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