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Starting a business

Turn your lofty idea into a thriving company with our helpful tips, tools and products.

Business banking basics

Business bank accounts

Make things easier by separating your business banking from your personal banking. Find no-fee or low-fee plans to help you get started.

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Financing your business

Take care of start-up costs and ongoing borrowing needs with a small business line of credit, loan or commercial mortgage.

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Managing cash flow

Simplify and improve your payments and payroll process with smart solutions to keep your money flowing smoothly.

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Business credit cards

Easily keep track of business expenses, build your company’s credit history, and even earn rewards or cash back with the right card.

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Help me choose a business bank account

Find the best account for your business with six simple questions.

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More start-up solutions

As you get your business off the ground, here are some financial products that help make things easier.

BMO Debit Card

eBusiness Plan

Skip the monthly fees when you do your business banking online with our eBusiness Plan.
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BMO Rewards Business Mastercard

BMO Rewards Business Mastercard

Welcome Offer: Get 35,000 points after you spend $5,000 in the first 3 months. Plus we’ll waive the annual fee for the first year3.
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Moneris logo loaded on a tablet, a mobile phone and several point-of-sale payment devices

Get a rebate of up to $5004 when you sign up for Moneris

Accept debit and credit card payments any way your customers want to pay, in-store, online or on mobile.
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Your Financial Life

It’s your business – and it’s your life

Need help managing cash flow? Considering franchising? Want some tax tips you can use? Get practical advice on starting and running your business.
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Small business success stories - video

Small business success stories

See what inspired people to create their own business opportunities, what success means to them and how we helped along the way.

Ready to start? Let’s meet and see what you need to succeed.

Book an appointment

Ready to open an account?

Pick a date, time and location that works for you.


Or visit a branch and let one of our BMO Business representatives help you

  • TM/® Trademarks of Bank of Montreal.
  • ®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.
  • ®†/TM† Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal.
  • ®§ ADP and the ADP Logo are registered trademarks of ADP, LLC.
  • ®‡/™‡MONERIS and MONERIS & Design are registered trademarks of Moneris Solutions Corporation. MONERIS BE PAYMENT READY and MONERIS BE PAYMENT READY & Design are trademarks of Moneris Solutions Corporation.
Terms and Conditions
  1. When you sign up for a Business Start or Business Builder 1 Plan between January 1, 2018 and April 30, 2018 , the monthly Plan fee will automatically be waived for the first three months. You are responsible for all transaction, service and product fees not included in your Plan. Offer is limited, mention the PROMO CODE: SBPlans.
  2. For more information on the BMO Everyday for Business Banking Plans, go to
  3. BMO Rewards Business Mastercard applications must be received between January 15, 2018 and April 30, 2018 (the “Offer Period”) to be eligible for this offer. The 35,000 BMO Rewards welcome bonus points offer and the annual fee waiver in the first year is limited to new BMO Rewards Business Mastercard accounts.You will earn 35,000 BMO Rewards points when you spend $5,000 in eligible card purchases (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) in the first three (3) statement periods from the account open date. 35,000 BMO Rewards points will be applied to your BMO Rewards Collector Account on the statement following the eligible $5,000 spend. The annual fee of $120 for the primary owner’s card and the fee for each additional card will be waived for the first year. The annual card fees apply after the first year and will appear on your account statement twelve (12) months after the account open date. This offer is not available to current or former BMO Rewards Business Mastercard cardholders who reinstate a closed account or open a new account during the “Offer Period”. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. 35,000 BMO Rewards welcome bonus points will be applied to your BMO Rewards Collector Account following the first statement after your eligible spend. If you cancel your card within ninety (90) days of account opening, the welcome bonus will be cancelled. This offer may be withdrawn or changed without notice
  4. The promotional offer is available from January 1, 2018 and March 31, 2018 and is available only to new merchants located in Canada that meet the eligibility criteria. For details on the offer and the eligibility criteria, please visit
  5. Receive a HR Services Upgrade to TeamPay by ADP® Enhanced when you are referred by Bank of Montreal (“BMO”) by April 30, 2018 and sign and submit ADP's standard service agreement by May 31, 2018. Cannot be combined with any other promotions and is only available to new ADP clients in Canada with 1-49 employees that are referred by BMO and purchase TeamPay by ADP Essentials. ADP reserves the right to discontinue or modify this promotion at any time.