Business: Packaging
Status: Year-round, contract-driven
Location: Burnaby, B.C.
Employees: 4 full-time, 2 part-time
Years in business: 11

Shandar has relied on cash flow to fund his custom packaging company’s growth. But recently, a new contract made an expensive upgrade an urgent priority.

Thanks to his long-term relationship with BMO he was able to secure a $150,000 Small Business Line of Credit in just one afternoon.

Shandar added, “The part I really like? There was no application fee, no monthly or annual fees.”

Business: Quick printing and binding
Status: Independent
Location: Winnipeg, Manitoba
Employees: 1
Years in business: 11

Over the years, Judy and Simon have experienced a steady flow of repeat business. But more and more, customers are exercising their option to take 90 days to pay their bills, leaving them with periodic cash flow gaps where none existed before.

A BMO Small Business Line of Credit was the perfect solution. Now they have access to funds whenever they need. “It doesn’t sound like much, but having the money available when we need it saves us a whole lot of worry and stress,” Judy commented.

Business: Coffee and sandwich shop
Status: Non-franchise
Location: Calgary, Alberta
Employees: 4 full-time, 6 part-time
Years in business: 4

Ben and Linda have worked hard to make their coffee and sandwich shop a popular spot with business people and students.

They were overwhelmed when the sudden flooding in 2013 left their store in ruins and staff facing uncertain futures. Thanks to their BMO^® Small Business Line of Credit*, they had instant access to funds while waiting for disaster relief and insurance to come through.

They were able to start rebuilding right away and pay their employees to help them, rather than having to lay them off.