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Support for your business with flexible financing options

No matter the type or the size of your business, you need money to maintain your operations, purchase assets and fund your growth.

Flexible financing built for your business.

At ACU, we offer tailored lending solutions to help you launch, grow or manage your business with confidence. With local decision-making, expert support from our BFC and CFC teams and a full suite of business services, we’re here to help your business thrive.

Why borrow with ACU

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Local and values-based

As a member-owned, B Corp® organization, we prioritize the well-being of our members and the communities we serve.

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Flexible solutions

From loans to lines of credit and overdraft protection we offer borrowing products designed to adapt to your business goals, both big and small.

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Guidance you can trust

Our advisors are here to help you borrow responsibly, with honest advice and a focus on your long-term financial well-being.

We can help, with flexible small, medium and large business financing and borrowing options:

Business loans

Fast, simple, flexible and affordable.

Whether you're starting a new business, expanding, renovating or funding a large purchase, an ACU business loan can provide you with the cash you need and a defined payment plan that works with your cash flow and budget.

  • Choose from competitive fixed and variable interest rates 
  • Repayment terms up to 15 years, based on the life of the asset
  • Quick and easy access to your accounts 24-7
  • Variable rate business loans are open and repayable at any time without penalty

Business lines of credit

Meet your short-term operating needs with an ACU business line of credit.

  • Variable interest rate based on prime rate + premium, depending on risk
  • Pay interest only on what you use
  • Exact dollar borrowing keeps interest expenses down
  • Term: revolving credit

Canadian Small Business Financing Program (CSBF)

This government program helps start-ups, existing businesses and not-for-profit businesses acquire financing for equipment, leasehold improvements, intangible assets, working capital and property.

To learn more about this program, contact our CSBF Specialists at the Community Financial Centre.

Business loans

Fast, simple, flexible and affordable.
Whether you're starting a new business, expanding, renovating or funding a large purchase, an ACU business loan can provide you with the cash you need and a defined payment plan that works with your cash flow and budget.​

  • Competitive rates: Choose from fixed or variable interest rates that suit your financial planning.
  • Flexible terms: Repayment periods up to 15 years, based on the life of the asset.
  • Prepayment options: Variable rate business loans are open and repayable at any time without penalty.
  • Accessible funds: Manage your loan through our online banking platform, available 24/7.​

Business lines of credit

Manage cash flow with confidence
A business line of credit offers the flexibility to cover short-term expenses, manage seasonal fluctuations or seize unexpected opportunities.​​

  • Pay-as-you-go: Interest is charged only on the amount you use.
  • Revolving credit: Access funds up to your credit limit, repay, and reuse as needed.
  • Variable rates: Rates are based on the prime rate plus a premium, depending on risk.
  • Convenient access: Draw funds through online banking, cheques, or at any ACU branch.​
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Canadian Small Business Financing Program (CSBF)

This government program helps start-ups, existing business and not-for-profit businesses acquire financing for equipment, leasehold improvements, intangible assets, working capital and property. 

Want to learn more?

Connect with our CSBF Specialists at the CFC to explore how this program can help finance your next step.

Learn more about our Community Financial Centre
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Ready to get started?

Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future, or simply exploring your options. Let’s talk about what’s right for you.

Book your appointment