Commercial Loan

 Commercial loans support businesses with the capital they need to grow, operate, or invest. In Canada, these loans vary by purpose, security, and source of funding. 

• Fixed amount repaid over a set term (1–10 years or more)
   
• Used for major purchases, expansion, or refinancing
   
• Can be secured (by assets) or unsecured
   
• Offered by banks, credit unions, and private lenders

•  Revolving credit for day-to-day business expenses
   
• Interest only on the amount used
   
• Flexible and renewable, often tied to business revenue or receivables

• Loans or leases to purchase business equipment (machinery, tech, vehicles)
   
• Preserves cash flow with fixed payments over time
   
• Equipment acts as collateral

• Canada Small Business Financing Program (CSBFP)
   
  • For purchasing equipment, leasehold improvements, or real estate
     
  • The government guarantees a portion of the loan
     
  • Ideal for startups and small businesses
     

• Advance cash based on outstanding invoices
   
• Improves cash flow while waiting for client payments
   
• Common in B2B industries with long payment cycles