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Business & Agriculture

Whatever goals and dreams you have for your business, farm or ranch; we are here to help you realize them.

Flexible terms to match the loan purpose and your income stream.

Our complete, full-featured line of small business and agriculture financial services will give you the necessary foundation to manage your finances successfully and achieve the results you want. Available as a Line of Credit, Term Loan, or Mortgage.

Business & Agriculture Mortgages 

Canada Agriculture Loans Act (CALA) Mortgage
The CALA is a federal government-guaranteed loan program designed to provide eligible farmers and farm co-operatives with easier access to funds for improvments and the processing, distribution, and marketing of farm products.  
Purchase options: 
  • Purchase farm real estate, livestock (breeding herd) and farm equipment (including repairs) 
  • Purchase crop storage condominiums 
  • Construct farm buildings 
  • Consolidate certain types of debt 
  • Supplement a farm's energy use with power from renewable sources 
  • Up to 80% of required capital for eligible business assets, therefore a smaller down payment of 20% is required
  • Flexibile repayment options 
  • Maximum term of 15 years 
  • Variable interest rates 
  • Expenditures made within 60 days before the day on which the loan is disbursed are eligible for financing
Conventional Mortgage 
Whether you're purchasing land, expanding your current operation, or looking to refinance, we're got a mortgage product that offers great rates, flexible payments, and room to grow.
  • Borrow up to 75% of the appraised value or purchase price (whichever is less)
  • 1-5 year term options 
  • Up to 25-year amortization 
  • Fixed or variable repayment options 
  • Competitive interest rates 
  • Prepayment flexibility 
  • Optional and affordable life, disability, loss of employment and critical illness insurance coverage to protect your investment
Canada Small Business Financing Program (CSBFP) Mortgage 
The CSBFP is a federal government-backed program designed to make it easier for small businesses to access funding to support their growth and goals. 
  • No maximum borrowing requirment, with the maximum loan amount set at $500,000
  • Up to 90% financing for eligible business-related assets, therefore a smaller down payment of 10% is required
  • Fixed or variable rates 
  • Flexible repayment options 
  • Amortizations of up to 10 years 
  • Expenditures and assets purchased up to 180 days prior to the loan approval date are eligible for financing 

      Meet our Lending Team 
               Left - Right 

                  Julie Brendle, Loans Manager;  Patricia Fink, Loans Officer; Denise Jalbert,                            Loans Officer;  Melanie Locke, Loans Clerk 
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