Partners in your success

Whether you’re a franchisor looking to grow your national footprint, or a current franchisee seeking capital to build or upgrade your location, our expert franchising team is here to help you with your borrowing needs over $1 million. We provide you with highly specialized expertise supported by experienced, local relationship managers who work with many of Canada’s most successful franchise systems.

Key benefits

Gain expert industry advice

With expert knowledge built over 25 years of franchise financing in Canada, we’ll provide industry-related advice to help your franchise business grow.

Access customized financing solutions

No two franchises are alike. That’s why we offer customized financing solutions tailored to the unique nature of your franchise. 

Make your ambitions a reality

Working with our CIBC Personal Banking and Private Wealth partners we bring full range of tailored banking services and solutions to make your and your employees ambitions a reality. 

Our services

Franchise financing

Whether you need financing to help with day-to-day expenses, adding new locations, or making improvements to your existing franchise, we offer a range of franchise lending products tailored to your needs.

  • Your individual franchise requirements are in excess of $1 million.
  • Your company is structured as a franchise system and is currently in a growth phase.
  • You may be considering recruiting new franchisees for market expansion, converting your existing business locations from corporately-owned to franchise, or assisting strategic key franchisees with the purchase of additional franchise locations (existing or new build).
  • You may be considering general franchise location upgrades in the form of leasehold improvements and new equipment purchases. 

Operating line of credit

For all of your day-to-day franchise operating expenses, an operating line of credit can help you manage your cash flow. Enjoy the convenience of a revolving line of credit along with the protection of an overdraft limit. 

Term loan

Whether it’s a new franchise build, an acquisition or you want to refresh your existing franchise, a term loan could be right for you. We can lend you the money you need with flexible repayment terms tailored to the franchise network that you belong to.

Credit cards

CIBC Business Plus Visa* Cards give franchise businesses the flexibility, convenience and control to manage their business and employee expenses, with credit offered based on the financials of the business. No matter where in the world their business takes them, clients will have access to the service and support they need and the peace of mind that comes with our comprehensive suite of security and control features. 

Specialized financial solutions for franchises

Cash management services

Save time and money by making your payments and receivables easier than ever while helping you manage your daily banking activity for all your accounts through Cash Management Online® (CMO) Opens in a new window.. CMO helps you execute a wide range of cash management transactions, all designed to help you manage your cash flow more efficiently.  

Business operating account

Handle the day-to-day operation of your business, with a range of flexible account options and access your account information anytime with quick and easy-to-use mobile banking services, including Online Banking through CMO and Telephone Banking to stay on top of your finances.

Personal banking and wealth management franchise owners

Through CIBC’s various wealth management channels, you’ll have access to the personalized service of a professional financial advisor and their team as a franchise owner. This single point of contact will help you with all of your financial planning and banking needs to

  • take care of your finances today;
  • build a solid plan for the future; and
  • adjust that plan should priorities change.

Employee banking

The CIBC Group Banking Plan is a comprehensive suite of financial products and services offered at preferred pricing for franchise employees. The plan is offered at no cost to the franchise clients and assists with employee attraction and retention.

Market insights

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Why franchise?

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New to franchising?

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CIBC NATIONAL FRANCHISE PROGRAM

For borrowing needs under $1 million

Find out more about franchise financing with CIBC Business Banking.

Learn moreabout franchise financing with CIBC Business Banking