Skip to content
Best Business Loan Lenders shieldBest Business Loan Lenders
Powered byLevrGet help choosing
T

TD

Listed
Bank for term loans and business lines of creditToronto, OntarioCanadian business banking; availability and underwriting depend on the selected product and province.
View 1 loan officer at this lender ↓
BBLL 000204Listed Oct 2026From public recordsLast checked Oct 31, 2026
Request contactIs this your lender? Claim it

About

TD Canada Trust offers conventional Canadian business loans and credit lines alongside Canada Small Business Financing products and a BDC-backed operating-cash-flow loan. Product-specific borrowing limits, guarantees and repayment rules differ.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Term loansBusiness lines of creditEquipment financingWorking capital loansCanada Small Business Financing Program
From the lender's own site and public records.

A second look at TD

TD Canada Trust offers conventional Canadian business loans and credit lines alongside Canada Small Business Financing products and a BDC-backed operating-cash-flow loan. Product-specific borrowing limits, guarantees and repayment rules differ.

Canadian bank lending through TD Canada Trust. This profile covers Canadian products, not TD Bank U.S. lending. Government and BDC guarantees support specific bank loans; they do not make the financing a grant.

Published by Levr, not by TD. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business Loan

Use and repayment
Equipment, vehicles and other fixed assets. Fixed-rate terms of 1–5 years; amortization can extend to 30 years depending on asset life and security.
Early payment
Floating-rate borrowing follows TD Prime and has no prepayment penalty. Fixed-rate borrowing permits annual penalty-free principal reductions of up to 10% of the original amount.
Security
Options include business assets, business or residential property and liquid assets. Obtain the exact security and guarantee requirements.
Quote required
The reviewed page does not establish a universal borrowing limit, credit-score cutoff or interest-rate spread.

Provider sources: Canadian Business Loan · Canadian lending overview

Small Business Line of Credit

Structure
Linked to a Canadian or U.S.-dollar business chequing account. Interest applies to the amount borrowed.
Rate and security
Floating pricing references TD Prime or TD U.S. Prime. Security depends on amount and risk; personal guarantees and fees may apply.
Limits
No universal limit, numerical credit cutoff or fee schedule was established from the reviewed page. A U.S.-dollar account does not make this a U.S. lending product.

Provider sources: Canadian Line of Credit

Canada Small Business Financing Loan

Amounts
Up to C$1 million total; up to C$500,000 for equipment and leasehold improvements, within which up to C$150,000 may fund intangible assets and working capital.
Contribution and payments
TD advertises financing up to 90% of eligible asset costs and monthly payments. Amortization generally up to 15 years; eligible real property may use a 25-year repayment schedule, but the CSBFL must be repaid at term end. Replacement financing requires approval.
Entry criteria
Operating or about to operate in Canada, annual gross revenue below C$10 million, selling products or services to the public; farming businesses excluded.
Fees and guarantee
2% federal registration fee, payable upfront or financed within category limits. TD requires a personal guarantee starting at 25% of the loan; extent is determined by TD. Other bank, security and third-party costs may apply.

Provider sources: TD Canada Small Business Financing Loan

Canada Small Business Financing Line of Credit

Limit and duration
Up to C$150,000, additional to the C$1 million CSBFL maximum. Up to five years, with possible five-year renewal or conversion to a term loan.
Eligibility
Canadian operations or planned operations, Canadian business assets, annual gross revenue below C$10 million and public-facing products or services. Farming excluded. Eligible working-capital costs cannot predate approval by more than 365 days.
Security and fees
Personal guarantees and business-asset security required. Registration costs 2% of the authorized limit, plus another 2% on a renewed authorized amount. Other bank and third-party charges may apply.

Provider sources: TD Canada Small Business Financing Line of Credit

Business Accelerator Loan Program

Amount and purpose
C$25,000–C$500,000 for operating cash flow, backed by a BDC guarantee. Floating interest; amortization up to six years.
Eligibility
Canadian business operating continuously for at least 12 months, annual gross revenue below C$10 million, with revenue from goods or services. Additional conditions apply.
Guarantees and costs
Personal guarantees required; one-time BDC guarantee fee of 1% of the loan amount. Bank and third-party expenses may also apply.

Provider sources: TD medium- and long-term lending, BALP section

When it may fit

Our assessment of the published programs

  • Useful comparison for a Canadian business weighing conventional bank credit against government-supported asset or working-capital financing.
  • The separate CSBF line may suit eligible operating expenses; the asset loan has different limits and contribution requirements.

What to weigh carefully

  • These are Canadian products; do not import U.S. TD rates, SBA programs or application requirements.
  • TD pricing is application-specific; no general approval promise or numerical score minimum is established here.
  • Long amortization does not guarantee a matching interest-rate term or automatic refinancing.
  • Government-backed programs still involve borrower repayment, guarantees and bank underwriting.

Questions before you accept an offer

  1. Which product is being quoted, and who is the contracting lender?
  2. What are the rate spread, registration charges, bank fees, appraisal costs and net usable proceeds?
  3. What security, personal guarantee and borrower contribution are required?
  4. When does the rate reset or loan mature, and what happens to any remaining balance?
  5. What documents and operating history apply to this specific product?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Royal Bank of Canada

Compare RBC Canadian bank credit and government-supported options using the same use of funds and security.

CIBC

Compare CIBC Canadian business lending on total costs, guarantees and repayment terms.

BDC

Compare BDC direct financing separately from the BDC guarantee supporting TD BALP.

The lender

Type
Bank
Legal name
Not yet provided Add it
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
Toronto, Ontario
Service area
Canadian business banking; availability and underwriting depend on the selected product and province.
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
td.com
LinkedIn
Company page

Loan officers at this lender (1)

Each loan officer here has a profile of their own.

EC
Estelle ChenListedTelephone Banking Specialist
Loan officer. Listed from public records. Details fill in when Estelle claims the profile.
Unclaimed
Toronto, ON

More lenders in Ontario

All of Ontario
Clearco logo
ClearcoLevr partner
Clearco provides revenue-based funding for U.S. ecommerce brands, with fixed or replenishing capacity and a choice of supplier payments or cash advances. Its current eligibility is materially narrower than a general small-business funding offer.
Revenue based fundersWorking capital loansRevenue based financing
Toronto, ON
Driven logo
DrivenLevr partner
Driven offers Canadian businesses borrowing limits that can be drawn in installments, with separate repayment terms. Its public pages contain conflicting amount ranges, so confirm your available limit and draw terms.
Online lendersWorking capital loansTerm loans
Toronto, ON
FC
Firepower CapitalLevr partner
Firepower Capital is a leading investment bank in Canada, providing M&A advisory and private capital financing to support mid-market entrepreneurs.
Fintech lending platforms
Toronto, ON
FC
Flow CapitalLevr partner
Flow Capital lends growth capital to revenue-generating companies in the US, Canada and UK. Its published structure includes warrants, so borrowers should assess dilution as well as cash cost.
Revenue based funders
Toronto, ON
Powered byLevrStanding rises on evidence, never on payment.