Business Financing

The funds you need to grow and thrive.

We understand that financing can be critical to the success of your business. So we offer a suite of business lending solutions at competitive rates that can be customized to meet your needs. Choose from our small business loan and line of credit offerings below. Our Relationship Managers can help you determine the best financing solution for your business.

Business Line of Credit

Business or Equipment Flex Loan

Business Term Loans

Business Mortgage

Business Line of Credit

Access funds for short term uses such as purchasing inventory, paying accounts receivables, or managing seasonal needs.

Business or Equipment Flex Loan

Flexibility to finance various assets such as equipment, vehicles, or machinery with a short-term line of credit that turns into a term loan.

Business Term Loans

Purchase large assets and increase long-term liquidity.

Business Mortgage

Purchase, renovate, or refinance your commercial property.

Determining your financing needs

As you’re exploring financing solutions, this calculator can help you forecast your debt service coverage. This will help you determine whether you can currently afford the additional debt needed to boost your business.

Our working capital needs calculator will help you determine how much of a small business loan or line of credit you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets, and current liabilities, and your target current ratio to find out what you need.

Whether you want to be rewarded for purchases or are looking for a low rate card, Citizens Bank’s Business Credit Cards offer a convenient way to make everyday purchases while improving your cash flow by extending the time between making purchases and paying for them.

Every business is different. We d like to partner with you to understand your needs so we can help customize a business lending solution for you now, while also proactively helping you plan for the future. Simply answer a few questions, and we ll contact you to discuss your best financing options.



Small Business Loan

7:00 a.m. – 12:00 a.m. EST

Ways To Apply

Or, to begin an application, call our Small Business Advice Centre at 1-866-222-3456

7:00 a.m. – 12:00 a.m. EST, 7 days a week

Small Business Loans

Loan for small business

Available Fixed or Floating Interest Rates for Small Business Loans

Flexible Business Loan Payment Options

A Business Loan 1 can help you purchase or upgrade business assets, or help with your expansion plans. The choice is yours.

Secured or unsecured options

  • Available as an unsecured loan 2 in amounts from $10,000 to $50,000
  • Also available as an asset secured loan in amounts from $10,000 to $1,250,000. Flexible security options 3 include:
    • Business real estate
    • Residential real estate (full or partial)
    • Liquid or margin security (full or partial)
    • Business assets

Flexible payment options

  • Choice of 1 to 5 year fixed-rate terms
  • Amortization up to 20 years, based upon the useful life of the asset financed

Fixed or floating interest rates available

  • Floating interest rate options based on TD Prime Rate with no prepayment penalties.
  • Fixed interest rate options available with the flexibility to make 10% principal prepayments annually without penalty.
  • No review fees.
  • Set-up fees may apply.

Protection for your Business Loan

Business Credit Life Insurance can help meet the financial obligations of your business should a person who is key to the success of your business die or suffer a covered accident. Get the coverage your business needs.

Multi-unit property mortgages

We can help you build a customized mortgage for multi-unit residential properties (5+ units).

Expand Let’s continue the conversation

Find an Account Manager, Small Business

Talk to an Account Manager about

your business needs.

Visit us in person

Talk to Us

1 Subject to complying with TD Canada Trust lending policies and criteria including confirmation of good personal credit history. Certain business documentation is required. Other conditions may apply. Set-up fees may apply. Personal guarantee(s) may be required.

Services
Support
Ways to Bank
Contact Us
  • Contact an Account Manager, Small Business
  • Branch Locator
  • Contact a Regional Agriculture Specialist
  • Talk to Us: 1-866-222-3456

Loan for small business



3 ways to get a small-business loan

The recovering economic environment has meant that small businesses have had to be more creative when looking for loans.

However, companies with sound business strategies still can borrow. Options include loans from traditional banks and institutions affiliated with the Small Business Administration, as well as financing from Internet-based lenders.

“For creditworthy, high-scoring small businesses, there is money available,” says George Cloutier, CEO of American Management Services, a consultant to small businesses.

Bank loans

The best place to get a small-business loan is still a bank, says Cloutier. Banks typically offer the lowest interest rates and many have established reputations as trustworthy lenders.

“Many small businesses try three or four banks and then stop looking,” Cloutier says. A more persistent approach has better odds of success.

