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Canada Small Business Financing Loan

Looking for support to start or grow your business? The Canada Small Business Financing Loan (C S B F L) program makes it easier for you to get the small business funding you need.

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Call us: 1-877-262-5907

What are the features?

  • An opportunity to access financing where 85% of your small business loan is guaranteed by Government of Canada, so there’s less risk
  • Up to $500,000 footnote 1 in financing to buy equipment and vehicles, and/or make improvements on a leased property
  • Up to $1,000,000 footnote 1 in financing to buy or improve commercial property (land and/or buildings)
  • Purchases made within 365 days prior to loan approval are eligible for retroactive financing
  • Floating and fixes rates available
  • Amortizations up to 15 years
  • Flexible repayment options that work for you – up to 6 month interest only the first year

Who’s it for?

  • Start-ups and established for-profit businesses located in Canada with gross (or projected) revenues not exceeding $10 million
  • Organizations not eligible include farming businesses, holding corporations and trusts

How do I apply?

Bring your business plan to your local BMO branch and speak with a BMO representative. There is a one-time 2% registration fee payable to the Government of Canada, which can be financed within the loan.

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Loan Protection Options

Protect your business, family and employees with Commercial Loan Insurance Plan

Qualify for up to $1,000,000 footnote 1 in benefits

Get help with cash flow during uncertain times

Connect with us

  • Book an appointment

    Choose the date, time and branch location.

  • Call us

    Give us a call, 24 hours a day, 7 days a week.

  • Find a branch

    And talk to us about your business

Footnote 1 details Subject to meeting Bank of Montreal's usual credit granting criteria.