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Small Business Banking and Financing

Manage cash flow and invest in your business.

From paying suppliers and managing inventory—to upgrading equipment or property investments—we can tailor a flexible financing solution to help you manage unpredictable cash flow and invest for the future.

  • 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.

  • Term Loans

    Need to buy a vehicle for your business, upgrade equipment, or renovate a property? Our cost-effective term loans can support your plans for growth with competitive interest rates and flexible repayment terms. Variable rate loans start at $5,000 and fixed rate loans start at $10,000.

  • Operating Lines of Credit

    Get the flexibility you need to support your business growth with the Royal Business OperatingLine®. Starting at $5,000, our operating line gives you access to funds through your business deposit account.

  • Business Overdraft Protection

    Royal Business Overdraft Protection extends your cash resources by up to $5,000, giving you greater control over your day-to-day cash flow2. You'll enjoy additional peace of mind every time you pay a supplier or make a purchase.


RBC Small Business Cash Flow Tool

This tool can help you to analyze your current cash flow position. It also recommends tailored financing solutions to improve your cash flow.

Learn More

RBC Small Business Cash Flow Tool. This tool can help you to analyze current cash flow position. It also recommends tailored financing solutions to improve your cash flow. Learn More.

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 Also, major newspapers in your area will state the Canadian dollar prime rate of banks.
2) RBC Business Overdraft Protection has a monthly fee of $10 or $5 per cheque.


Talk to an RBC Royal Bank small business advisorContact Us

For help choosing the right financing solution, talk to an RBC Small Business Advisor.

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Tools to Help You