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Welcome to BMO SmartSteps® for Business
Need smart solutions to help your business reach its full potential? Simply complete this quick, easy BMO SmartSteps for Business Assessment Tool. Your answers will generate a strategic Action Plan outlining recommendations to help your business operate more effectively.
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BMO SmartSteps® for Business
Help us get to know your business by selecting the answer that best applies to you.
1) I have been in business:
2) My annual business revenue is:
3) My business employs:
4) My industry is:
Please specify
5) My business deals in these currencies:
Managing my cash
How does your business handle the flow of cash into and out of your business?
1) I am using a payment provider to accept debit and credit cards.
2) Late customer payments can leave me short on cash.
3) I struggle with cash flow for day-to-day operations or when pursuing new
business opportunities.
business opportunities.
4) I prefer to conduct financial transactions online.
Managing daily operations
How does your business manage accounts, staff, paperwork?
1) I prepare my own business taxes.
2) I would benefit from real-time balances anytime/anywhere.
3) I use my personal credit card for business.
4) I manage payroll myself.
Financing and investing
How does your business plan on managing future growth?
1) There are opportunities to use the profits generated by my business
more effectively.
more effectively.
2) There are big fluctuations in my business cycle.
3) I feel prepared for unexpected costly events.
Beyond my business
Are you and your business prepared for the future?
1) My business is the primary source of income
for my family.
for my family.
2) My business is also my retirement plan.
3) I have a plan in place for exiting the business.
4) I feel prepared for retirement.
5) Insurance is part of my financial plan.
Your Action Plan
Review your plan options with a specialist.
| Let us contact you |
Appointment booking |
Locate a branch |
1-877-262-5907 |
Based on your answers, we recommend the following smart solutions to help your business operate more effectively.
Everyday Banking for Business Plans
Keep banking costs as low as possible by choosing the BMO® banking plan option that meets your business banking needs.
- Convenient access to your accounts in-branch, by telephone or online
- Use the Everyday Banking for Business Plan Calculator to find the plan that's right for your business
- Learn more
Franchise Program
Specialized expertise and strong business and financial support to help keep your franchise running smoothly.
- Customized financing solutions to cover day-to-day operating expenses, inventory demands, capital costs, expansion, or other franchising needs
- Expert advice from our team of National Franchising Service experts
- Extensive online franchising information and resources
BMO® MasterCard®* for Business
A range of credit cards to suit every business – offering valuable rewards, such as AIR MILES®™ reward miles and CashBack®, and a cost-saving low-interest, no-fee option.1
- Control and manage everyday business expenses, streamline business purchasing and reduce paperwork
- Our online Help Me Choose tool can help you select the card that's right for your business
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. Charges may apply. Available only to Canadian residents.
Small Business Line of Credit/Homeowner's Line of Credit
Control business costs by borrowing only the amount you need – at a competitive variable interest rate with easy access to funds through a BMO® Debit Card for Business or by cheque.1
- For credit needs up to $250,000, one simple no-fee application
- Creditor Life and Disability Insurance from Sun Life available.
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Moneris®‡ Solutions
Payment processing solutions to improve cash flow, reduce costs and improve customer service.1
- More payment options for your customers encourages sales
- Convenient access to card payment funds the next business day
- Learn more
1 Services referred to herein are provided by Moneris Solutions Corporation. Moneris Solutions Corporation is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact Moneris Solutions Corporation for more details.
Online Banking
With 24/7 secure access to your accounts, do your business banking when it suits your schedule.1
- Around-the-clock access to the financial services you need
- Stay up-to-date with 24/7 access to your business accounts
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Business Premium Rate Savings Account
A high-interest savings account for funds that exceed your day-to-day operating needs.
- Offers a competitive interest rate, with interest earned daily and paid monthly
- No minimum balance requirement and instant access to funds
- Learn more
Registered Retirement Savings Plans (RSPs)
A savings plan "registered" with the federal Canadian Revenue Agency (CRA) that lets you save money by earning income on tax-deferred basis until you retire. Your RSP can hold many types of investments.
- BMO® RSP Premium Rate Savings Account
- BMO Guaranteed Investment Certificates (GICs)
- BMO Mutual Funds
- Self-Directed RSP
- Learn more
ADP®† Telephone Payroll for Small Business
A simple, convenient, cost-effective way to pay your employees.1
- Save time by automating your payroll activities
- With no software to install or hardware to maintain, processing payroll is easy, straightforward and cost-effective
- Transmit hours worked – by phone – and our dedicated Small Business team will process your payroll and disburse all funds and relevant taxes
- Learn more
1 Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact ADP Canada for more details.
