Interest rates for Canadian business loans are influenced by the Bank of Canada’s policy rate, plus a margin that reflects the risk assumed by the lender. Businesses with a long history of profitability, owners with excellent credit scores, or those that can provide collateral—like commercial real estate, vehicles, or machinery—typically secure lower interest rates. Conversely, newer businesses or those without collateral may face higher rates.

Regardless of your circumstances, we are committed to finding the most favorable rates available for your financing needs.