Royal Business OperatingLine Is
Commonly Used For:

  • Providing funds needed to support new business growth
  • Covering gaps in your operating cash flow
  • Simplifying management of your business loans and operating accounts

Key Benefits

Financial Flexibility

Credit lines start at $10,000

Automatic Fund Transfers

Your business deposit balance is automatically checked every business day and funds transferred from your Royal Business OperatingLine to your account to cover any shortfalls. The credit line is then automatically paid down with available funds in your everyday operating account.

Simple Access

Access additional funds for your business deposit account at any time – through ATMs, Online Banking for Business and through the RBC Mobile1 App or in branch.

Business Loan Calculator

If you’re looking to finance business growth, new equipment or more staff, our business loan calculator will help you determine the monthly payment and interest costs for various types of loans*.

Try the Business Loan Calculator

What Else Do You Need to Know?

There are two options for transferring funds between the Royal Business OperatingLine and your RBC everyday operating account**

OperatingLine PLUS: Two-way revolve between the Royal Bank OperatingLine and your RBC operating account means you never have to worry about funds being available or paying the principle of your credit line.

OperatingLine: One-way transfer of funds from your Royal Business OperatingLine to your RBC operating account.

The automatic transfer between the Royal Business OperatingLine and operating account is operated through a Revolving Funds Arrangement. Revolving Funds Arrangement is an arrangement between the client and the Bank that whenever the account is overdrawn, the Bank will revolve the loan up to the available credit limit to cover the overdraft (and Minimum Retained Balance) in agreed upon revolvement multiples. For the OperatingLine Plus option, the Bank will also, whenever there is a credit balance in the Everyday Operating Account, apply all of that balance to the Royal Bank OperatingLine (depending on the revolving increments and Minimum Retained Balance).

Business Loan Insurance Plan*** is also available for the Royal Business OperatingLine of Credit (certain conditions may apply).

Ready to Get Started?

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