BMO® Tax Payment and Filing Service
By streamlining the payment of most business taxes, this convenient web-based service helps free up time for you to spend on your business.
- Minimizes costs, time and errors associated with manual payment processing
- Reduces the risk of late payments and associated charges
- Learn more
Creditor Insurance
Why let an accident or an illness destroy your life's work? Creditor Insurance protects you should the unexpected occur by offering life and disability insurance on these Small Business Loan Products:
- Small Business Line of Credit/Homeowner's Line of Credit
- BMO® Small Business Instalment Loan
- Learn more
U.S. Dollar Bank Accounts
Do business in the U.S. without the hassle of paying foreign exchange rates.
- Offers the flexibility to write cheques, make withdrawals, transfer and deposit and pay bills in U.S. funds
- Choose from the U.S. Dollar Business Current Account or the U.S. Dollar Business Premium Rate Savings Account, depending on your needs
- Learn more
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
Everyday Banking for Business Plans
Keep banking costs as low as possible by choosing the BMO® banking plan option that meets your business banking needs.
- Convenient access to your accounts in-branch, by telephone or online
- Use the Everyday Banking for Business Plan Calculator to find the plan that's right for your business
- Learn more
Franchise Program
Specialized expertise and strong business and financial support to help keep your franchise running smoothly.
- Customized financing solutions to cover day-to-day operating expenses, inventory demands, capital costs, expansion, or other franchising needs
- Expert advice from our team of National Franchising Service experts
- Extensive online franchising information and resources
Moneris®‡ Solutions
Payment processing solutions to improve cash flow, reduce costs and improve customer service.1
- More payment options for your customers encourages sales
- Convenient access to card payment funds the next business day
- Learn more
1 Services referred to herein are provided by Moneris Solutions Corporation. Moneris Solutions Corporation is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact Moneris Solutions Corporation for more details.
Small Business Line of Credit/Homeowner's Line of Credit
Control business costs by borrowing only the amount you need – at a competitive variable interest rate with easy access to funds through a BMO® Debit Card for Business or by cheque.1
- For credit needs up to $250,000, one simple no-fee application
- Creditor Life and Disability Insurance from Sun Life available.
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
ADP®† Telephone Payroll for Small Business
A simple, convenient, cost-effective way to pay your employees.1
- Save time by automating your payroll activities
- With no software to install or hardware to maintain, processing payroll is easy, straightforward and cost-effective
- Transmit hours worked – by phone – and our dedicated Small Business team will process your payroll and disburse all funds and relevant taxes
- Learn more
1 Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact ADP Canada for more details.
Business Premium Rate Savings Account
A high-interest savings account for funds that exceed your day-to-day operating needs.
- Offers a competitive interest rate, with interest earned daily and paid monthly
- No minimum balance requirement and instant access to funds
- Learn more
BMO® MasterCard®* for Business
A range of credit cards to suit every business – offering valuable rewards, such as AIR MILES®™ reward miles and CashBack®, and a cost-saving low-interest, no-fee option.1
- Control and manage everyday business expenses, streamline business purchasing and reduce paperwork
- Our online Help Me Choose tool can help you select the card that's right for your business
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. Charges may apply. Available only to Canadian residents.
Registered Retirement Savings Plans (RSPs)
A savings plan "registered" with the federal Canadian Revenue Agency (CRA) that lets you save money by earning income on tax-deferred basis until you retire. Your RSP can hold many types of investments.
- BMO® RSP Premium Rate Savings Account
- BMO Guaranteed Investment Certificates (GICs)
- BMO Mutual Funds
- Self-Directed RSP
- Learn more
BMO® Small Business Installment Loan
A convenient way to access the financing you need with control over interest rates and amortization period.1
- Flexibility to choose either a fixed-interest-rate or variable-rate option
- One simple no-fee application for credit needs up to $250,000
- Creditor Life and Disability Insurance from Sun Life available.
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Creditor Insurance
Why let an accident or an illness destroy your life's work? Creditor Insurance protects you should the unexpected occur by offering life and disability insurance on these Small Business Loan Products:
- Small Business Line of Credit/Homeowner's Line of Credit
- BMO® Small Business Instalment Loan
- Learn more
Online Banking
With 24/7 secure access to your accounts, do your business banking when it suits your schedule.1
- Around-the-clock access to the financial services you need
- Stay up-to-date with 24/7 access to your business accounts
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
U.S. Dollar Bank Accounts
Do business in the U.S. without the hassle of paying foreign exchange rates.
