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CIBC Small Business Credit Edge™

Meet your business borrowing needs with a CIBC Small Business Credit Edge loan and/or line of credit.

Getting CIBC Small Business Credit Edge is the borrowing solution for businesses or farms that need to borrow more than $10,000, right up to $100,0001.

Interested in a CIBC Business loan or line of credit?
Visit the nearest CIBC Branch or contact your CIBC business advisor.
1-877-248-4024 toll free

Key benefits


Instant decision In most cases, with supporting documentation it takes a single visit to a CIBC branch to apply and get a decision on your application.2
No set-up fees There are no set-up fees - just one-low monthly administration fee for the line of credit option and a competitive annual review fee for your total credit limit3.
Competitive pricing We offer competitive rates for both unsecured and secured options.
Choose the product that's right for you Select a variable-rate or fixed-rate loan, a variable-rate line of credit, or a combination of the 2. You can also choose a secured or unsecured option, with funds in either Canadian or U.S. dollars.4

Is it for you?

CIBC Small Business Credit Edge could be for you if you:

  • Are a small business owner or agriculture producer and have at least 20% ownership in the business
  • Need to borrow between $10,000 and $100,000 for your business (Canadian dollars or U.S. equivalent)
  • Need money to meet daily operating needs or support seasonal cash flows
  • Need money to purchase equipment

Trademarks and Disclaimers

1 All loan, line of credit and Small Business Overdraft applications must meet CIBC lending criteria. Subject to credit approval. Rates and limits will be determined based on an assessment of application. Some conditions and restrictions apply. The interest rate on variable rate loans, lines of credit and Canadian dollar Small Business Overdraft will change whenever CIBC's Prime Rate changes. Personal guarantee from all principals who have 33% ownership interest or more required.

2 Credit decision based on receipt of a complete application and supporting documentation.

3 You will be charged one annual review fee for all products under your total credit limit.

4 Depending on your credit rating, some options may not be available and/or some conditions may apply.

™ Trademark of CIBC