Access to the Working Capital You Need to Effectively Operate Your Business

Supplement your cash flow with a line of credit that gives you access to the funds you need, when you need them. The 2-way revolving line of credit, available at a minimal extra cost, automatically deposits funds into your operating account when you are low and transfers funds back to pay your principal.

Ready to Apply?

Call our 24/7 Business Helpline

1-800-769-2520

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.

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*.

Go to 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).

Fee Details

The interest paid on your Royal Business OperatingLine is based on the Royal Bank Prime rate.

$100 set up

$35 or $25 monthly fee (1 way vs. 2 way revolve)

$75 annual monitoring fee

Ready to Get Started?

How many employees do you have?

Call our 24/7 Business Helpline
1-800-769-2520
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