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Operating loans

With the added flexibility of having access to an Operating Loan, you’ll have credit available when you need it.

  • Funds are available through your business banking account.
  • Access to funds is easy – online, our app, ATMs, by phone, cheque or visit any of our over 50 branches.
  • Interest charged only on the amount you use for the time you need it, with no set minimums which means that this borrowing tool is cost effective.

For operating loans starting at $5,000 up to $150,000 we offer:

  • Competitive interest rates and fees.  Interest rate is based on the current prime rate
  • Interest payments can be covered through regular deposits made to your Vancity Business Deposit Account. Minimum monthly deposits must cover the cost of the interest.

For operating loans above $150,000 we offer tailored solutions

For fees on operating loans in excess of $150,000 or in connection with term loans in excess of $150,000, please contact your local Branch who will direct you to a Business Banking Account Manager.

Applying is easy

Simply click the button below to set up a phone appointment with one of our Community Business Banking professionals. Ensure to select the appropriate dollar value.

Book an appointment
  • Visit your local branch
  • Call a Vancity Community Business Banking Account Manager at 604.877.7000 or toll-free at 1.888.Vancity (826.2489)

Vancity also offers Business Loans in US Dollars to assist with your international business needs.