Support your cash flow and meet your short-term business goals

Borrow funds when you need them, up to your approved credit limit. Pay down your balance and access the same line of credit, so you can cover business expenses today or tomorrow.

Only pay interest on the funds you use — not on your entire credit limit. Pay back the amount you borrow with minimum monthly payments, or pay off your whole balance to save on interest.

Ongoing access to funds gives you the flexibility to get trade or inventory discounts and more.

Business lines of credit at a glance

CAD or USD

Ready to get a business line of credit? We'll guide you through the process

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 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.

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.

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

More great features

Use funds whenever you need them, without reapplying — you don't have to contact us every time.
Pay off all or part of the balance at any time.
Access your line of credit by writing a cheque against your CIBC business account, through CIBC online, mobile or telephone banking, ATM withdrawals or at a CIBC Banking Centre.
Get a combination of borrowing products, such as a loan or overdraft protection, for more flexibility.

CIBC Smart Balance Alert™ 

Forgot about that payment? We’ll send you a text message so you can avoid a non-sufficient funds (NSF) fee and a declined payment.

Learn moreabout CIBC Smart Balance Alert.

Your business line of credit questions answered

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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Resources to help manage your business

Let's talk business

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