Agribusiness Solutions

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Canada Small Business Financing Program

Need financing to establish or expand a business? The CSBFP is a government program designed to help you access it.

Home-grown support

Don’t rely on support from a distance. Our advisors live in your community so they’re up to speed and ready to help.

Accelerated local approvals

Go from first conversation to the right solution fast because we’re based locally and our approvals happen here.

Speaking your language

Partner with a team that talks your talk. Our advisors specialize in agriculture and some have even worked on farms.

In-depth advice

Get more than products. We really crunch the numbers to see what makes sense for your farm now and into the future.

Customized care

Work with your advisor however suits you best – be that over the phone, via text or face-to-face on your farm.

See how we can help your farm grow

NEW Ag Flex Mortgage

Put the equity of your Farmland to work for you with this new option for flexible borrowing at low rates!

  • Access up to 75% of your land value 
  • No need to re-apply or re-qualify for future borrowing, saving you mortgage registration and refinance fees over time
  • Split your total mortgage into sub loans for your various borrowing needs
  • Each sub loan can be set with different rates and payment terms allowing you to track certain borrowings separately from others
  • Repayment plans to suit your needs
  • Options for a fixed or variable interest rate
  • Up to 25 years to repay

Contact your Advisor for more details on this great new product!

Want to explore this option on your residence? See our Residential Flex Mortgage!

Closed Mortgage

The ideal mortgage for agriculture businesses that want to pay off their land faster, while enjoying peace of mind that their interest rate won’t change during the mortgage term. 

  • Fixed interest rate
  • Pre-pay up to 20% of the original mortgage amount annually
  • Option to increase principal and interest payments by up to 20% while the mortgage is in a fixed term
  • Down payment as low as 25% of the land’s value
  • Up to 25 years to repay

Open Mortgage 

The ideal mortgage for agriculture businesses that want the freedom to make unlimited payments towards their mortgage at any time without penalty.

  • Down payment as low as 25% of the land’s value
  • Options for a fixed or variable interest rate
  • Up to 15 years to repay if financing through the Canada Agriculture Loan Act (CALA)
  • Up to 25 years to repay otherwise

Equipment Loan 

The ideal loan for agriculture businesses looking to buy new or used equipment and vehicles.  

Operating Loan

The ideal loan for agriculture businesses that need short-term financing for receivables, inventory, inputs or cash flow needs.  

  • Option to make interest-only payments 
  • Up to 12 months to repay​

Canada Agriculture Loan Act (CALA) Loan

The ideal loan for agriculture businesses looking to establish, expand or improve their farming operation. This government program is designed to help you access the financing you need.

  • Available for the purchase of livestock, land or equipment
  • Finance up to 80% of the purchase price
  • Up to 10 years to repay for equipment and livestock purchases
  • Up to 15 years to repay for land purchases

AgriInvest Account

The ideal savings account for agriculture businesses that want protection from unexpected income declines and support for their investments. This government program matches your contributions to help you set aside an emergency fund.

  • Deposit up to 100% of your Allowable Net Sales annually
  • 1% of your annual deposits is matched by the federal and provincial government
  • Withdraw money at any time to cover small margin declines or for other investments to reinforce your income

Reach out to one of our knowledgeable Business Relationship Advisors for more information on any of our Agribusiness products and solutions!

Keep cash in your pocket with equipment leasing

Need new equipment for your farm? Leasing helps reduce your income tax payables and increase your cash flow.

Boost the benefits of your farm’s credit card spend

From cash back to travel insurance, make the most of your agribusiness’ credit card purchases to earn valuable rewards.
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