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Dealership Services
Explore flexible financing products for your customers as well as solutions designed to help you manage your inventory and operations.
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Invest in a Big-Ticket Purchase, Property and More
Whether you need to make an investment to stay competitive, modernize equipment or finance expansion, we’re here to help.
- Loans for new and growing businesses
- Government-sponsored loan programs
- Amounts from $5,000 (no maximum)
- Fixed and variable rate options
What type of financing are you interested in?
Not sure where to start? An RBC Business Specialist can recommend what’s right for your business.
Government-Guaranteed
Canada Small Business Financing (CSBF) Loan
Available to new or established businesses
- Up to $1,000,000 term loan
- 85% of loan guaranteed by Federal government
- Purchases within past 365 days are eligible
Fixed and Variable Rates
Business Term Loans
Borrow a lump sum for a large purchase
- Loans start at $5,000
- Buy equipment, inventory or property; refinance debt
- Repayment can be matched to asset's life
Federal Program for New and Existing Farmers
Canadian Agricultural Loans Act (CALA) Loan
Finance farm production, distribution and improvements
- Wide range of assets eligible for financing
- Up to 90% financing for beginning farmers1 and 80% financing for existing farmers
- Competitive rates and flexible payments
Provincial Guaranteed Farm Loan
La Financière Agricole du Quebec (FADQ) Loan
For new or established farmers in Quebec
- Discount of 0.30% to 0.60% off loan interest rate
- Protection against interest rate hikes
- Options to help young producers get started
Competitive Rates and Terms
Commercial Mortgage
Buy or refinance income-producing property
- Finance from $1,250,000
- Fixed and variable rates
- Buy multi-residential, industrial, office or retail properties
Flexible Land-Secured Loan
RoyFarm Agriculture Mortgage
Term mortgage loan to expand, buy land and more
- Farm or land rental income must be at least $25,000
- Long amortization to fit your needs
- Schedule payments to match cash flow
Financing for Small or Hobby Farms
Rural Estates Farm Mortgage
For properties zoned residential, rural, country residential or agricultural
- For owner-occupied properties with a single-family dwelling
- Property must have limited or no farming income (less than $25,000)
- Amortization up to 30 years
Capital Expenditure Financing
Equipment Leasing
Get the equipment you need and preserve cash
- Customized to fit your company's needs
- Finance taxes and installation costs
- Lease payments can be tax deductible
Government-Guaranteed
Canada Small Business Financing (CSBF) Loan
Available to new or established businesses
- Up to $1,000,000 term loan
- 85% of loan guaranteed by Federal government
- Purchases within past 365 days are eligible
Fixed and Variable Rates
Business Term Loans
Borrow a lump sum for a large purchase
- Loans start at $5,000
- Buy equipment, inventory or property; refinance debt
- Repayment can be matched to asset's life
Federal Program for New and Existing Farmers
Canadian Agricultural Loans Act (CALA) Loan
Finance farm production, distribution and improvements
- Wide range of assets eligible for financing
- Up to 90% financing for beginning farmers1 and 80% financing for existing farmers
- Competitive rates and flexible payments
Provincial Guaranteed Farm Loan
La Financière Agricole du Quebec (FADQ) Loan
For new or established farmers in Quebec
- Discount of 0.30% to 0.60% off loan interest rate
- Protection against interest rate hikes
- Options to help young producers get started
Competitive Rates and Terms
Commercial Mortgage
Buy or refinance income-producing property
- Finance from $1,250,000
- Fixed and variable rates
- Buy multi-residential, industrial, office or retail properties
Flexible Land-Secured Loan
RoyFarm Agriculture Mortgage
Term mortgage loan to expand, buy land and more
- Farm or land rental income must be at least $25,000
- Long amortization to fit your needs
- Schedule payments to match cash flow
Financing for Small or Hobby Farms
Rural Estates Farm Mortgage
For properties zoned residential, rural, country residential or agricultural
- For owner-occupied properties with a single-family dwelling
- Property must have limited or no farming income (less than $25,000)
- Amortization up to 30 years
Capital Expenditure Financing
Equipment Leasing
Get the equipment you need and preserve cash
- Customized to fit your company's needs
- Finance taxes and installation costs
- Lease payments can be tax deductible
Specialized Borrowing Solutions
RBC Black Entrepreneur Program
Discover the financing options, advice and other solutions that are available to help Black entrepreneurs get started and grow to the next level.
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Business Loan Calculators
Business Loan Calculator
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Business Cash Flow Calculator
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Your Top Questions Answered
Start by speaking with an RBC Business Specialist, who can assess your needs and recommend the right financing for your business.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
The documentation you will need to provide varies by product, how long you have been in business and your industry. In general, some of the information you may need to provide, includes:
- Copies of your business registration/Incorporation documents
- Your business plan (if you’ve been in business less than 2 years)
- Your most recent tax return and notice of assessment
- Your most up-to-date financial statements
- Statements for any bank or investment accounts that are not held at RBC Royal Bank
Please speak with an RBC Business Specialist for details.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
We offer a wide range of loans and credit lines for businesses of all sizes. Eligibility requirements vary by product, how long you have been in business and your industry. The best step you can take is to speak with an RBC Business Specialist, who will assess your needs and help guide you through your financing options and the application process.
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If you have less than 10 employees:
Call 1-800-769-2520 (24/7) or find a branch near you
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If you have more than 10 employees:
In some cases, yes. The following products work in tandem with an RBC business chequing account:
- Business Overdraft Protection
- Business OperatingLine of Credit
- Canada Small Business Financing Line of Credit
Need an account? Explore our business accounts.
Speak to an RBC Business Specialist
More than 10 employees:
Legal Disclaimer1
Beginning Farmer: “Farmer” who on the date of a CALA loan application, intends to be or has been, engaged in farming in Canada for less than 6 years. The Borrower must be able to prove that they have not earned farming income nor incurred farming-related expenses in one of the past six years by providing a tax return showing no farming income or expenses. For start-up “Farmers” the Borrower must provide a business plan demonstrating the intent to farm.