- Offers the flexibility to write cheques, make withdrawals, transfer and deposit and pay bills in U.S. funds
- Choose from the U.S. Dollar Business Current Account or the U.S. Dollar Business Premium Rate Savings Account, depending on your needs
- Learn more
BMO® Tax Payment and Filing Service
By streamlining the payment of most business taxes, this convenient web-based service helps free up time for you to spend on your business.
- Minimizes costs, time and errors associated with manual payment processing
- Reduces the risk of late payments and associated charges
- Learn more
Investment, Succession and Financial Planning Advice
Backed by a team of legal, succession planning and estate-planning professionals, your BMO® investment advisors or financial planner can help you develop a comprehensive plan to meet your personal financial needs and those of your business now and for the future. Learn more.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Everyday Banking for Business Plans
Keep banking costs as low as possible by choosing the BMO® banking plan option that meets your business banking needs.
- Convenient access to your accounts in-branch, by telephone or online
- Use the Everyday Banking for Business Plan Calculator to find the plan that's right for your business
- Learn more
Franchise Program
Specialized expertise and strong business and financial support to help keep your franchise running smoothly.
- Customized financing solutions to cover day-to-day operating expenses, inventory demands, capital costs, expansion, or other franchising needs
- Expert advice from our team of National Franchising Service experts
- Extensive online franchising information and resources
Moneris®‡ Solutions
Payment processing solutions to improve cash flow, reduce costs and improve customer service.1
- More payment options for your customers encourages sales
- Convenient access to card payment funds the next business day
- Learn more
1 Services referred to herein are provided by Moneris Solutions Corporation. Moneris Solutions Corporation is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact Moneris Solutions Corporation for more details.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Term Financing Solutions
A suite of fixed-rate and variable-rate loans designed to provide the financing you need to help your business continue to grow.
- There are many loan types to choose from, including: Instalment Loan Plan (ILP), BMO Fixed-Rate Term Loan, BMO Variable-Rate Term Loan1
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
ADP®† pay@work for Small Business
A feature-rich, web-based solution that allows you to manage your payroll anytime, from anywhere.1
- Produce fast, accurate payrolls where and when it's convenient for you
- Control technology costs – no IT costs to implement or maintain
- Streamline data management and retrieve reports instantly
- Learn more
1 Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact ADP Canada for more details.
Registered Retirement Savings Plans (RSPs)
A savings plan "registered" with the federal Canadian Revenue Agency (CRA) that lets you save money by earning income on tax-deferred basis until you retire. Your RSP can hold many types of investments.
- BMO® RSP Premium Rate Savings Account
- BMO Guaranteed Investment Certificates (GICs)
- BMO Mutual Funds
- Self-Directed RSP
- Learn more
BMO® U.S. Dollar MasterCard®* for Business
A convenient way to shop and travel in the U.S. – or buy online from U.S. suppliers.1
- No exchange-rate surprises – U.S. purchases are charged in U.S. dollars
- Double the manufacturer's warranty on business tools like cell phones, laptops and printers
- Learn more
1 Bank of Montreal's usual credit criteria must be met. Charges may apply. Available only to Canadian residents.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Term Investments
Guaranteed Investment Certificates (GICs) and Term Deposits are safe investments that offer you a flexible range of investment options and competitive returns to manage your business's surplus cash. Term investment solutions provide:
- 100% principal safety
- Cashable investments and Non-cashable investments
- Investment terms ranging from 1 day to 10 years
- Learn more
Commercial Line of Credit
This convenient line of credit helps provide the funds you need to cover day-to-day operating expenses.1
- Borrow up to your credit limit without having to reapply each time you need cash
- Creditor Life Insurance coverage from Canada Life available for up to $2,000,000
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Commercial Loan Insurance Plan
The Commercial Loan Insurance Plan offers life and accidental dismemberment and specific loss of use insurance on these Commercial Loan products:
- Canadian Agricultural Loans Act (CALA)
- Fixed-Rate Operating Loan
- Operating Line Of Credit
- Agri ReadiLine® Line of Credit
- Commercial Line of Credit
- Learn more
BMO® MasterCard®* for Business
A range of credit cards to suit every business – offering valuable rewards, such as AIR MILES®™ reward miles and CashBack®, and a cost-saving low-interest, no-fee option.1
- Control and manage everyday business expenses, streamline business purchasing and reduce paperwork
- Our online Help Me Choose tool can help you select the card that's right for your business
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. Charges may apply. Available only to Canadian residents.
