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CIBC — Business loans - Canada
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Source verified June 8, 2026

CIBC — Business loans

Financing for long-term business goals with flexible repayment terms
Offered by
Canadian Imperial Bank of Commerce (CIBC)
Official source: cibc.com
Funding available
$ 10,000
Deadline
Open continuously
Opened February 3, 2026
Location
Canada
Who can apply
Small and medium-sized enterprises (SMEs).
See full eligibility

Overview

CIBC Business Loans provide financing starting from $10,000 to help businesses fund long-term goals such as buying equipment, investing in property, or covering other major expenses while maintaining working capital. Eligible activities include financing up to 100% of asset acquisition costs and choosing flexible repayment terms with fixed or variable interest rates, available as secured or unsecured loans.
/100
Opportunity Score
Moderate potential, but conditions must align.

At a glance

Funding available

Financing goals
  • Increase performance through digital transformation
  • Optimize production processes
  • Renovate or expand facilities
Eligible Funding
  • Maximum amount : 10,000 $
  • Minimum amount : 10,000 $
Funds Providers

Eligible candidates

Eligible Industries
  • All industries
Location
  • Canada
Legal structures
  • For-profit business
  • Sole proprietorship
Annual revenue
  • All revenue ranges
Organisation size
  • All organization sizes
Audience
  • Canadians

Next Steps

1
Determine your project
2
Validate your eligibility

Activities funded

  • Purchase of business equipment.
  • Investment in commercial property for business use.
  • Financing of long-term business growth projects.
  • Funding of large business expenses to maintain working capital for day-to-day operations.

Eligibility

Who is eligible?

  • Small and medium-sized enterprises (SMEs).
  • Companies in the healthcare sector.

Eligible expenses

  • Purchase of equipment (asset acquisition costs), potentially up to 100% financed.
  • Investment in property.
  • Other large, long-term business expenses financed through a lump-sum loan.

Selection criteria

  • Verification of the applicant’s information and review of their credit profile against CIBC’s borrowing criteria.

How to apply

Step 1: Contact a CIBC business advisor.
  • Contact CIBC to connect with a business advisor who can guide you through the application process and answer questions.
  • Call the Business Client Advice Centre.
  • Call 1-866-992-7223 for questions about sales and products, or 1-800-465-2422 for questions about everyday banking.
Step 2: Prepare your application documents.
  • Bring the documents required to support your business loan application to your meeting with the business advisor.
  • Review CIBC’s business credit application document checklist for what to bring to your meeting.
Step 3: Submit your business loan application with CIBC.
  • Work with the business advisor to provide your information and complete the application process.
Step 4: Receive a lending decision (verification and review).
  • CIBC verifies your information and reviews your credit profile.
  • If your application meets CIBC’s borrowing criteria, you receive an approval for a specific amount, interest rate, and repayment term.
Step 5: Accept the offer and access funds.
  • Accept the offer and sign the required documents.
  • Use the funds directly from your business bank account once the loan is set up.
  • For most applications, funds may be available in as little as 2 days.

Processing and Agreement

  • CIBC verifies the information provided and reviews your credit profile.
  • If the application meets CIBC’s borrowing criteria, CIBC issues an approval specifying the loan amount, interest rate, and repayment term.
  • After you accept the offer, you sign the required documents.
  • Funds are then made available through your business bank account (for most applications, in as little as 2 days).

Additional information

  • Business loans may be offered with either fixed or variable interest rates.
  • Loans can be secured or unsecured, depending on the application.
  • The loan is available as a lump sum in CAD.
  • For variable-rate loans, lump-sum payments may be made without prepayment charges (as described on the page).

Contacts

1-866-992-7223

Frequently Asked Questions about the CIBC — Business loans Program

What is the CIBC — Business loans?

CIBC Business Loans provide financing starting from $10,000 to help businesses fund long-term goals such as buying equipment, investing in property, or covering other major expenses while maintaining working capital. Eligible activities include financing up to 100% of asset acquisition costs and choosing flexible repayment terms with fixed or variable interest rates, available as secured or unsecured loans.

How much funding can be received?

CIBC — Business loans Funds up to $10,000 of admissible expenses.

Who is eligible for the CIBC — Business loans program?

To be eligible for the CIBC — Business loans program, you must: Positive revenue for 12–24 months Good credit score Detailed business plan

What expenses are eligible under CIBC — Business loans?

Purchase of business equipment. Investment in commercial property for business use. Financing of long-term business growth projects. Funding of large business expenses to maintain working capital for day-to-day operations.

Who can I contact for more information about the CIBC — Business loans?

You can contact Canadian Imperial Bank of Commerce (CIBC) or by phone at 1-866-992-7223.

Where is the CIBC — Business loans available?

The CIBC — Business loans program is available across Canada.

Is the CIBC — Business loans a grant, loan, or tax credit?

CIBC — Business loans is a Loans and Capital investments