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Royal Business Operating Line of Credit

Q: How much funding can be received?

There is no informations about how much funding can be received.

Q: What is the deadline to apply?

The program is accepting continuous intake

Q: 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

Q: 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)

Q: Who is eligible for the Royal Business Operating Line of Credit program?

Eligibility criteria are not specified.

Q: 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.

Q: Where is the Royal Business Operating Line of Credit available?

The Royal Business Operating Line of Credit program is available across Canada.

Last Update: January 19, 2026

Canada

Flexible revolving credit to manage business cash flow needs

Loans and Capital investments

At a glance

Funding available

Financing goals

No objectives are currently available

Eligible Funding

Minimum amount : 10,000 $

Timeline

Unspecified

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

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.

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.

Eligibility

The applicant must be a business seeking a Royal Business OperatingLine of Credit with a minimum credit line starting at $10,000.
The applicant must have an RBC everyday operating account and a business deposit account linked to the Royal Business OperatingLine for fund transfers.
The financing must be intended for business purposes such as supporting new business growth, covering operating cash flow gaps, or simplifying management of business loans and operating accounts.

How to apply

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)

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)

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)

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

1-800-769-2520

Canada

Apply to this program

Frequently Asked Questions about the Royal Business Operating Line of Credit Program

Here are answers to the most common questions about the Royal Business Operating 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.