Business Financing Options
Discover comprehensive business financing solutions designed to fuel growth and support your entrepreneurial journey with BMO's specialized lending programs.
Equipment Financing Solutions
Transform your business operations with specialized equipment financing that preserves working capital while acquiring essential machinery, technology, and vehicles. Our flexible terms accommodate seasonal businesses and growing enterprises.
- Up to 100% financing available
- Terms from 12 to 84 months
- Fixed and variable rate options
Working Capital Advances
Revenue-Based Funding
Access capital based on your monthly revenue streams with flexible repayment structures that adapt to your cash flow patterns.
Quick Approval
Receive funding decisions within 24-48 hours for qualified applicants, ensuring you can seize time-sensitive opportunities.
Flexible Terms
Customize repayment schedules to match your business cycles with seasonal adjustments and grace periods available.
Commercial Lines of Credit
Maintain financial flexibility with revolving credit lines that provide immediate access to funds when opportunities arise. Perfect for managing cash flow gaps, inventory purchases, and unexpected expenses.
Credit Limits
$25,000 to $2,000,000
Interest Rates
Prime + 1.5% to 4.5%
Access Methods
Online, mobile, checks
Renewal Terms
Annual review process
Expansion Funding Programs
Real Estate Acquisition
Secure commercial properties with competitive rates and flexible down payment options. Specialized programs for owner-occupied buildings and investment properties.
- Down payments from 10%
- Terms up to 25 years
- SBA loan options available
Franchise Financing
Launch your franchise with specialized funding packages that cover initial fees, equipment, and working capital needs. Preferred rates for established franchise systems.
- Multi-unit development loans
- Franchise fee financing
- Expedited approval process
Application Requirements & Process
Required Documentation
- Business tax returns (2 years)
- Personal financial statements
- Bank statements (6 months)
- Business plan and projections
- Articles of incorporation
Approval Timeline
Industry-Specific Programs
Healthcare & Medical
Specialized financing for medical equipment, practice acquisitions, and healthcare facility expansions with industry-specific terms.
Transportation & Logistics
Fleet financing, commercial vehicle loans, and working capital solutions tailored for transportation businesses.
Restaurant & Hospitality
Kitchen equipment financing, restaurant buildouts, and seasonal working capital for hospitality businesses.
Business Size Considerations
BMO's business financing options accommodate companies at every stage of growth, from startups to established enterprises. Our specialized programs recognize the unique challenges and opportunities faced by different business sizes.
Small Business (Under $5M Revenue)
- SBA loan programs
- Microloans and startup funding
- Personal guarantee options
Mid-Market ($5M-$50M Revenue)
- Asset-based lending
- Acquisition financing
- Multi-location expansion
Ready to Explore Your Financing Options?
Connect with BMO's business financing specialists to discuss your specific needs and discover the right funding solution for your business growth objectives.