Two business owners signing a loan agreement

Business banking

Funding to help your business grow

From equipment and premises to expansion and cash flow — lending decisions from people who understand small business.

Talk to a business banker See loan types

Loan range

$1K–$5M

Typical decision

3–5 days

Underwriting

Local

Product

Amount

Term

Rate

Business overdraft

$500 – $50,000

Reviewed yearly

From 9.9% APR

Small business loan

$1,000 – $50,000

1 – 7 years

From 7.4% APR

Growth loan

$50,000 – $250,000

1 – 10 years

From 6.5% APR

Commercial mortgage

$100,000 – $2m

Up to 25 years

Ask us

Asset finance

$5,000 – $500,000

1 – 7 years

Ask us

Illustrative rates. Lending is subject to status. Security may be required for larger loans.

What it's for

Finance for every stage of growth

Equipment & vehicles

Finance new or used equipment with terms matched to its useful life.

Commercial real estate

Purchase or refinance owner-occupied or investment property.

Line of credit

A revolving credit line gives flexible access to working capital.

Working capital

Smooth out cash flow between invoices, payroll and expenses.

Expansion & growth

Fund a new location, bigger team or a push into new markets.

Stock & inventory

Buy stock ahead of busy periods without draining your cash reserves.

Why borrow with us

Straightforward from start to finish

Fixed or variable rate

Choose the option that fits your business — your lending specialist explains both.

No early repayment fees

Pay off part or all of your loan early without a penalty.

Local underwriting

Decisions are made by people who look at your whole business, not just a credit score.

A named relationship manager

One person who knows your business for loans over $50,000.

How it works

Three simple steps

Talk to a business banker

Step 1
Speak with a business banker
A no-obligation conversation to understand your funding needs and timeline.
Step 2
Submit your application
Provide business financials and a brief plan. We guide you through every document.
Step 3
Get your decision
Local underwriting means faster answers — most decisions within 3–5 business days.

FAQs

Your questions answered

Typically 2 years of business tax returns, a current profit and loss statement, business bank statements, and personal tax returns for owners with 20%+ ownership.

Yes, with conditions. Strong personal credit, some collateral and a solid business plan can qualify a new business for financing.

Most business loans take 3–5 business days. Commercial mortgages and larger facilities can take 2–4 weeks.

Yes. There are no early repayment fees on our business loans.

Larger loans and commercial mortgages are usually secured against business or personal assets. Your lending specialist will explain what's needed.

Ready to talk financing?

Speak with a business banker about the right loan for your plans.

Talk to a business banker Open a business account

Business banking

Funding to help your business grow

From equipment and premises to expansion and cash flow — lending decisions from people who understand small business.

Talk to a business banker See loan types

Loan range

$1K–$5M

Typical decision

3–5 days

Underwriting

Local

Product

Amount

Term

Rate

Business overdraft

$500 – $50,000

Reviewed yearly

From 9.9% APR

Small business loan

$1,000 – $50,000

1 – 7 years

From 7.4% APR

Growth loan

$50,000 – $250,000

1 – 10 years

From 6.5% APR

Commercial mortgage

$100,000 – $2m

Up to 25 years

Ask us

Asset finance

$5,000 – $500,000

1 – 7 years

Ask us

Illustrative rates. Lending is subject to status. Security may be required for larger loans.

What it's for

Finance for every stage of growth

Equipment & vehicles

Finance new or used equipment with terms matched to its useful life.

Commercial real estate

Purchase or refinance owner-occupied or investment property.

Line of credit

A revolving credit line gives flexible access to working capital.

Working capital

Smooth out cash flow between invoices, payroll and expenses.

Expansion & growth

Fund a new location, bigger team or a push into new markets.

Stock & inventory

Buy stock ahead of busy periods without draining your cash reserves.

Why borrow with us

Straightforward from start to finish

Fixed or variable rate

Choose the option that fits your business — your lending specialist explains both.

No early repayment fees

Pay off part or all of your loan early without a penalty.

Local underwriting

Decisions are made by people who look at your whole business, not just a credit score.

A named relationship manager

One person who knows your business for loans over $50,000.

How it works

Three simple steps

Talk to a business banker

Step 1
Speak with a business banker
A no-obligation conversation to understand your funding needs and timeline.
Step 2
Submit your application
Provide business financials and a brief plan. We guide you through every document.
Step 3
Get your decision
Local underwriting means faster answers — most decisions within 3–5 business days.

FAQs

Your questions answered

Typically 2 years of business tax returns, a current profit and loss statement, business bank statements, and personal tax returns for owners with 20%+ ownership.

Yes, with conditions. Strong personal credit, some collateral and a solid business plan can qualify a new business for financing.

Most business loans take 3–5 business days. Commercial mortgages and larger facilities can take 2–4 weeks.

Yes. There are no early repayment fees on our business loans.

Larger loans and commercial mortgages are usually secured against business or personal assets. Your lending specialist will explain what's needed.

Ready to talk financing?

Speak with a business banker about the right loan for your plans.

Talk to a business banker Open a business account