Explore our range of financing options

Operating Credit can help to finance your company’s short term credit requirements, such as helping to provide working capital support for accounts receivable and inventory.

How it can work for your business:

The option to choose Canadian and U.S. Dollar Operating Lines
Letters of Credit are also available to help facilitate payments of goods and/or services between businesses involved in domestic or international trade

Finance your company's owner occupied or investment real estate, machinery and equipment, or restructure your debt. Term Loans offer a potential solution for your company’s term credit needs, to assist in start-up, growth, or expansion.

How it can work for your business:

Choose from fixed or floating rate Canadian Dollar and U.S. Dollar Term Loans ¹.
May be used with various government guaranteed programs offered through Export Development Canada Programs and the Canada Small Business Financing Loan (CSBFL)².

Asset-Based Lending is a form of commercial financing where collateral such as accounts receivable and inventory are used as security to provide companies with working capital.

Solutions that can work for your business:

Revolving lines of credit secured by accounts receivables, inventory, machinery and equipment, real estate and certain other property
Equipment lines of credit and term loans
Letters of credit
Owner-occupied commercial real estate mortgages

Contact us now

Discover how asset-based lending can benefit your business

Scott Cuddy

Director,
Asset-Based Lending
(Prairies and Pacific)

(416) 415-9800

scott.cuddy@td.com
Dave D'Cruz

Director,
Asset-Based Lending (Ontario & Atlantic)

(416) 627-6711

david.dcruz@td.com
Mohamed Bencharef

Director,
Asset-Based Lending (Quebec)

(514) 335-4510

mohamed.bencharef@td.com
Ron Gordon

Director,
Asset-Based Lending

(Quebec)

(514) 289-1630

ron.gordon@td.com

Discover how TD Commercial Banking expertise can help in your particular industry.

TD goes deep in a broad range of sectors:

From personal banking to helping Indigenous governments and businesses with complex commercial and wealth management advice, we offer a range of solutions.

Explore now

Export Development Canada (EDC) assists Canadian companies pursuing international business opportunities by providing insurance, guarantees, and financing that complement business banking relationships with lenders such as TD.

EDC provides innovative financing and risk management solutions that allow lenders, such as TD, to provide businesses with additional access to credit ³:

Export Guarantee Program (EGP)

EGP helps businesses access additional credit by providing lenders, such as TD, with guarantees for financing related to export-related activities, including work-in-progress and foreign inventory, operating lines of credit and foreign investments.
Account Performance Security Guarantee (APSG)

APSG is a working capital solution for exporters who must offer bonds and Letters of Credit to customers and/or foreign suppliers by assisting in providing security to TD.
Accounts Receivable Insurance (ARI)

ARI provides businesses with protection from losses due to non-payment by foreign buyers, customer bankruptcy, refusal to accept goods, political unrest, and in some cases, contract cancellation.
Foreign Exchange Facility Guarantee (FXG)

FXG helps to minimize the need for businesses to provide security such as cash collateral, current assets or personal guarantees to lenders, such as TD, when establishing foreign exchange facilities.
Learn more about Export development Canada (EDC)

We can help you explore your options in the capital markets and assist you in developing a financial plan that meets the needs of your company.

How it can work for your business:

Private placements of debt or equity
Mergers and acquisitions, management buyouts and/or succession planning, and sale of a business
Public equity

Our dedicated risk management specialists customize solutions to reduce risk and advise on market strategy and execution of swaps, options and structured solutions.

How it can work for your business:

Swaps: Convert your company’s floating rate debt into an instrument that is effectively a fixed rate debt to protect against rising interest rates
Interest Rate Caps: Protect your company against rising interest rates by capping the interest rate on your floating rate loan
Interest Rate Collars: Limit your interest rate risk within a known range

We can help you maintain your competitive edge by offering quick implementation on a suite of equipment leasing and financing products tailored to your business needs – whatever your industry.

How it can work for your business:

Improve your cash flow
Finance equipment to modernize your capital assets
Enhance the value of your business

Financing options:

Private placements of debt or equity
Mergers and acquisitions, management buyouts and/or succession planning, and sale of a business
Public equity

Did you know?

“55% of Canadian CEOs are actively engaged with suppliers on joint ventures, strategic alliances and / or
informal collaborations.” – PWC 2015 Canadian CEO Survey

Need some help? Contact us.

Get in touch with a Relationship Manager

Discuss your unique business needs with a TD Relationship Manager.

Find a Banking Center

Commercial Loan
& Financing Services

Explore our range of financing options

How it can work for your business:

How it can work for your business:

Solutions that can work for your business:

Contact us now

Scott Cuddy

Dave D'Cruz

Mohamed Bencharef

Ron Gordon

TD goes deep in a broad range of sectors:

Export Guarantee Program (EGP)

Account Performance Security Guarantee (APSG)

Accounts Receivable Insurance (ARI)

Foreign Exchange Facility Guarantee (FXG)

How it can work for your business:

How it can work for your business:

How it can work for your business:

Financing options:

Did you know?

Need some help? Contact us.

Get in touch with a Relationship Manager

See you in a bit

Commercial Loan & Financing Services

Explore our range of financing options

Operating Credit

Term Loans

Asset-Based Lending

Scott Cuddy

Dave D'Cruz

Mohamed Bencharef

Ron Gordon

Specialty Financing

Export Development (EDC)

Export Guarantee Program (EGP)

Account Performance Security Guarantee (APSG)

Accounts Receivable Insurance (ARI)

Foreign Exchange Facility Guarantee (FXG)

Capital Markets

Financial Risk

Equipment Financing

Did you know?

Need some help? Contact us.

Get in touch with a Relationship Manager

Commercial Loan
& Financing Services