Business Term Loans
We’ll lend a hand—and the funds—to make those big investments.
More than just money
We offer you value and expertise, as well as multiple options for payment and amortization.
Flexible financing
You can receive up to 100% financing, secured with owner-occupied property or new/used equipment and machinery.
One loan, many options
You can start or buy a new business, purchase or renovate property, purchase equipment, increase inventory or cover operating expenses.
Key product details
| Interest rate | Fixed or variable |
| Term range | 1–5 years |
| Amortization | Max 20 years |
| Amount | Up to 100% financing |
| Repayment | Flexible terms |
Frequently Asked Questions
Fixed financing is when you agree to an interest rate, then pay a fixed daily amount based on that rate and the funded loan amount. Most fixed interest rates will have a payout penalty if you pay the loan out before the term is up.
Variable financing is when an interest rate is Prime plus an amount and can only be locked in for one year. Prime will fluctuate, but you have the ability to pay off your debt whenever you like without a penalty.
The repayment process is fully automated and will be directly debited from your account. Most businesses like to do monthly payments, but there are options for weekly or bi-weekly payments as well.
The loan can be used for most business needs, like equipment, acquiring a business, building or property purchase or building improvements.
On average, you can expect to pay approximately 25% of the eligible expense, due at the time of purchase. You may wish to talk with one of our representatives for more information.
Connect with an expert.
We're here to lend a hand so your business can keep on growing. Find out how we can help with a Business Term Loan.
Find the right loan for your business.
Stay ahead of the pack
Business Term Loans
Keep your business competitive and move forward with confidence. Partner with ATB to expand, renovate or purchase capital assets.
Realize your vision
Growth Loan
Let ATB help you turn your dreams into reality with some working capital to drive business growth.
We've got your back
Canadian Small Business Financing Program Loan
ATB and Industry Canada work together to help entrepreneurs get started or grow their businesses.
Get fast access to funds
Evergreen Financing
Stay ready for business opportunities that just can’t wait with quick access to additional funds—available throughout the year.
Get the right tools
Equipment Financing
Financing and leasing solutions for any industry to secure all your new or used equipment needs.
Related documents: Additional Services and Associated Charges, Business/Agriculture Account Agreement