Calculate business loan payment

Want to calculate your small-business loan payment? Go to Bankrate’s loan and amortization calculator.

“Take out the phone book, target 10 banks and work through that list,” he says.

That strategy worked for Michael McKean. He is founder of The Knowland Group, a company that helps hotels fill up their meeting space.

A few years ago, as the success of The Knowland Group grew, McKean began searching for a bank that would give the growing company expanded access to credit.

“We talked to every bank in our area, at least a dozen,” McKean says. “Many came back with proposals, but the terms were very onerous. Or sometimes they shifted terms.”

Finally, M T Bank came through.

“They just wanted to get our business,” McKean says.

McKean says his company did not approach M T any differently than it had approached the other banks. It was just a matter of being persistent until the right deal came along, he says.

“We did everything right, approaching the right person at each bank,” he says. “We’re a profitable business. I think it was just the … credit crunch that prevented us from getting a loan.”

Cloutier says the key to success with banks is to show past profitability, and to describe a well thought-out plan for future profits.

“If you aren’t making a profit now, you must be able to tell the bank how you will change that in the short term, or you really won’t be able to get a loan,” he says.

He also recommends that businesses start small in their loan requests.

“If you need money for four trucks, ask for two,” Cloutier says. “The bigger the loan request, the harder it is to get it approved.”

SBA loans

Another way to find a bank loan is through the Small Business Administration, or SBA. The SBA can direct you to banks that offer loans guaranteed by the agency. This way, you’ll have the advantage of approaching banks specifically interested in lending to small businesses.

Interested businesses should contact the SBA office nearest to them, which can be found on the agency’s website. Jeanne Hulit, the SBA’s acting administrator, urges businesses to seek a bank that is an experienced SBA lender.

Banks granting SBA loans place increased emphasis on business plans, cash flow and profit forecasts in deciding whether to lend, she says. The SBA also can refer businesses to free counseling centers to improve their performance.

Online opportunities

Another source for loans is the Internet. There are several sites where businesses can seek alternative lenders, such as individuals and small companies.

Interest rates are generally a little higher than what a bank will charge, but it’s much less than what you’ll have to pay on many credit cards.

Look around at different sites, some may charge a one-time fee to list your business, while others are free to list but might have fees reflected in loan rates.

If you’re going to list your company on one of these sites, describe your business in clear and concise language.

Lastly, make sure to investigate the company you are looking to post your business on. These kinds of companies were successful in 2008 and during the recession, but times have changed. Many have since gone out of business. Before paying for anything, make sure the company is legit.



business for sales

Business for sales

COMMENTARY: Save protected areas from mining

Business for sales

Lunenburg native wins Startup Canada’s Young Entrepreneur Award

Business for sales

Blueberry growers face price crisis

Business for sales

How Canada turned to Mexico to fend off TPP pressure from Japan, Australia

Business for sales

VIDEO: Canada’s decision to decline TPP agreement shouldn’t have been surprise: Trudeau

Business for sales

Asia-Pacific forum sticks to free-trade gospel despite Trump

Business for sales

US cities, states defy Trump, still back Paris climate deal

Newcap Radio buys two New Glasgow stations

BUSINESS BOOKSHELF: The Power of Trust

Business for sales

Weinstein’s Impact: List of men accused of sexual misconduct

Business for sales

Crocs, Dawgs decade-long legal battle over clogs moves to Canadian courts

Most actively traded companies on the TSX

Business for sales

Sherritt to transfer part ownership of Madagascar mine to settled debt woes

Business for sales

Cominar looking for Sears replacements after toiling to fill Target locations

Business for sales

Ottawa’s plan for excise tax on medical marijuana draws ire of patients, producers

Business for sales

Trudeau embrace of TPP could hurt tough NAFTA talks with Trump: experts

Business for sales

Alberta puts up $40M to help workers transition during coal-power phase-out

Business for sales



BBC Homepage

Home business ideas for women

Putin insulted by meddling claim – Trump

The Russian leader said he absolutely did not meddle in our election , President Trump says.

Home business ideas for women

Denmark 0-0 Republic of Ireland

Home business ideas for women

The disease that could change coffee

Home business ideas for women

Best ever boozy cake recipes

Home business ideas for women

The world’s most visited city?

