Day-to-day borrowing that helps you keep your business running.
Apply once to get access to cash when you need it
With a revolving line of credit, you can respond quickly to business opportunities or cover cyclical costs, like seasonal inventory or payroll shortages. When you pay off your line of credit it automatically renews itself, so the money is available when you need it.
Pay interest only on what you use
You’ll be charged interest only on the amount you use, with no set minimums. Use the money you save on interest to fund new business growth.
Safeguard your chequing account
Use your operating loan as overdraft protection on your business account, so you’re not caught off guard by surprise withdrawals.
Simplify your finances
You’ll have access to your funds through your business banking account and can make payments through your regular deposits.
Lines of credit start at $5,000 with competitive rates based on the current Vancity Prime rate±. You’ll enjoy ongoing access up to your credit limit without the need to re-apply.
With monthly insurance payments, you can make sure your loan is covered in the event of disability, critical illness, or death.
As a Vancity member, you’ll gain access to a dedicated business banking team with local knowledge and decision-making ability.
We offer special packages to meet the unique needs of non-profit organizations. If you operate an arts group, social service provider, social justice organization or faith-based organizations, we can provide lending criteria, guidelines, terms and conditions customized for you.
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As we work toward our own goal of net-zero by 2040, we’re inspired by businesses that are taking action on climate change in their own way. The Silent Gardener Ltd. is a zero-emissions landscaping company that manages large properties with an all-electric fleet of vehicles and battery-powered equipment. As the only company of its kind in Metro Vancouver, they’re trailblazers in their industry, changing expectations for what is possible when a business leads with its values.
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± The Vancity Prime rate represents a variable rate of interest announced by Vancity from time to time as its Prime Lending Rate. Rate subject to change without notice.