TD Canada Trust is one of Canada’s largest banks, offering a full suite of business financing solutions designed to help entrepreneurs start, expand, and manage their operations.
From working-capital loans to equipment financing and real-estate purchases, TD provides flexible credit options and personalized financial advice to support business growth at every stage.
Official TD Business Banking site:
👉 TD Business Banking – Small Business Loans and Credit
What Is a TD Small Business Loan?
TD’s business-financing programs provide entrepreneurs with the capital needed to cover day-to-day operations, purchase equipment, or invest in growth. TD offers both term loans and lines of credit, allowing businesses to choose between fixed repayment schedules or revolving credit for ongoing flexibility. These products can be customized based on your cash-flow cycle, credit profile, and business objectives.
Learn more:
👉 Borrowing Solutions for Small Business – Short term
👉 Borrowing Solutions for Small Business – Medium to long term
Types of TD Business Financing
- TD Business Term Loan
Provides a one-time lump sum for major purchases such as equipment, vehicles, or facility renovations, with fixed or variable rates and predictable monthly payments.
👉 TD Business Term Loan - TD Business Line of Credit
Offers ongoing access to capital to manage working capital, seasonal expenses, or short-term cash-flow needs.
👉 TD Business Line of Credit - TD Agriculture Lending Solutions
Financing for agriculture directly through TD.
👉 TD Agriculture lending solutions - TD Equipment Financing
Custom solutions for purchasing new or used equipment, tailored to your repayment ability and asset life. - TD Commercial Mortgage
Supports the purchase, expansion, or refinancing of commercial properties, with flexible amortization and repayment terms.
👉 TD Commercial Mortgage – Small Business
Who Can Apply
- Canadian-owned businesses with active operations and revenue generation
- Start-ups with a solid business plan and financial projections
- Established companies expanding operations, purchasing assets, or improving cash flow
- Entrepreneurs with strong personal and business credit history
👉 TD Business Account Eligibility and Requirements
Loan Amounts and Terms
While each TD loan is tailored to the borrower’s needs, typical features include:
- Loan amounts ranging from $10,000 to $1,000,000+ depending on credit strength
- Repayment terms up to 10 years for term loans and flexible revolving access for lines of credit
- Fixed or variable interest rates linked to the TD Prime Rate
- Flexible payment structures aligned with business cash-flow cycles
👉 TD Business Borrowing Details
Why Choose TD Canada Trust
- One of Canada’s largest networks of business-banking advisors
- Access to financing through traditional and government-backed programs such as the CSBFP
- Competitive interest rates and flexible terms
- Integrated banking with TD Merchant Solutions, payroll, and online-banking tools
- A long history of supporting entrepreneurs through every economic cycle
👉 Why Choose TD Business Banking
The Role of The Biz Plans
At The Biz Plans, we help entrepreneurs prepare TD-ready business plans that meet the documentation and analytical standards of one of Canada’s most respected banks.
Our CPA-led financial modeling and strategy ensure your plan clearly presents repayment capacity, market opportunity, and management strength — the three key factors TD evaluates in its loan-approval process.
- Build credible financial forecasts aligned with TD lending criteria
- Develop clear and concise business plans tailored for bank review
- Prepare supporting documents for CSBFP or other government-backed loans through TD
- Present a professional package that instills confidence with lenders
How to Apply for a TD Business Loan
- Review borrowing options on the TD website.
👉 Explore TD Business Mortgage - Prepare a business plan and financial projections. (We can assist you with this.)
- Contact a TD Small Business Advisor at your local branch.
👉 Find a TD Branch or Advisor - Submit your loan application with supporting documents.
- Finalize your loan terms and begin funding.
Additional Resources
- TD Business Borrowing Overview
- TD Business Banking Main Page
- Canada Small Business Financing Loan (CSBFP)
- TD Branch Locator
Final Thoughts
TD Canada Trust has earned a reputation as a reliable banking partner for entrepreneurs across Canada. Its diverse range of business loans, competitive terms, and personalized service make it a preferred choice for small-business financing.
At The Biz Plans, we create detailed, lender-ready business plans that align with TD’s lending standards, ensuring every number, forecast, and narrative supports a strong, credible loan application.
Ready to Start Your TD Business Plan?
We’ll prepare a lender-ready application that meets TD’s standards and supports long-term success.