Lebanon demands answers from Saudis

President Aoun speaks out amid claims that Lebanon’s prime minister is being held in Riyadh.

Rebel Wilson reveals sexual harassment

The actress complained to the film studio about the disgusting encounter with a male star.

The Russian Revolution and Me

Personal stories from around the world about the impact of 1917

Sport

Hamilton starts from back after crash

Lewis Hamilton starts from the back of the Brazilian GP field following a crash, as team-mate Valtteri Bottas takes pole.

Wales 21-29 Australia

Wales suffer a 13th successive defeat against Australia as the Wallabies score four tries at the Principality Stadium.

Scotland 44-38 Samoa

Scotland withstand a second-half Samoa fightback to open their autumn account with a try-filled victory at Murrayfield.



home business ideas for women

Home business ideas for women

Impact Investing

Home business ideas for women

Gadgets

Home business ideas for women

CNNMoney International Series

Traders

Home business ideas for women

Marketplace Middle East

Home business ideas for women

CNNMoney World

Home business ideas for women

Innovative Cities

Home business ideas for women

Currencies

Investing

  • Home business ideas for women

  • Home business ideas for women

Home business ideas for women

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. . All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S P Dow Jones Indices LLC and have been licensed for use to S P Opco, LLC and CNN. Standard Poor’s and S P are registered trademarks of Standard Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices S P Dow Jones Indices LLC and/or its affiliates.

2017 Cable News Network. A Time Warner Company. All Rights Reserved. Terms under which this service is provided to you. Privacy Policy. .



Home business ideas for women

Home business ideas for women Home business ideas for women

Local

Sports

Arkansas & Texas

Opinion

Nation & World

Religion

A Salute to Veterans: Event honors those who served their country

Home business ideas for women

Defense: Tracy s brain is broken

Home business ideas for women

Son seeks crash site of World War II hero

Home business ideas for women

HAWKS WIN: Pleasant Grove earns 10-0 record with 50-7 victory

Home business ideas for women

Highlights

Home business ideas for women Home business ideas for women Home business ideas for women Home business ideas for women

Latest

HGTV flipped for this Texas couple and new reality series

Masses of old-fashioned, colorful cosmos can be breathtaking

Earthy colors, good lighting, no clutter best for kitchens, feng shui expert says

Ten ways to make rental property more appealing

Holiday juggling: Businesses balance customer, worker needs

Hasbro reportedly offers to buy fellow toymaker Mattel

Texarkana Industrial Index: 114.8

U.K. panel rules Uber drivers have rights on wages, time off

Texarkana close to least expensive in urban survey

Crash involving school buses shuts part of I-30, postpones playoff football game

HAWKS WIN: Pleasant Grove earns 10-0 record with 50-7 victory

Tigers cut down Pine Tree, 56-13

A M-Texarkana falls short to Celts in title game

Lady Hawks season comes to end after loss to Argyle

L-E wins fourth straight, wraps up No. 1 seed for playoffs

Special Sections

Home business ideas for women

Local

Home business ideas for women

A Salute to Veterans: Event honors those who served their country

Home business ideas for women

Defense: Tracy s brain is broken

Home business ideas for women

Alzheimer s group to hold special service

Sports

Home business ideas for women

Crash involving school buses shuts part of I-30, postpones playoff football game

Home business ideas for women

HAWKS WIN: Pleasant Grove earns 10-0 record with 50-7 victory

Home business ideas for women

Tigers cut down Pine Tree, 56-13

Arkansas & Texas

Home business ideas for women

Crash involving school buses shuts part of I-30, postpones playoff football game

Home business ideas for women

East Texan gets help organizing father s military items

Home business ideas for women

Different laws and databases affect gun background checks

Opinion

Home business ideas for women

Managers need to ask why

Home business ideas for women

Some advice on Trump s first midterms

Home business ideas for women

Yet another cultural tipping point?

