Small Business

Your business never stays still. It's a highly competitive industry that is affected by so many things out of your control - mortgage rates, employment rates, trends, etc. Despite these unknowns, you've managed to build a successful career in this industry by providing outstanding service and dedicating yourself to meeting your clients' needs. We've developed a comfortable banking plan specifically designed to help meet the unique day-to-day banking and financial needs of Real Estate Brokers like you.

Take advantage of the following when you switch to more comfortable banking at TD Canada Trust today

• Dedicated Small Business Advisors
• No monthly Service Plan fees for the first six months
• No fee for the first year on TD Business Visa Cards
• Set up fee waived² when you sign up for a new payroll service through TD Canada Trust
• Business Lines of Credit of up to $250,000
• Business Loans at competitive rates
• Business Credit Life Insurance

The TD Canada Trust Banking Plan for Real Estate
Brokers offers:

BANKING SPECIALISTS

Dedicated Small Business Advisor

• A dedicated Small Business Advisor understands the needs of managing a real estate office such as yours and will work with you to help you save time and satisfy your banking and financial needs. As your firm grows, your Small Business Advisor can act as a single point of contact to help ensure that both your professional and personal banking needs are met.

DAY-TO-DAY BANKING

Business Chequing and Trust Accounts

• Transfer or establish both your main Business Account and Trust Account at TD Canada Trust and we will waive your monthly Service Plan fees for the first six months. We'll make it easy to move your account to TD Canada Trust with our EasySwitch service. We will coordinate the transfer of account balances and any pre-authorized payments and deposits to you on time and work to ensure that everything is taken care of as quickly as possible. We offer a variety of Service Plans to meet your banking needs. Accessing your new account (including transferring between your business and personal accounts) 24 hours a day, seven days a week is easy with -
  • EasyWeb Internet banking
  • EasyLine telephone banking
  • Green Machine ABMs
  And, many TD Canada Trust branches are open earlier and later to help you manage your unpredictable schedule.

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 Program¹
• Receive any available TD Point bonus offers upon card approval and enrollment in the TD Visa Travel Rewards Program (existing cardholders receive bonus point offer upon enrollment).
• Earn TD Points on everyday business purchases
• Receive monthly management reporting at no additional cost, to help simplify your recordkeeping

PAYROLL SOLUTIONS

Ceridian Payroll Solutions

• Simplify your payroll processing with Ceridian's Powerpay Suite of payroll services offered through the web or telephone.
• When you sign up for the Powerpay Suite through TD Canada Trust, Ceridian Canada will waive the set-up fee of $250.²

FLEXIBLE FINANCING OPTIONS

Business Line of Credit

• Get an operating line of credit up to $250,000³ at competitive rates to help finance your day-to-day operating costs and grow your business.

Business Loans

• Business Loan³ financing for up to 75% of the cost of setting up or expanding your office
• Business Loans are offered at competitive rates

CREDIT PROTECTION

Business Credit Life Insurance⁴

• 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 $1,000,000⁵. 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 are $500,000 or less
• You can also increase your coverage by up to $25,000 each year⁶ without meeting any further qualifying conditions

¹ Yearly fee of $99 applies per year per Card enrolled in the TD Visa Travel Rewards Program ("Program"). Annual fee of $50 waived in first year per Card enrolled in Program up to a maximum of 10 Cards. All other fees and charges applicable to the Account apply. Fees and features effective as of March 1, 2007 and subject to change.
² Payroll Service provided by Ceridian Canada Ltd. Set-up fee waiver of $250 applies only to Powerpay Suite. Fees and features effective as of March 1, 2007 and subject to change.
³ Subject to complying with TD Canada Trust lending policies and criteria, including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply.
⁴ 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.
⁵ At TD Canada Trust.
⁶ Cannot be accumulated year to year.
* Visa International Service Association/Used under license.