Our understanding and appreciation of Canadian agriculture dates back to 1817 when we began working with farmers. Because of this experience we know your farm is more than just a business - it's a way of life. Our specialists can recommend the customized loan and deposit solutions that can help you grow on your terms and harvest the benefits of your work.


You work hard, so we try to do our part.


Open a BMO AgriInvest Account to take advantage of government matching contributions under the AgriInvest Program.


Plus, we can help you reduce your business risk, invest for the future, and give you access to the financing you need to operate and grow your farming business.



Plans & Accounts




AgriInvest Account

A no-monthly fee, interest-bearing savings account for agricultural businesses.


The Government Cap on Contributions:

For AgriInvest purposes, eligible participants are able to contribute 1% of their Allowable Net Sales (ANS) to their AgriInvest account, to a maximum ANS of $1,500,000. Based on this limit, the largest matching government contribution would be $15,000.


Sample Calculation:

Allowable Net Sales are equal to your total sales of eligible commodities (including production insurance benefits), minus your total purchases of eligible commodities. For example, sales of canola minus purchases of canola seed;

  • 2014 Eligible Sales: $180,000
  • 2014 Eligible Expenses: $100,000
  • 2014 Allowable Net Sales: $80,000
  • Government Matching Contribution Rate: 1%
  • 2014 Maximum Matching Deposit = $800 ($80,000 x 1%)





Credit Cards


BMO World Elite®* Business Mastercard®*


Earn rewards on all your purchases and get the lowest interest rate of our business cards.



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BMO AIR MILES®† World Elite®* Business Mastercard®*


Get AIR MILES and fly sooner with our highest earn rate.



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BMO CashBack® Business Mastercard®*


Get cash back for all the spend on your card.




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BMO AIR MILES®† No-Fee Business Mastercard®*


Turn your day-to-day business spending into Miles you can use.




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Loans & Commercial Mortgages



Agri ReadiLine® Line of Credit

A mortgage-secured line of credit.


  • Cover daily expenses or make major purchases
  • A single, convenient borrowing option

Farm Equipment ReadiLine®

Ideal for buying new or used farm equipment.


  • Pre-arranged line of credit that's separate from your general operating line

Farm Mortgage

When you need to reorganize farm debt, purchase land or improve your property.


  • Flexible payment options
  • Choice of terms
  • Competitive rates

Payroll solutions

ADP®† Payroll

ADP®†** Payroll

Make payday easier!


  • Pay your employees on time, every time.
  • Feel confident that employees will be paid and taxed accurately.
  • Automate Records of Employment, T4s and pay statements.



Learn more

®Registered trade-mark of Bank of Montreal

TM*/®* Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. Used under license.

®†AIR MILES is a trademark 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. All other marks are the property of their respective owners. Services referenced herein are provided by ADP Canada Co. ADP Canada Co. is not a member of BMO Financial Group. Copyright © 2014, ADP Canada Co.

1Offer is cumulative over the statement period. Award of CashBack rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the CashBack Terms and Conditions and BMO MasterCard Cardholder Agreement. The number of CashBack rewards will be rounded down to the nearest cent number. Fractions of CashBack rewards will not be awarded.


2Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. See your branch; call the Customer Contact Centre at 1-800-263-2263, or visit for current rates and fees.