Business Operating Line of Credit

Personal

Business

Why us

Join us

Manage your cash flow.

Featured member

The Silent Gardener Ltd. is changing the landscaping industry by offering full-scale services without the carbon footprint.

Day-to-day borrowing that helps you keep your business running.

Book an appointment

Features that support your business.

Apply once to get access to cash when you need it

With a revolving line of credit, you can respond quickly to business opportunities or cover cyclical costs, like seasonal inventory or payroll shortages. When you pay off your line of credit it automatically renews itself, so the money is available when you need it.

Pay interest only on what you use

You’ll be charged interest only on the amount you use, with no set minimums. Use the money you save on interest to fund new business growth.

Safeguard your chequing account

Use your operating loan as overdraft protection on your business account, so you’re not caught off guard by surprise withdrawals.

Simplify your finances

You’ll have access to your funds through your business banking account and can make payments through your regular deposits.

We’ll help you make the right moves.

Flexible options

Lines of credit start at $5,000 with competitive rates based on the current Vancity Prime rate^±. You’ll enjoy ongoing access up to your credit limit without the need to re-apply.

Optional payment protection

With monthly insurance payments, you can make sure your loan is covered in the event of disability, critical illness, or death.

Expertise and support

As a Vancity member, you’ll gain access to a dedicated business banking team with local knowledge and decision-making ability.

Take the first step.

Browse by location, language, and other details— and pick your preferred account manager.

Browse our directory

Choose a time that works for you, and one of our business account managers will call you.

Book a phone appointment

Featured member: The Silent Gardener Ltd.

As we work toward our own goal of net-zero by 2040, we’re inspired by businesses that are taking action on climate change in their own way. The Silent Gardener Ltd. is a zero-emissions landscaping company that manages large properties with an all-electric fleet of vehicles and battery-powered equipment. As the only company of its kind in Metro Vancouver, they’re trailblazers in their industry, changing expectations for what is possible when a business leads with its values.

Meet other members making change

Business Operating Line of Credit

Manage your cash flow.

Features that support your business.

We’ll help you make the right moves.

Flexible options

Optional payment protection

Expertise and support

Special options for non-profits.

Take the first step.

Find a business account manager

Schedule a call

Tools to build your business.

Small loans that make a big difference.

Funds for women-owned businesses.

Foreign currency solutions.

Business credit cards with reward points.

Health coverage for your employees.

Point-of-sale and payment technology.

Featured member: The Silent Gardener Ltd.