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Short-Term Loans and Line of Credit - Canada
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Short-Term Loans and Line of Credit

Short-term financing options to support cash flow needs
National Bank of Canada (NBC)
Last Update: March 3, 2026
Funding available
No Condition
Timeline
  • Open continuously
Location
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.
/100
Opportunity Score
Moderate potential, but conditions must align.

At a glance

Funding available

Financing goals
  • No objectives are currently available
Eligible Funding
  • No Condition
Timeline
  • Open continuously

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

Next steps

1
Determine your project
2
Validate your eligibility

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.

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

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?

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.

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.

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.

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.

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

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

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

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)

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