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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.
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
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.
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)