Scotiabank offers a full range of credit solutions for small and mid-sized businesses in Canada. From term loans and lines of credit to the Canada Small Business Financing Program, Scotiabank provides flexible funding options that support growth, equipment purchases, cash flow, and property needs.
Official hub: Scotiabank – Loans & Leases
What is a Scotiabank small business loan?
Scotiabank lends through standard business credit products and through government‑backed programs where eligible. Your loan type depends on purpose, amount, security, and cash flow. The bank outlines core products on its business borrowing hub.
Explore Scotiabank borrowing options
Types of Scotiabank business financing
Term Loan for Business
One‑time financing for major purchases such as equipment or renovations with fixed or variable payments and amortization aligned to asset life. Government‑guaranteed options may be available.
Term Loan for Business – Scotiabank
Business Line of Credit
Revolving working capital to handle seasonal needs, supplier payments, and short‑term cash flow.
Credit Line for Business – Scotiabank
Canada Small Business Financing Program at Scotiabank
Scotiabank participates in the federal CSBFP with both a term loan and a credit line option.
Scotia Flex for Business
A secured global credit limit structure that can bundle multiple products under one borrowing umbrella and scale to growth.
Professional Programs and Specialty Credit
Options tailored for professionals and practices, including larger limits through specialty lines.
Scotia Professional Plan Line of Credit
Black‑Led Business Financing Program
Dedicated financing stream for eligible Black‑led businesses for capital investments and working capital.
Black‑Led Business Financing Program
Who can apply
Scotiabank finances Canadian businesses across many industries. Applications are assessed on business viability, cash flow, credit history, and the purpose of funds. Product pages outline features, terms, and eligibility guidance for each solution. Start at the loans and leases hub and choose the product that fits your need.
Loans & Leases Hub – Scotiabank
Why entrepreneurs choose Scotiabank
Scotiabank provides a broad menu of credit options, access to the federal CSBFP inside the bank’s workflow, and specialty programs such as Scotia Flex for Business and the Black‑Led Business Financing Program. Its product pages clearly describe how each solution supports cash flow, equipment, property, and growth.
The role of The Biz Plans
We prepare lender‑ready business plans that match Scotiabank’s underwriting expectations. Our plans present a clear narrative, market logic, and CPA‑level financials so your repayment capacity is easy to evaluate. We also tailor projections for CSBFP submissions when that structure is the best fit.
How to apply for a Scotiabank business loan
- Review the product that fits your need
- Loans & Leases Hub
- Term Loan
- Business Line of Credit
- CSBFP options at Scotiabank:
- Prepare a business plan and cash flow forecast. (We can help you build a Scotiabank‑ready package.)
- Contact a Scotiabank business advisor through the relevant product page to begin the application.
Additional Scotiabank resources
Ready to get started?
We’ll prepare a clear, lender‑ready Scotiabank business plan with CPA‑built financials and CSBFP‑aligned projections where applicable.
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