Make a one-time purchase, or get ongoing access to funds — we've got flexible borrowing options

Cover large expenses

Fund a one-time purchase with a CIBC Business Loan, up to your approved amount. Buy equipment, invest in property or finance other long-term business goals.

Loan amount

Starting from $10,0001



  • Maintain working capital
  • Select flexible repayment terms to free up cash
  • Choose from competitive fixed and variable interest rates

Cover day-to-day operating expenses

Access funds anytime, up to your approved limit, with a CIBC Business Line of Credit. Use it to support your cash flow and meet your short-term business goals.

Line of credit amount

Starting from $10,0001



  • Access revolving funds
  • Pay interest only on what you use
  • Take advantage of opportunities like trade and inventory discounts

Protect your business from unexpected cash shortfalls

Handle unexpected expenses with CIBC Business Overdraft. You're covered, up to your approved credit limit, when you don’t have enough money in your business account to complete a transaction.

Overdraft amount

Up to $10,0002



  • Pay interest only on what you use
  • Avoid non-sufficient funds (NSF) fees
  • Access funds in case of emergencies

Benefit from a government-supported program

Start, grow or improve your business with a Canada Small Business Financing Loan (CSBFL). The Government of Canada makes it easier for you to borrow funds by sharing the risk with the lender.

Loan amount

Up to $1,000,000 for real estate

Up to $350,000 for leasehold improvements and equipment




For more information about government requirements and eligibility, check out the Canada Small Business Financing ProgramOpens a new window in your browser..


We'll guide you through the application process

Book an appointment

If you're ready to borrow funds, book a meeting with one of our expert advisors. Choose a date, time and CIBC Banking Centre that works for you.

Meet and apply

Meet with an advisor in person, and answer questions about your business and its financial performance. You'll need to bring a few documents to your appointment.Learn about the documents to support your credit application. Opens a popup.

Get a decision

We'll verify your information and review your credit profile. If your application meets our borrowing criteria, you'll get approved for a specific amount with a specific interest rate and repayment term.

Receive funds

After you accept your offer and sign a few documents, you can start using your money directly from your business bank account. Get funds in as little as 2 days — for most applications.3

For full details on what to bring to your meeting, review the business credit application document checklist (PDF, 160 KB) Opens in a new window..

Your business borrowing questions answered

Your business comes first

COVID-19 Support

We’re committed to supporting you and your business through the COVID-19 disruption. Learn more about how we can help through programs, solutions and advice.

Get business advice at your fingertips

Get updated tips, guides and expert advice to help you run your business at any stage. Whether you’re starting, growing or innovating your business, gain business insights from CIBC Biz Hub.

Start your business journey with us

As a new entrepreneur, you can count on us for expert advice and support. We’ll take care of your banking needs, so you have more time to make your business thrive. Start your business.

Here's the kind of expertise you can rely on

Ryan C., Senior Business Banking Financial Advisor at CIBC

“My success comes from taking the time to understand my clients' businesses, their personal finances and all the challenges they face in life — which may or may not be related to finance."

Ryan C., Senior Business Banking Financial Advisor with more than 19 years of experience

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Jennifer W., Business Advisor at CIBC

"I'm passionate about helping my clients, and I feel very grateful when their dreams become reality. That’s exactly what keeps me going."

Jennifer W., Business Advisor with more than 10 years of experience

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Elie C., Senior Business Banking Solution Specialist at CIBC

“I give my clients the right tools to do their banking efficiently and effectively so they can invest more time into the success of their business.”

Elie C., Senior Business Banking Solution Specialist with more than 6 years of experience

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Looking for something else? We've got more borrowing options

Agriculture loans and lines of credit

Manage operating costs, buy new equipment and grow your farm business. Choose from flexible loans or lines of credit that are tailored to your unique needs.4

Banking for Black-owned businesses

 Access expert advice, solutions and financing designed to help Black entrepreneurs, including loans of up to $250,000, through the Black Entrepreneurship Loan Fund.

Franchise financing

Get the financial help you need to meet your franchise and personal goals. Talk to our experts and borrow up to $1 million1.

Let’s talk business