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Business loans and financing

Discover our different borrowing options to help you grow your business and keep it running smoothly. 

Explore our business financing solutions

Select at least 1 filter to see loan and financing options that match your needs.

Filtres

  • Operating line of credit

    Overview

    Short-term financing that only charges interest on the amount you use.

    Useful if you want to

    • Optimize your working capital
    • Avoid cash flow shortages
    • Get discounts from suppliers
    Learn more about Operating line of credit
  • Bridge financing

    Overview

    A short-term loan to cover gaps in cash flow for up to 1 year.

    Useful if you want to

    • Stay afloat while waiting to receive income
    • Pursue business opportunities while waiting on funds from a grant, tax credit or capital investment
    • Start or continue funding a capital project until more permanent financing comes in
    Learn more about Bridge financing
  • Revolving credit

    Overview

    Preauthorized credit that you can pay off and use again.

    Useful if you want to

    • Purchase, repair or renovate company assets on an ongoing basis
    • Avoid reapplying for credit every time you need it
    • Have flexible repayment terms
    Learn more about Revolving credit
  • Term loan

    Overview

    A loan to finance long-term business growth projects.

    Useful if you want to

    • Purchase equipment or refinance your debt 
    • Have flexible repayment terms
    • Get a competitive interest rate
    Learn more about Term loan
  • Accord D Business financing

    Overview

    A customized loan that's easy to use and available anytime.

    Useful if you want to

    • Reuse the amounts you've repaid
    • Have flexible repayment terms
    • Get approved quickly
    Learn more about Accord D Business financing
  • Mortgage financing

    Overview

    A loan to finance the purchase, construction or expansion of real estate property by using it as collateral.

    Useful if you want to

    • Have a competitive interest rate
    • Get a loan amount based on the value of your assets
    • Spread out your payments based on the asset you're financing
    Learn more about Mortgage financing

Improve cash flow with factoring

If your business is new or experiencing rapid growth, invoice factoring can help you get paid faster. This service lets you sell your unpaid invoices for immediate cash so you don't have to wait for your customer to pay. 

  • Quick and easy way to boost cash flow
  • Fewer administrative tasks for payment collection
  • Lower risk of non-payment

Contact your account manager for more information.

Desjardins Capital

If you're looking for an alternative to traditional financing, private equity and venture capital could help you meet your business goals. 

We offer tailored financing in the form of equity investments or unsecured loans to suit every business stage. You'll also receive governance advice and strategic support from our team, who understands your local market. 

Find financing programs for your business

Government programs

No matter the size of your business, these programs can give you access to the funding you need to drive growth and achieve your goals.

See government loans and financing programs.

Social finance programs

Get personalized guidance and tailored financing solutions through our Créavenir Youth Entrepreneurship and Desjardins Microcredit programs. These programs are designed for businesses that lack access to traditional lending sources.

See our social finance programs.

FAQ

How can I get financing for my business?

To get financing for your business, you first need to identify your needs. Creating or updating your business plan is an important step. It includes the information your financial institution needs to analyze your file.

Your account manager is there to guide you. If you don't have one yet, schedule a call with one of our financing specialists.

What are the different types of business financing?

Business financing comes in various forms to suit both short- and long-term needs. Examples include loans, lines of credit, government grants and private investments. 

Contact your account manager to find out which option is best for your business.

What is the interest rate on a business loan?

Interest rates for business loans can vary based on several factors, including the loan amount, the loan duration, your business type and general economic conditions. 

Contact your account manager to get your personalized rate. 

Contact us to discuss your needs

Contact your account manager for personalized support.

If you don't have an account manager, contact our team.

By phone

1-888-233-2473, options 3, 2  Phone number for Desjardins Business. This link opens your phone app.

Or we can call you when it's convenient.

Specialized resources for your business

Solutions for your industry

Explore products and services for your business type.

See our solutions by industry.

Sustainable development

Find out how we can help you implement more sustainable practices.

Learn more about business sustainability.

International services

See our tools and advice for your international business needs.

See our international services for business.