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Visa Business Freedom Solutions

3-in-1 financing package for small businesses and self-employed workers

Eligibility: Must be a Desjardins member 1

Not a member yet? Schedule a call.

Interest rate

Prime rate 2 + 3.5% to 8% 3

Cash back

Up to 1% of your purchases with the Visa Business card 4

Monthly fee

$17 for the package, including 1 card
$3.50 per additional card

How does the Visa Business Freedom Solutions package work?

The Visa* Business Freedom Solutions financing package offers you 3 different credit limits:

  • A credit limit on a line of credit up to $100,000 5  for financing your operating expenses

  • A credit limit on a Visa Business card credit card for paying your day-to-day expenses

  • A credit limit on Accord D Business financing of up to $100,000 5  for your custom financing needs

The line of credit and credit card have the same interest rate, which is set when you apply.

What's included

Visa Business credit card

The Visa Business card is a practical way to pay your business expenses. It helps you monitor and control your spending and it's a quick and flexible financing tool.

  • Up to 1% cash back on purchases 4

  • 21 days to pay off your balance without incurring interest, except on cash advances

  • Travel assistance, business concierge and legal assistance services 6 7    

  • Up to 25% off car rentals 8

Visa Business Freedom Solutions line of credit 5

The Visa Business Freedom Solutions line of credit is linked to your business's chequing account and provides working capital to help you cover operating expenses. You can pay it off anytime with no prepayment penalties as long as you make your minimum payments. It also comes with overdraft protection, so you don't have to worry about insufficient funds.

  • A separate credit limit of up to $100,000 5  for operating expenses

  • Ability to access funds online on AccèsD Affaires

  • Ability to access funds at Desjardins ATMs with the Desjardins Business Debit Card

  • Interest is calculated on the amount used, not the full credit limit

If you need more than $100,000 in financing, consider our operating line of credit.

Accord D Business financing 5

Get a customized financing solution for your business. Use it to finance major business purchases such as new equipment or office furniture.

  • Fast access to financing of up to $100,000 5
  • Interest rates vary based on term and amount

  • No prepayment penalties if you want to pay it off early

  • Available at any time, even if you don't need to use it right away

Additional features and options

  • Optional credit balance insurance to help you pay off your credit card, line of credit or Accord D Business financing if something happens to you (accident or illness).
  • Business Account Management service to manage your Visa Business card account online.
  • Lower transaction fees if you also have a transaction plan.
  • Earn up to 25% in savings at participating merchants with the Visa SavingsEdge* program External link.. 9
  • Visa Account Updater service to help you avoid declined payments due to expired card information. When you get a new card, this service automatically sends your updated card number and expiration date to merchants you have a pre-authorized payment agreement with. Check with these merchants to see if they offer this service.

Manage your accounts online

Use our online tool AccèsD Affaires to easily manage your business accounts anytime, anywhere.

  • Transfer money between your chequing account and Visa Business Freedom Solutions line of credit
  • Pay bills securely
  • Pay employees and suppliers easily with direct deposit
  • Collect payments directly from your customers' accounts with direct withdrawal
  • Make government remittances

Fraud protection

Apply for the Visa Business Freedom Solutions package


If you're already a member, you can apply online.

By phone

If you're not a member yet, call us to apply.

Or we can call you when it's convenient.

Want to see more cards?

Visa Business Advantage

Card for small and medium-sized businesses
Learn more about Visa Business Advantage card

Visa US Business

Card with no currency conversion fees for transactions in US dollars10
Learn more about Visa US Business card

Useful information

* Trademark of Visa International Service Association and used under licence. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Annual prime rate of the Fédération des caisses Desjardins du Québec (Desjardins prime rate). Subject to credit approval. The Fédération des caisses Desjardins du Québec sets the annual interest rate for the business after analyzing its file. For each 12-month period following the date the account was opened, when annual company purchases reach $12,000 and up to $500,000 for Visa Business credit cards, a credit equivalent to 1% of these purchases will be deposited in the company account once a year, the day after the anniversary of the account opening. The maximum cash back per period is $4,880. Cash advances, cheques, interest charges, returned goods, administration, enrollment and renewal fees, fees for optional services, all other fees not related to purchases and cash advances by equal installments are excluded. To be eligible for cash back, your card account must be active on the date scheduled for payment of the cash back. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Credit limit of up to $100,000 for Accord D Business financing or the Business Freedom Solutions Line of Credit, or a combination of the two. Some exceptions apply. Excludes all criminal, penal or tax-related matters and any matters not covered by Quebec or Canadian legislation. Callback from a lawyer within 48 hours of the file being opened. Lawyers are available Monday to Friday from 9 AM to 8 PM and Saturday from 9 AM to 5 PM, except for statutory holidays. Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Discounts will be given in the form of credits and will appear on statements issued 8 to 10 weeks after the purchase date. All conditions and restrictions applicable to the Visa SavingsEdge program are established by Visa Canada Corporation ("Visa"). Visa, not Desjardins, oversees the program. Transactions in currencies other than US dollars will be converted into US dollars. The following fee will apply: 2.5% of the transaction amount, after it has been converted into US dollars. For example, if a Canadian dollar transaction is converted into US$100, you would be charged US$2.50. We apply the exchange rate in effect on the transaction date. This rate is set by the credit card payment network.