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Small Business > Borrowing and Credit > Loans and Lines of Credit

Business Loans & Lines of Credit

Flexible credit options for now and the future

Our wide range of loan and leasing options let you choose what's right for your business now and in the future. Convenient and flexible terms, payment schedules and credit access can let you concentrate on what's most important – running your business.

CreditLine for Small Business™

No annual fee. Low interest rate1. RBC Royal Bank® Visa CreditLine for Small Business™. This unique solution combines an RBC Rewards credit card with a flexible credit line that provides you with access to funds up to $50,000.

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Business Overdraft Protection

Extend your cash resources by up to $5,000.

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Operating Lines of Credit

Get access to funds when your cash flow needs exceed $5,000 - available in Canadian funds.

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Term Loans

Finance business expansion costs at fixed or variable interest rates, in Canadian or US funds. Variable rate loans start at $5,000 and fixed rate loans start at $10,000.

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Business Loan Insurance Plan

RBC Royal Bank Business Loan Insurance Plan provides the extra financial security your business needs during a difficult time, while also protecting your family and the people who keep your business running.

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You could qualify for a lower rate on your business loans.


1) Subject to credit approval. Annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 0.9% and 6.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of Interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The Prime Rate may fluctuate from time to time. It can be found in all of our branches or online at www.royalbank.com/rates. Also, major newspapers in your area will state the Canadian dollar prime rate of banks.