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Dealership Services
Explore flexible financing products for your customers as well as solutions designed to help you manage your inventory and operations.
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Instant Access to the Credit Your Business Needs
Whether you want to cover gaps in day-to-day cash flow, access working capital, or purchase materials or inventory, we’re here to help.
- Credit lines for new and growing businesses
- Government-sponsored credit programs
- Flexible and unique products
- Competitive rates and terms
What type of credit line are you interested in?
Not sure where to start? An RBC Business Specialist can recommend what’s right for your business.
Simple and Easy Borrowing
Business Operating Line of Credit
Access the working capital your business needs
- Credit lines start at $10,000
- Funds are available in your RBC business account
- Access your credit line funds via your business account (at the ATM, in online/mobile banking and in branch)
Government-Guaranteed
Canada Small Business Financing (CSBF) Line of Credit
Available to new or established businesses
- Credit line up to $150,000
- Access funds as you need them
- Purchases within past 365 days are eligible
Apply Once to Access Flexible Options
Farm Management Line of Credit
Buy land, finance operations and more using equity in your farm
- Combine financing products to meet your needs, including line of credit, term loan and mortgage
- Re-borrow without the need for a new credit approval
- Choose from a range of terms and rate options
Instant and Extended Credit
Business Overdraft Protection
Cover payments when funds are low and protect your reputation
- Up to $10,000 limit on most RBC business chequing accounts
- Protection against returned cheques or payments for non-sufficient funds2
- Access your overdraft funds via your business account (at the ATM, in online/mobile banking and in branch)
Credit Card and Credit Line in One
Visa CreditLine for Small Business
Access the credit you need and earn rewards
- No annual fee
- Competitive low interest rate
- Earn 1 Avion point for every $2 spent1
Revolving Credit Line
Equipment PurchaseLine
Get pre-approved and be ready to buy when you need equipment
- Choose from lease and term loan options
- Switch from variable to fixed rate, if desired
- Set up once and re-use credit as your balance is paid down
Simple and Easy Borrowing
Business Operating Line of Credit
Access the working capital your business needs
- Credit lines start at $10,000
- Funds are available in your RBC business account
- Access your credit line funds via your business account (at the ATM, in online/mobile banking and in branch)
Government-Guaranteed
Canada Small Business Financing (CSBF) Line of Credit
Available to new or established businesses
- Credit line up to $150,000
- Access funds as you need them
- Purchases within past 365 days are eligible
Apply Once to Access Flexible Options
Farm Management Line of Credit
Buy land, finance operations and more using equity in your farm
- Combine financing products to meet your needs, including line of credit, term loan and mortgage
- Re-borrow without the need for a new credit approval
- Choose from a range of terms and rate options
Instant and Extended Credit
Business Overdraft Protection
Cover payments when funds are low and protect your reputation
- Up to $10,000 limit on most RBC business chequing accounts
- Protection against returned cheques or payments for non-sufficient funds2
- Access your overdraft funds via your business account (at the ATM, in online/mobile banking and in branch)
Credit Card and Credit Line in One
Visa CreditLine for Small Business
Access the credit you need and earn rewards
- No annual fee
- Competitive low interest rate
- Earn 1 Avion point for every $2 spent1
Revolving Credit Line
Equipment PurchaseLine
Get pre-approved and be ready to buy when you need equipment
- Choose from lease and term loan options
- Switch from variable to fixed rate, if desired
- Set up once and re-use credit as your balance is paid down
Apply Once to Access Flexible Options
Farm Management Line of Credit
Buy land, finance operations and more using equity in your farm
- Combine financing products to meet your needs, including line of credit, term loan and mortgage
- Re-borrow without the need for a new credit approval
- Choose from a range of terms and rate options
Specialized Borrowing Solutions
RBC Black Entrepreneur Program
Discover the financing options, advice and other solutions that are available to help Black entrepreneurs get started and grow to the next level.
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Business Loan Calculators
Business Loan Calculator
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Business Cash Flow Calculator
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Your Top Questions Answered
Start by speaking with an RBC Business Specialist, who can assess your needs and recommend the right financing for your business.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
The documentation you will need to provide varies by product, how long you have been in business and your industry. In general, some of the information you may need to provide, includes:
- Copies of your business registration/Incorporation documents
- Your business plan (if you’ve been in business less than 2 years)
- Your most recent tax return and notice of assessment
- Your most up-to-date financial statements
- Statements for any bank or investment accounts that are not held at RBC Royal Bank
Please speak with an RBC Business Specialist for details.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
We offer a wide range of loans and credit lines for businesses of all sizes. Eligibility requirements vary by product, how long you have been in business and your industry. The best step you can take is to speak with an RBC Business Specialist, who will assess your needs and help guide you through your financing options and the application process.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
In some cases, yes. The following products work in tandem with an RBC business chequing account:
- Business Overdraft Protection
- Business OperatingLine of Credit
- Canada Small Business Financing Line of Credit
Need an account? Explore our business accounts.
Speak to an RBC Business Specialist
More than 10 employees:
Legal Disclaimer1
Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
Legal Disclaimer2
Within your overdraft limit.