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Royal Business Operating Line of Credit
Flexible revolving credit to manage business cash flow needs
Last Update: March 3, 2026
Funding available
$ 10,000
Timeline
- Open continuously
Location
Canada
Overview
Royal Business Operating Line of Credit offers business financing starting at $10,000 to help support new business growth, cover operating cash flow gaps, and simplify the management of business loans and operating accounts. Eligible activities include accessing funds through ATMs, Online Banking for Business, the RBC Mobile App, or in-branch, with optional automatic fund transfers to cover shortfalls in your RBC everyday operating account.
/100
Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- No objectives are currently available
Eligible Funding
- Minimum amount : 10,000 $
Timeline
- Open continuously
Eligible candidates
Eligible Industries
- Finance and insurance
Location
- Canada
Legal structures
- For-profit business
- Sole proprietorship
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
- Funding new business growth initiatives.
- Bridging gaps in day-to-day operating cash flow.
- Simplifying the management of business loans and operating accounts.
Official resources
How to apply
1
Confirm your financing needs
- Confirm you want a Royal Business OperatingLine of Credit to support business growth, cover operating cash flow gaps, or simplify management of business loans and operating accounts
- Decide whether you have less than 10 employees or more than 10 employees (as prompted in the “Ready to Get Started?” section)
2
Select your OperatingLine option
- Choose between OperatingLine PLUS (two-way revolving transfers with your RBC everyday operating account) or OperatingLine (one-way transfers to your operating account)
- Review how the automatic transfer works through a Revolving Funds Arrangement (overdraft coverage up to the credit limit and minimum retained balance)
3
Review financing minimums
- Note that credit lines start at $10,000
- Consider using the RBC business loan calculator to estimate monthly payments and interest costs (estimation only)
4
Contact RBC to get started
- Contact RBC by calling the 24/7 Business Helpline at 1-800-769-2520
- Alternatively, find a branch or contact a business specialist through RBC
Additional information
- Credit lines start at $10,000.
- RBC offers automatic fund transfers that check your business deposit balance each business day and transfer funds to cover shortfalls, then automatically pay down the credit line with available funds in your everyday operating account.
- There are two transfer options: OperatingLine PLUS (two-way revolving transfers) and OperatingLine (one-way transfers from the line of credit to the operating account).
- A Business Loan Insurance Plan is available for the Royal Business Operating Line of Credit (certain conditions may apply).
Contacts
Frequently Asked Questions about the Royal Business Operating Line of Credit Program
What is the Royal Business Operating Line of Credit?
Royal Business Operating Line of Credit offers business financing starting at $10,000 to help support new business growth, cover operating cash flow gaps, and simplify the management of business loans and operating accounts. Eligible activities include accessing funds through ATMs, Online Banking for Business, the RBC Mobile App, or in-branch, with optional automatic fund transfers to cover shortfalls in your RBC everyday operating account.
What expenses are eligible under Royal Business Operating Line of Credit?
Funding new business growth initiatives.
Bridging gaps in day-to-day operating cash flow.
Simplifying the management of business loans and operating accounts.
Who can I contact for more information about the Royal Business Operating Line of Credit?
You can contact Royal Bank of Canada (RBC) or by phone at 1-800-769-2520.
Where is the Royal Business Operating Line of Credit available?
The Royal Business Operating Line of Credit program is available across Canada.
Is the Royal Business Operating Line of Credit a grant, loan, or tax credit?
Royal Business Operating Line of Credit is a Loans and Capital investments
Who are the financial supporters of the Royal Business Operating Line of Credit?
Royal Business Operating Line of Credit is funded by Royal Bank of Canada (RBC)