Upgrade Your Clinic—and Your Future
Feel as confident in your business and financial future as you do in your skills as a dentist,
with solutions and advice from advisors who can help you achieve your goals.
Borrow Money to Grow or Improve Your Clinic
Access the business financing you need to add staff, acquire dental equipment, attract new patients, or upgrade your clinic management software.
Save with a special rate of Prime minus 0.25% on an operating line of credit or term loan1 with RBC Healthcare Advantage Pro.2
Design a Comprehensive Plan for your Clinic
Benefit from custom strategies and a plan that covers all aspects of your financial well-being. From starting a clinic to retiring from one—and everything in between—we’re here to help.
- Explore opportunities for your clinic, such as leasing vs buying equipment
- Minimize taxes through strategies like income-splitting
- Grow and protect your wealth through retirement and estate planning3
Save Money on Clinic Solutions
Whether you need a payroll solution or data-driven insights to help inform your business decisions, you can save time and money through a range of special offers with RBC Healthcare Advantage Pro2.
BUNDLE & SAVE
Unlock Exclusive Savings and
Preferred Borrowing Rates
Enjoy exclusive savings on your personal and business banking and financing with RBC Healthcare Advantage Pro.
RBC Avion Infinite Business Card8 one-time annual fee rebate
Preferred rates on an operating line of credit or term loan1
Get Help Managing and
Growing Your Dental Clinic
Explore offers from RBC and our partners to help you simplify day-to-day operations,
human resources and more.
All-in-One Dental Practice Management Software*
Get 15% off one-time fees, 15% off subscription fees, and additional fee waivers and discounts on add-on services9.
*Not available in Quebec.
Simplified Payroll and Human Resources (HR) Processes
Get a 30% reduction on ADP fees for select ADP payroll and HR services.10.
A Premium Platform for All of Your Online Banking Needs
Get a free consultation and $30/month waived for RBC Express Core Services11.
Get Advice and Solutions
to Help Simplify Life and Business
Meet with one of our 1,300+ RBC Healthcare Specialists across Canada.
RBC Healthcare Specialist
You can also call our support line at: 1-833-395-8118
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
-
Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
-
Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
-
Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
-
Low Interest Rate
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking®, RBC Enhanced Savings® and RBC Day to Day Savings® accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account®, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year—saving you up to $120/year!1.
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
Receive a full rebate on the annual fee for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards:
- RBC Avion Visa Infinite
- RBC Avion Visa Platinum
- RBC Rewards Visa Preferred
- RBC British Airways Visa Infinite
- WestJet RBC World Elite Mastercard
Royal Business Operating Line of Credit
Supplement your cash flow with a business line of credit that gives you access to the funds you need, when you need them.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Credit lines start at $10,000 and give you the flexibility to borrow only what you need.
-
Automatic Fund Transfers
Cover shortfalls and pay down your credit line without having to think about it.
Other Key Features
- Choose from two ways to transfer funds between your Royal Business OperatingLine and your everyday RBC operating account.
- Access funds anytime through ATMs, Online Banking for Business, the RBC Mobile app or in branch.2
Business Term Loans
Whether you want to acquire new equipment, expand your inventory or open in new locations, a term loan can help you achieve the big goals you have for your practice.
Top Benefits
-
Low Interest Rate
Borrow at Prime minus 0.25%1 as an RBC Healthcare Advantage Pro customer.
-
Flexibility
Variable rate loans start at $5,000.
-
Prepay without Penalty
Make partial or full prepayment at any time.
Other Key Features
- Can be used to purchase or renovate property, upgrade medical or dental equipment or refinance existing debt.
- Typically secured for a term up to seven years but not exceeding the useful life of what is being financed.
RBC Avion Visa Infinite Business Card
Make the most of your business spending by earning Avion points faster on all of your business purchases. And, if you’re an RBC Healthcare Advantage Pro customer, you’ll get a one-time annual fee rebate of $1751 plus 35,000 welcome Avion points when you're approved for the card.2
Top Benefits
-
Premium Travel Benefits
Enjoy access to 1,300+ airport lounges worldwide, plus valuable airport dining and spa offers.4
-
Powerful Reporting Tools and Card Controls
Streamline your business expense tracking.
Other Key Features
- Includes expense management tools and employee card controls to simplify your business operations.
- View customized reports, card transaction data and photos of your paper receipts with Visa Spend Clarity for Business.
RBC Digital Choice Business Account Package
Save time and money if you do most of your banking online or on your phone and gain access to features that can help you manage your practice. And, if you’re an RBC Healthcare Advantage Pro customer, we’ll waive the $6 monthly fee1,2.
Top Benefits
- Unlimited Electronic Debits and Credits3
- Unlimited Electronic Cheque Deposits4
- Unlimited Moneris‡ Credit and Debit Card Deposits
Other Key Features
- Link your eligible RBC business cards5 to your Petro-Canada± card and instantly save 3¢/L on gas at Petro-Canada locations.
- Access special offers and support from a wide range of partners and services that can help you run your business.
- Save money and earn Avion points faster with offers customized to your business.