Business lending and credit options​


Commercial mortgages

At Vision, we know our communities. Our flexible commercial mortgages are structured to meet your business needs, with local business know-how.


We offer amortization terms up to 15 years with fixed or floating rates on commercial mortgages for:

  • property/building purchase
  • new construction
  • land development
  • leasehold improvement

See the long-term benefits/costs of different payment options.

Fixed rate operating and term loans

Safeguard your business from interest rate fluctuations with a fixed rate loan with practical repayment terms tailored to suit your financial needs. 


We can help with that.

Make an appointment with a Vision lending specialist today.

Compare your loan options.

Operating and business equipment lines of credit

Purchase equipment or inventory, improve liquidity, or meet short-term cash requirements with a flexible, easy-to-access revolving line of credit. Borrow just what you need and pay interest on the exact amount you borrow. Repay a small percentage monthly, or more if you prefer – the flexibility is yours.


Benefits include:

  • convenient pre-approved credit
  • direct access from your chequing account via cheque, online banking, telephone transfer, or in a branch
  • revolves on demand and renewable annually

Find out what your loan payment could look like.

Authorized Overdraft account (AOD)

Accounts receivable, accounts payable: In business, there always seems to be more of the latter. That’s when it helps to have a business account that has your back. An Authorized Overdraft (AOD) account does just that: it’s like a line of credit attached to your chequing account, providing a revolving source of credit that you top up with your account deposits.


How an AOD works:

  • It operates like a regular chequing account. You can write cheques, set up direct deposits and automatic payments, etc.
  • When you have a negative balance, you draw on the available AOD credit and pay interest on the amount borrowed while borrowed.
  • The credit is revolving, so when you make a deposit, you can use it again.

Benefits of an AOD:

  • Easy, convenient access to credit
  • No NSF charges or overdraft penalties, provided you’re within your approved overdraft limit
  • Competitive interest rates
  • Revolving credit
  • Higher credit thresholds than a typical overdraft
Contact your local branch for details.

Vision Collabria Business Visa® Credit Cards

A credit card is a smart way to handle everyday business expenses and even significant company purchases. Choose from our Collabria No Fee Cash Back, Low Rate or Visa Infinite business credit cards.


No Fee Cash Back Visa Business Card

Pay no fee and earn cash back for the purchases your business regularly makes. 


Card benefits/details snapshot:

  • Annual fee: None
  • Interest rate (purchases): fixed
  • Zero liability fraud protection
  • Earn Cash Back
  • Mobile device insurance
  • Purchase protection and extended warranty
  • And more!

Low Rate Visa Business Card

Manage costs with a low annual fee, low interest rate business card while streamlining expense reporting to help make budgeting easier.


Card benefits/details snapshot:

  • Annual fee: $25 (additional card: $5)
  • Interest rate (purchases): fixed
  • Interest rate (cash advances): fixed
  • Zero liability fraud protection
  • Purchase protection and extended warranty
  • And more!

Visa Infinite Business Card

Your new Visa Infinite Business Card is your key to earning privileges for your company! Generous benefits and exceptional services make this card the most convenient way to handle your business expenses.


Card benefits/details snapshot:

  • Annual fee: $99 (additional card: $50)
  • Interest rate (purchases): fixed
  • Reward points:
  • Zero liability fraud protection
  • Purchase protection and extended warranty
  • Trip cancellation and interruption insurance
  • Lost or delayed baggage
  • And more!

Talk to a friendly member service specialist at your local branch.

Call 1.855.341.4643
Go online to

Looking for a personal credit card? We’ve got options for those too!

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