Investment, Succession and Financial Planning Advice
Backed by a team of legal, succession planning and estate-planning professionals, your BMO® investment advisors or financial planner can help you develop a comprehensive plan to meet your personal financial needs and those of your business now and for the future. Learn more.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Everyday Banking for Business Plans
Keep banking costs as low as possible by choosing the BMO® banking plan option that meets your business banking needs.
- Convenient access to your accounts in-branch, by telephone or online
- Use the Everyday Banking for Business Plan Calculator to find the plan that's right for your business
- Learn more
Franchise Program
Specialized expertise and strong business and financial support to help keep your franchise running smoothly.
- Customized financing solutions to cover day-to-day operating expenses, inventory demands, capital costs, expansion, or other franchising needs
- Expert advice from our team of National Franchising Service experts
- Extensive online franchising information and resources
BMO® Corporate MasterCard®*
A convenient, flexible commercial credit card solution that helps you consolidate, manage and control business expenses.1
- Streamlines purchasing, consolidates billing and reduces paper processing
- 24/7 access to information via powerful online reporting and card program management tool
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. Charges may apply. Available only to Canadian residents.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Fixed-Rate Operating Loan
Whether you need financing for 30 days or 364, this convenient operating loan can provide the funds you need, while offering protection from short-term interest rate fluctuations1. Creditor Life Insurance coverage from Canada Life is also available. Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Term Investments
Guaranteed Investment Certificates (GICs) and Term Deposits are safe investments that offer you a flexible range of investment options and competitive returns to manage your business's surplus cash. Term investment solutions provide:
- 100% principal safety
- Cashable investments and Non-cashable investments
- Investment terms ranging from 1 day to 10 years
- Learn more
Moneris®‡ Solutions
Payment processing solutions to improve cash flow, reduce costs and improve customer service.1
- More payment options for your customers encourages sales
- Convenient access to card payment funds the next business day
- Learn more
1 Services referred to herein are provided by Moneris Solutions Corporation. Moneris Solutions Corporation is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact Moneris Solutions Corporation for more details.
Registered Retirement Savings Plans (RSPs)
A savings plan "registered" with the federal Canadian Revenue Agency (CRA) that lets you save money by earning income on tax-deferred basis until you retire. Your RSP can hold many types of investments.
- BMO® RSP Premium Rate Savings Account
- BMO Guaranteed Investment Certificates (GICs)
- BMO Mutual Funds
- Self-Directed RSP
- Learn more
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Operating Line Of Credit
If your borrowing needs exceed $50,000, this line of credit – which can be attached to any business deposit account – offers the convenience and easy access of an all-in-one account to finance your working capital needs.1 If your business transactions occasionally extend into the United States, you can borrow in U.S. dollars. Creditor Life Insurance coverage from Canada Life is also available. Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Commercial Loan Insurance Plan
The Commercial Loan Insurance Plan offers life and accidental dismemberment and specific loss of use insurance on these Commercial Loan products:
- Canadian Agricultural Loans Act (CALA)
- Fixed-Rate Operating Loan
- Operating Line Of Credit
- Agri ReadiLine® Line of Credit
- Commercial Line of Credit
- Learn more
Investment, Succession and Financial Planning Advice
Backed by a team of legal, succession planning and estate-planning professionals, your BMO® investment advisors or financial planner can help you develop a comprehensive plan to meet your personal financial needs and those of your business now and for the future. Learn more.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
ADP®† Comprehensive Outsourcing Services (COS) for Small Business
Provides a selection of payroll, human resources and benefits administration services that can act as your payroll or HR department.1
- Benefit from expert guidance, advice and consultation to meet your business policies and payroll requirements
- ADP takes responsibility for ensuring your payroll is accurate, compliant with all government legislation, and delivered to your employees on time, every time
- Count on the expertise of ADP Small Business payroll professionals to address any payroll-related questions posed by you or your employees.
- Learn more
1 Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact ADP Canada for more details.
Everyday Banking for Business Plans
Keep banking costs as low as possible by choosing the BMO® banking plan option that meets your business banking needs.
- Convenient access to your accounts in-branch, by telephone or online
- Use the Everyday Banking for Business Plan Calculator to find the plan that's right for your business
- Learn more
BMO® AgriInvest Account
A savings account that allows you to take advantage of government-matching contributions that can help reduce your business risk or invest for the future.
