings Accounts
• Credit Cards
• Investment Planning

The TD Canada Trust Banking Plan for Engineers offers:

BANKING SPECIALISTS

Dedicated Small Business Advisor

• A dedicated Small Business Advisor who understands your unique needs as an Engineer, can save you time and help simplify your finances. As your firm grows and your needs change, your Advisor can act as a single point of contact to help ensure that your professional and personal banking needs are met.

FLEXIBLE FINANCING OPTIONS¹

Business Line of Credit

• Get up to $250,000 at preferred rates to help finance your day-to-day operating costs and grow your business.

Business Loan

• Business Loan financing of up to 90% of the cost of furniture, leasehold improvements and equipment at preferred rates
• Principal payment deferrals up to 12 months while you start up your firm, or for eligible family leave²
• No application or annual credit review fees

CREDIT PROTECTION

Business Credit Life Insurance³

• Protect your business with low-cost life and accident insurance coverage. Your life or the lives of those key to your business operation, including your spouse, may be insured for the full amount of your Total Authorized Business Credit Borrowings up to a maximum of $1,000,000⁴. If the insured amount exceeds the amount you owe under your Total Authorized Credit Borrowings, including interest, then we will pay the difference to your estate.
• You can apply for this insurance at any time and it requires no medical exam if you answer "no" to all the health questions and/or your Total Authorized Business Credit Borrowings is $500,000 or less.
• You can also increase your coverage by up to $25,000 each year⁵ without meeting any further qualifying conditions.

DAY-TO-DAY BANKING

Business Chequing and Savings Accounts

• A variety of Service Plans to meet your firm's needs
• Get convenient access through EasyWeb Internet banking, EasyLine telephone banking and Green Machine ABMs
• Transfer funds between your business and personal accounts

CREDIT CARDS

TD Business Visa Card with Travel Rewards

• 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 Program.⁶
• 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.⁷
• Receive monthly management reporting at no additional cost, to help simplify your recordkeeping.

INVESTMENT PLANNING

TD Waterhouse Private Banking

• Take your wealth management, estate and tax planning needs to the next level with TD Waterhouse Private Client Services⁸ . Our goal is to help our high net worth clients and their families develop integrated and customized financial solutions throughout every stage of their life cycle.
• TD Waterhouse Private Client Services centres are staffed with top professionals from a number of wealth management disciplines. The Banking Plan for Architects offers a free initial consultation and 3 months of free Private Banking.⁹

¹ Subject to complying with TD Canada Trust lending policies and criteria.
² Eligible Family leave means parental leave, or time away from work due to illness of engineer or her/his spouse or children. Eligibility is determined solely by The Toronto-Dominion Bank.
³ Life coverage is provided by Sun Life Assurance Company of Canada and administered by TD Life Insurance Company. Accident coverage is provided by TD Life Insurance Company.
⁴ At TD Canada Trust.
⁵ Cannot be accumulated year to year.
⁶ 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 September 1, 2006 and subject to change.
⁷ 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.
⁸ TD Waterhouse Private Client means The Toronto-Dominion Bank and its related companies that provide deposit, investment, loan, securities, trust and other products and services.
⁹ TD Waterhouse Private Banking services are offered by The Toronto-Dominion Bank. Eligibility requirements will apply.