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Credit

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Credit solutions to help meet
your business needs

I'm interested in borrowing:

Interested in Borrowing?

I’m interested in borrowing: Less than $50,000

Day-to-Day Credit Needs

Long-Term Credit Needs

Protection against the unexpected

Business Overdraft Protection1

Designed to cover unexpected expenses and shortfalls in your TD Canada Trust Business Chequing Account up to your available credit limit.

Don't be caught short

Enhance your business assets

Business Loan (unsecured)1

For businesses that need amounts of $10,000 to $50,000 to finance the purchase of equipment, vehicles or other fixed assets.

A flexible borrowing option

Easily manage business expenses

TD Business Credit Card

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

Flexible longer-term financing

Business Loan (asset-secured)1

Financing to purchase equipment, vehicles or other fixed assets with loan amortizations up to 30 years2. Lower rates compared to personally secured business loans.

A borrowing solution for longer-life assets

Access funds when you need them

Business Line of Credit (unsecured)1

For businesses with day-to-day working capital needs of between $10,000 and $50,000.

A smart way to manage your operating costs

For starting out and expansion

Canada Small Business Financing Act Loan1

Loans are guaranteed by the Government of Canada (up to 85% of the amount borrowed) to assist with financing, expanding a business. or modernizing your business.

Find out if your qualify

Access funds when you need them

Business Line of Credit (asset-secured)1

For businesses with larger working capital needs who may need to make capital expenditures and need quick access to funds to do so.

Access funds to grow your business

Get more from your property

Business Mortgage1

Financing for the purchase, expansion, or renovation of a business property — including commercial and mixed use commercial/residential properties.

Choose from flexible financing options

I’m interested in borrowing: Between $50,000 and $150,000

Day-to-Day Credit Needs

Long-Term Credit Needs

Access funds when you need them

Business Line of Credit (asset-secured)1

For businesses with larger working capital needs who may need to make capital expenditures and need quick access to funds to do so.

Access funds to grow your business

Flexible longer-term financing

Business Loan (asset-secured)1

Financing to purchase equipment, vehicles or other fixed assets with loan amortizations up to 30 years2. Lower rates compared to personally secured business loans

A borrowing solution for longer-life assets

Easily manage business expenses

TD Business Credit Card

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

Get more from your property

Business Mortgage1

Financing for the purchase, expansion, or renovation of a business property — including commercial and mixed use commercial/residential properties.

Choose from flexible financing options

 

For starting out and expansion

Canada Small Business Financing Act Loan1

Loans are guaranteed by the Government of Canada (up to 85% of the amount borrowed) to assist with financing, expanding, or modernizing your business.

Find out if your qualify

I’m interested in borrowing: More than $150,000

Day-to-Day Credit Needs

Long-Term Credit Needs

Access funds when you need them

Business Line of Credit (asset-secured)1

For businesses with larger working capital needs who may need to make capital expenditures and need quick access to funds to do so.

Access funds to grow your business

Flexible longer-term financing

Business Loan (asset-secured)1

Financing to purchase equipment, vehicles or other fixed assets with loan amortizations up to 30 years2. Lower rates compared to personally secured business loans

A borrowing solution for longer-life assets

Purchase or upgrade your rural property

Rural Property Line of Credit

For customers whose primary residence is on agriculture-zoned land greater than five acres, and who want to purchase and/or upgrade their rural property, or use the funds for other investment purposes.

A borrowing solution for rural property

Get more from your property

Business Mortgage1

Financing for the purchase, expansion, or renovation of a business property — including commercial and mixed use commercial/residential properties.

Choose from flexible financing options

Easily manage business expenses

TD Business Credit Card

Conveniently manage travel, entertainment and other business expenses. Includes access to valuable rewards and various insurance protection, as well as detailed management reports.

A convenient and valuable business tool

For starting out and expansion

Canada Small Business Financing Act Loan1

Loans are guaranteed by the Government of Canada (up to 85% of the amount borrowed) to assist with financing, expanding, or modernizing business.

Find out if your qualify

 

Purchase or improve farm property

Rural Property Mortgage1

A mortgage loan to purchase and/or improve a primary residence on agriculturally zoned land that is more than five acres in size. Available to individuals whose main source of income is off-farm.

A flexible, long-term financing options

Expand Documents needed to obtain business credit

To ensure the prompt processing of your application for credit, the following documents are typically required by your TD Canada Trust Business Banking Specialist.3

  • Confirmation of personal earnings for any owner or guarantor supporting the application (e.g. Notices of Assessment for the most recent two-year period)
  • Personal net worth statement for any owner or guarantor supporting the application
  • Statements to confirm investments/deposits for any owner or guarantor supporting the application (held outside TD Canada Trust)
  • Confirmation of business earnings (e.g. financial statements for the most recent two year period, copy of business plan may be required or Aged Accounts Receivable list for Business Lines of Credit of $150,000 or more)
  • Agreement of Purchase and Sale for Business assets including real estate and equipment (if applicable) or copy of Lease Agreement or Offer to Lease (if applicable)