- Receive a premium interest rate on your account
- Unlimited free transfers to/from an existing BMO account
- Learn more
Agri ReadiLine® Line of Credit
This mortgage-secured line of credit can provide the solution you need to cover your short- or long-term farm financing needs.1
- Access both an operating line of credit and a variety of loans, secured by your farm land
- Creditor Life Insurance coverage from Canada Life available for up to $2,000,000
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Canadian Agricultural Loans Act (CALA)
Whether you need to make land or building improvements, purchase breeding livestock or additional land, make equipment repairs or consolidate debt, this program can help you acquire capital assets for your farm.1
- Qualifying farmers can receive up to 80 % financing (90 % for beginning farmers) to a maximum of $ 500,000 for farmers; and $ 3 million for cooperatives
- Interest rate can be floating or fixed (with the option to fix a floating rate at a later date)
- Creditor Life Insurance available from Canada Life.
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. A federal government administration fee is payable on each loan application.
Registered Retirement Savings Plans (RSPs)
A savings plan "registered" with the federal Canadian Revenue Agency (CRA) that lets you save money by earning income on tax-deferred basis until you retire. Your RSP can hold many types of investments.
- BMO® RSP Premium Rate Savings Account
- BMO Guaranteed Investment Certificates (GICs)
- BMO Mutual Funds
- Self-Directed RSP
- Learn more
BMO® Corporate MasterCard®*
A convenient, flexible commercial credit card solution that helps you consolidate, manage and control business expenses.1
- Streamlines purchasing, consolidates billing and reduces paper processing
- 24/7 access to information via powerful online reporting and card program management tool
- Learn more
1 Subject to meeting Bank of Montreal's usual credit granting criteria. Charges may apply. Available only to Canadian residents.
ADP®† Employer Services
Spend less of your time doing payroll.1
- From initial set-up to direct deposits to year-end filings, our user-friendly Small Business solutions are designed to help you navigate through the details quickly and easily
- That means you can grain greater control, improve productivity and remain compliant in an-ever-changing legal environment
- Count on ADP for secure, affordable and easy-to-use payroll solutions
- Learn more
1 Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group. Conditions and restrictions may apply. Please contact ADP Canada for more details.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Online Banking for Business
Our online platform offers seamless and secure access to a suite of convenient online services that helps you monitor and manage your business's cash flow.
- Determine your cash position, make payments, move funds, manage foreign exchange and identify opportunities for investment
- Around-the-clock access1 to real-time account information, cash management reports and historical data
- Learn more
1 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of Bank of Montreal.
Commercial Loan Insurance Plan
The Commercial Loan Insurance Plan offers life and accidental dismemberment and specific loss of use insurance on these Commercial Loan products:
- Canadian Agricultural Loans Act (CALA)
- Fixed-Rate Operating Loan
- Operating Line Of Credit
- Agri ReadiLine® Line of Credit
- Commercial Line of Credit
- Learn more
Investment, Succession and Financial Planning Advice
Backed by a team of legal, succession planning and estate-planning professionals, your BMO® investment advisors or financial planner can help you develop a comprehensive plan to meet your personal financial needs and those of your business now and for the future. Learn more.
Exclusive Offers
Thanks for completing the BMO SmartSteps® for Business Assessment Tool. To discuss your business planning needs visit your nearest BMO Bank of Montreal® branch to speak to a representative or call 1-877-262-5907.
Looking for more financial advice and information? Visit BMO.com/business.
Check out our range of online business planning resources:
Answer Summary
Business Profile:
In business
Annual business revenue
Number of employees
Industry
Deals in these currencies
Managing my cash:
I am using a payment provider to accept debit and credit cards.
Late customer payments can leave me short on cash.
I struggle with cash flow for day-to-day operations or when pursuing new business opportunities.
I prefer to pay bills online.
Managing daily operations:
I prepare my own business taxes.
I can check my net cash position at any time.
I use my personal credit card for business.
I find retaining and rewarding staff a challenge.
Financing and investing:
I feel the cash generated by my business is being used effectively.
There are big fluctuations in my business cash flow.
I feel prepared for unexpected costly events.
Beyond my business:
My business is the primary source of income for my family.
My business is also my retirement plan.
I have a plan in place for exiting the business.
I feel prepared for retirement.
Insurance is part of my financial plan.
® Registered trade-mark of Bank of Montreal
®* Bank of Montreal is a licensed user of the registered trademark and design owned by MasterCard International Inc., the Interac trademark of Interac Inc., and the Cirrus trademark of Cirrus System Inc.
®™ Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Bank of Montreal.
®† ADP is a registered trade-mark of ADP, Inc. Bank of Montreal is an authorized user of the trade-mark.
† Services referred to herein are provided by ADP Canada. ADP Canada is not a member of BMO Financial Group
®‡ Bank of Montreal is an authorized user of the registered trade-marks of Moneris Solutions Corporation.
