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Short-Term Loans and Line of Credit

Q: Who is eligible for the Short-Term Loans and Line of Credit program?

To be eligible for the Short-Term Loans and Line of Credit program, you must: Business applicant seeking short-term financing. Subject to National Bank of Canada credit approval.

Q: Who can I contact for more information about the Short-Term Loans and Line of Credit?

You can contact National Bank of Canada (NBC) or by phone at 1‑844‑394‑4494.

Q: Where is the Short-Term Loans and Line of Credit available?

The Short-Term Loans and Line of Credit program is available across Canada.

Q: Is the Short-Term Loans and Line of Credit a grant, loan, or tax credit?

Short-Term Loans and Line of Credit is a Loans and Capital investments

Q: Who are the financial supporters of the Short-Term Loans and Line of Credit?

Short-Term Loans and Line of Credit is funded by National Bank of Canada (NBC)

Last Update: March 3, 2026

Canada

Short-term financing options to support cash flow needs

Loans and Capital investments

National Bank of Canada

Overview

National Bank of Canada offers short-term financing solutions—such as an operating line of credit and bridge loan (subject to credit approval)—to help businesses manage cash flow and meet short-term liquidity needs while awaiting receivables or projected inflows (e.g., from a grant, tax credit, or stock issue). The maximum funding amount is not specified; eligible uses include supporting inventory and operating costs, paying suppliers, protecting against insufficient funds, and leveraging accounts receivable/accounts payable through monetization solutions.

At a glance

Funding available

Financing goals

No objectives are currently available

Eligible Funding

No Condition

Timeline

Unspecified

Eligible candidates

Eligible Industries

Finance and insurance

Location

Canada

Legal structures

For-profit business

Annual revenue

All revenue ranges

Organisation size

All organization sizes

Audience

All groups

Activities funded

Management of short-term cash requirements and support for working capital (e.g., inventory, operating costs while waiting for receivables to be cashed).
Bridge loan to cover liquidity needs while waiting for an expected cash inflow (grant, tax credit or stock issue).
Accounts receivable monetization to obtain additional credit and improve working capital.
Accounts payable monetization to obtain longer payment terms and facilitate the negotiation of early payment discounts.
Issuance of a letter of guarantee to secure contractual commitments with a client, supplier or organization.

Eligibility

The applicant must be a business seeking short-term financing solutions (e.g., operating line of credit, bridge loan, overdraft protection, or related cash-flow solutions) from National Bank of Canada.
The requested financing must be submitted for credit approval by National Bank of Canada.
For a bridge loan, the business must be awaiting projected cash inflows (e.g., from a grant, tax credit, or stock issue) to support short-term liquidity needs.

How to apply

Choose a financing solution

Identify the short-term financing product you need (operating line of credit, bridge loan, overdraft limit, or letter of guarantee)
Confirm it aligns with your cash flow and short-term liquidity requirements

Complete the online request

Use the “Apply for financing” online form to request financing
Select the financing application product in the form

Contact the bank if needed

Contact National Bank at 1-844-394-4494 (options 4 and 1), Monday to Friday, 8 am to 6 pm

Additional information

Financing solutions are subject to credit approval by National Bank of Canada.
Some options are available in Canadian or U.S. dollars.
Interest rates may be variable and calculated daily based on the Bank’s Prime Rate.
Loan insurance is available and can be added at any time.

Contacts

1‑844‑394‑4494

Apply to this program

Frequently Asked Questions about the Short-Term Loans and Line of Credit Program

Here are answers to the most common questions about the Short-Term Loans and Line of Credit. This section explains what the program is, how much funding is available, eligibility requirements, application deadlines, and other important details to help you determine if this grant is right for your business.

What is the Short-Term Loans and Line of Credit?

Who is eligible for the Short-Term Loans and Line of Credit program?

What expenses are eligible under Short-Term Loans and Line of Credit?

Management of short-term cash requirements and support for working capital (e.g., inventory, operating costs while waiting for receivables to be cashed). Bridge loan to cover liquidity needs while waiting for an expected cash inflow (grant, tax credit or stock issue). Accounts receivable monetization to obtain additional credit and improve working capital. Accounts payable monetization to obtain longer payment terms and facilitate the negotiation of early payment discounts. Issuance of a letter of guarantee to secure contractual commitments with a client, supplier or organization.