Credit
Need help? 
Credit solutions to help meet
your business needs
I'm interested in borrowing:
I’m interested in borrowing: Less than $50,000
Day-to-Day Credit Needs |
Long-Term Credit Needs |
|---|---|
Protection against the unexpectedBusiness Overdraft Protection1 Designed to cover unexpected expenses and shortfalls in your TD Canada Trust Business Chequing Account up to your available credit limit. |
Enhance your business assetsBusiness 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. |
Easily manage business expensesTD 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. |
Flexible longer-term financingBusiness 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. |
Access funds when you need themBusiness Line of Credit (unsecured)1 For businesses with day-to-day working capital needs of between $10,000 and $50,000. |
For starting out and expansionCanada 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. |
Access funds when you need themBusiness 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. |
Get more from your propertyBusiness Mortgage1 Financing for the purchase, expansion, or renovation of a business property — including commercial and mixed use commercial/residential properties. |
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)
