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Canada Small Business Financing Loan

Looking for support to start or grow your business? The Canada Small Business Financing Loan (CSBFL) program makes it easier for you to get the small business funding you need.



What are the features?

Bearded man conducting business banking on a laptop and standing by computer servers
An opportunity to access financing where 85% of your small business loan is guaranteed by Government of Canada, so there’s less risk
Up to $350,0001 in financing to buy equipment and vehicles, and/or make improvements on a leased property
Up to $1,000,0001 in financing to buy or improve commercial property (land and/or buildings)
Purchases made within 180 days prior to loan approval are eligible for retroactive financing
Floating rates available as well as fixed rates with terms up to 10 years

Who’s it for?

Three business people looking at a computer screen and discussing business opportunities
  • Start-ups and established for-profit businesses located in Canada with gross (or projected) revenues not exceeding $10 million
  • Organizations not eligible include farming businesses, holding corporations, trusts, not-for-profits, charities and religious organizations
Three business people looking at a computer screen and discussing business opportunities

How do I apply?

Bring your business plan to your local BMO branch and speak with a BMO representative. There is a one-time 2% registration fee payable to the Government of Canada, which can be financed within the loan.


Connect with us

Book an appointment
Choose the date, time and branch location.
Call us
1-877-262-5907
TTY: 1-866-859-2089
Let us call you
Have a representative call you back at your convenience.
Find a branch
And talk to us about your business.

  • 1 Subject to meeting Bank of Montreal's usual credit granting criteria.