Business Financing Options
Comprehensive commercial lending solutions designed to fuel your business growth and success
Empowering Business Growth
At BMO, we understand that every business has unique financing needs. Our comprehensive suite of commercial lending solutions is designed to support small and medium enterprises at every stage of their growth journey. From startup capital to expansion funding, we provide the financial tools and expertise to help your business thrive in today's competitive marketplace.
Our dedicated business banking specialists work closely with you to understand your specific requirements and recommend the most suitable financing options for your industry and business model.
Commercial Lending Solutions
Equipment Financing
Acquire essential business equipment without depleting your working capital. Our equipment financing solutions cover machinery, vehicles, technology, and specialized tools with competitive rates and flexible terms.
- Up to 100% financing available
- Terms from 2 to 7 years
- Fixed and variable rate options
- Seasonal payment structures available
Working Capital Loans
Maintain smooth operations with flexible working capital solutions. Perfect for managing cash flow, inventory purchases, payroll, and day-to-day operational expenses.
- Quick approval process
- Flexible repayment terms
- Revolving credit options
- Seasonal business support
Lines of Credit
Access funds when you need them with our flexible business lines of credit. Pay interest only on what you use, making it an ideal solution for managing unexpected expenses or opportunities.
- Access up to approved limit
- Interest-only payment options
- Online account management
- Automatic renewal features
Expansion Funding
Fuel your growth ambitions with dedicated expansion financing. Whether you're opening new locations, entering new markets, or scaling operations, we provide the capital you need.
- Customized loan structures
- Competitive interest rates
- Extended repayment terms
- Strategic planning support
Application Requirements
Essential Documentation
- Business financial statements (2-3 years)
- Personal financial statements for guarantors
- Tax returns (business and personal)
- Bank statements (6-12 months)
- Business plan and cash flow projections
- Articles of incorporation and business licenses
- Equipment quotes or purchase agreements
Qualification Criteria
- Minimum 2 years in business
- Strong credit history and score
- Positive cash flow and profitability
- Adequate debt service coverage
- Industry experience and management expertise
- Collateral or security requirements
- Personal guarantees may be required
Industry-Specific Programs
Manufacturing
Specialized financing for equipment purchases, facility upgrades, and working capital needs in manufacturing sectors.
Retail & Hospitality
Tailored solutions for inventory financing, seasonal cash flow management, and location expansion in retail and hospitality.
Technology
Growth capital and equipment financing designed for technology companies and startups with innovative business models.
Business Stage Financing
Startup & Early Stage
Initial capital for new businesses, including equipment purchases, working capital, and establishment costs. We understand the unique challenges of startup financing.
Growth & Expansion
Scaling solutions for established businesses ready to expand operations, enter new markets, or increase production capacity.
Mature Business Support
Refinancing options, equipment upgrades, and strategic financing for well-established businesses looking to optimize their capital structure.
Ready to Explore BMO Services?
Our business banking specialists are ready to discuss your financing needs and help you understand BMO setup process for your commercial lending requirements.
Contact our business banking team to learn more about how BMO accounts work and discover the digital banking basics that can streamline your business operations. Get your comprehensive account use summary and understand the tools for BMO clients that can support your business growth.