Home business ideas for women

Wedding: Campbell-Robbins

Home business ideas for women

65th anniversary: Don and Wanda Pounds

Home business ideas for women

DREAM PROPOSAL: Tom Hanks co-stars as couple get engaged

National

Home business ideas for women

Holiday juggling: Businesses balance customer, worker needs

Home business ideas for women

Hasbro reportedly offers to buy fellow toymaker Mattel

Home business ideas for women

Son seeks crash site of World War II hero

Home business ideas for women

Copyright, Privacy Policy, Terms Conditions – Copyright 2015, Texarkana Gazette, Inc. All rights reserved. This document may not be reprinted without the express written permission of Texarkana Gazette, Inc.



government grants for small businesses

Government grants for small businesses

Government grants for small businesses

Government grants for small businesses Government grants for small businesses

Government grants for small businessesGovernment grants for small businessesGovernment grants for small businessesGovernment grants for small businesses

GrantCanada.com is an online list of grants, loans and assistance programs for Canadian individuals and businesses. We will save you many hours, even weeks or months of searching. Get money for a job or for starting/expanding a business. Finding sources of funding is often the single biggest challenge for someone wanting to start or expand their business. Billions of dollars are given out annually by government agencies and foundations in Canada but most Canadians don’t even know these agencies and foundations exist, or how to contact them. You could order the program(s) and we will send you the information.

General Business Programs:

Start up and expansion capital for the purchase of equipment, supplies, real estate premises, machinery, technical knowledge, vehicles, computers, website development, office lease, office renovation, and office furnishings. Finance ranges start from $1000 to a maximum of $10 million.

Employee Assistance Programs:

Programs for hiring, training or retraining employees.

Specific financing programs for women in Canada to assist the start or expansion of a business. Financing up to $100,000.00 available.

Operating Capital Programs:

Programs to provide operating lines and expansion potential.

Product Development Programs:

Programs for initial discovery, prototype rendering, product and market assessment, production methodology, and market penetration.

Business Planning Programs:

Expert technical and financial business planning and company assessment in relation to domestic and international competitors.

Crown Asset Selling Programs:

Excess Federal and Provincial assets are sold at a deep discount to wholesale market prices. Assets available include computers, machinery, vehicles, equipment, furniture, among others.

Research and Development Programs:

Programs to develop ideas in the knowledge industries.

Non-Profit Organizations Programs:

Programs to assist organizations and charities to address timely and continuing social issues.

Import And Export Programs:

Programs to transact business across borders for new or currently existing importers and exporters. Financing for expert market penetration studies, trade show participation, trade representation, transaction financing and insurance protection.

Community Development Programs:

Programs to assist downtown improvement, community organization development, facility construction and redevelopment, and specific community group programs.

Government Procurement Programs:

Federal and Provincial governments provide opportunities for your company to supply goods and services for government purchase.

Market Improvement Programs:

Programs to increase market share within or outside Canadian borders.

Programs to increase visits for small to large tourist industry operators.

Youth Business Programs:

All persons aged 15 – 30 are eligible for financial and consultative programs specific to youths.

Programs are available to various businesses including, but not limited to: retail, immigrants, Aboriginal persons, manufacturing, municipalities, environmental, agri-business, oil and gas exploration and services, forestry, daycare, arts and culture, sports clubs and facilities, health industry and mining.



Small Business Loans – Over 4,000 Sources

Funding for business

Funding for business

Find the Perfect Small Business Loan

Funding for business

Get a list of funding sources and service providers that match your needs, FREE!

Cash lending, Small Business funding, Receivables factoring, Equipment leasing,

Real Estate financing and more.

Start your search today!

Funding for business

Funding for business

Funding for business

Funding for business

Funding for business

Funding for business

Funding for business

Recent Articles

5 Ways to Prep before Applying for a Small Business Loan

You’ve hit a wall in your business growth. You need more working capital. A

Business Loans: Assessing Your Collateral

Every small business will need an infusion of cash at some point. When the need arises, a

The 3 Blessings of Bootstrapping

Venture capital is a buzz phrase these days among entrepreneurs. Yo.

Is Retail Financing Right for Your Business?

For companies whose products have a high sticker value, being able to offer customers multiple payment options is essential. Accepting cr.

Using a 504 Loan for a Commercial Loan

When your business is ready to purchase a property or building, one great option for financing is to use a Small Business Administration .

3 Things You Must Know to Acquire Expansion Financing

Every small business owner looks forward to the day his or her company takes off and has more demand than supply. You might need to pay f.

How to Create the Perfect Business Equipment Loan

Adding new, updated equipment is often the best way to keeping your small business at the forefront of competition while simultaneously i.