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Short-Term Loans and Line of Credit
Short-term business financing for cash flow needs
Last Update: June 4, 2026
Funding available
Varies by project
Timeline
- Open continuously
Location
Canada
Overview
Short-term business financing to help manage cash flow fluctuations and short-term liquidity needs. It includes an operating line of credit, bridge loan, and related cash flow solutions for business growth and day-to-day operations.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Raise awareness or mobilize a population
Eligible Funding
- Varies by project
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
- Managing business cash flow with an operating line of credit.
- Covering temporary liquidity needs with a bridge loan.
- Using receivables and payables monetization to improve working capital.
- Securing payments to suppliers or partners with a letter of guarantee.
Eligibility
Who is eligible?
- Businesses seeking short-term financing.
Eligible expenses
- Inventory expenses and operating costs.
- Equipment or machinery purchases for project start-up.
- Amounts tied to short-term cash flow needs.
How to apply
1
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
2
Complete the online request
- Use the “Apply for financing” online form to request financing
- Select the financing application product in the form
3
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
Contacts
Frequently Asked Questions about the Short-Term Loans and Line of Credit Program
What is the Short-Term Loans and Line of Credit?
Short-term business financing to help manage cash flow fluctuations and short-term liquidity needs. It includes an operating line of credit, bridge loan, and related cash flow solutions for business growth and day-to-day operations.
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 financing needs
Subject to credit approval
Short-term liquidity focus
What expenses are eligible under Short-Term Loans and Line of Credit?
Managing business cash flow with an operating line of credit.
Covering temporary liquidity needs with a bridge loan.
Using receivables and payables monetization to improve working capital.
Securing payments to suppliers or partners with a letter of guarantee.
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)