Business lending and credit options
Commercial mortgage
At Vision, we know our communities. Our flexible commercial mortgages are available for:
- new construction
- land development
- leasehold improvement
Fixed rate operating and term loans
Fixed rate loans with repayment terms tailored to your business.
Operating and equipment lines of credit
Purchase equipment or inventory, improve liquidity, or meet short-term cash requirements.
- convenient pre-approved credit
- direct access from your chequing account via cheque, online banking, telephone transfer, or in-branch
- revolves on demand and renewable annually
Authorized Overdraft account (AOD)
Bridge business costs like payroll or inventory or cover surprise expenses with an Authorized Overdraft account from Vision. It’s like having a line of credit attached to your business account, so you’re ready for whatever the free market throws at you.
No Fee Cash Back Visa* Business Card
Pay no annual fee and earn cash rewards1 for credit card purchases.
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.
Visa Infinite* Business Card
Build valuable rewards for your business and enjoy exclusive privileges with a credit card that helps you conveniently manage business expenses.
Commercial mortgage
At Vision, we know our communities. Our flexible commercial mortgages are available for:
- new construction
- land development
- leasehold improvement
Fixed rate operating and term loans
Fixed rate loans with repayment terms tailored to your business.
Operating and equipment lines of credit
Purchase equipment or inventory, improve liquidity, or meet short-term cash requirements.
- convenient pre-approved credit
- direct access from your chequing account via cheque, online banking, telephone transfer, or in-branch
- revolves on demand and renewable annually
Authorized Overdraft account (AOD)
Bridge business costs like payroll or inventory or cover surprise expenses with an Authorized Overdraft account from Vision. It’s like having a line of credit attached to your business account, so you’re ready for whatever the free market throws at you.
No Fee Cash Back Visa* Business Card
Pay no annual fee and earn cash rewards1 for credit card purchases.
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.
Visa Infinite* Business Card
Build valuable rewards for your business and enjoy exclusive privileges with a credit card that helps you conveniently manage business expenses.
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 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 back1 for the purchases your business regularly makes.
Card benefits/details snapshot:
- Annual fee: None
- Interest rate (purchases)2: fixed
- Zero liability fraud protection3
- Earn Cash Back1
- Mobile device insurance4
- Purchase protection and extended warranty4
- And more!

Low Rate Visa Business* Card
Manage costs with a low annual fee2, 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)2: fixed
- Interest rate (cash advances)2: fixed
- Zero liability fraud protection3
- Purchase protection and extended warranty4
- 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. Earn 1.5 points on every $1 spent on business purchases5.
Card benefits/details snapshot:
- Annual fee: $130 (additional card: $50)
- Interest rate (purchases)2: fixed
- Reward points: collabriacreditcards.ca/rewards
- Zero liability fraud protection3
- Purchase protection and extended warranty4
- Trip cancellation and interruption insurance6
- Lost or delayed baggage6
- 24/7 Travel Assistance6
- Auto Rental Collision/Loss Damage4
- And more!

Talk to a friendly member service specialist at your local branch.
Call 1.855.341.4643
Go online to collabriacreditcards.ca/visioncreditunion
Looking for a personal credit card? We’ve got options for those too!
†Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_vision-credit-union/benefits/visa-benefits/visa-business-benefits/default.aspx for more details.
1 The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value of redeeming for merchandise and travel may vary.
2 The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement.
3 Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:
1. You have used reasonable care in protecting your card from loss or theft; and
2. You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.
If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.
1. You have used reasonable care in protecting your card from loss or theft; and
2. You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.
If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.
4 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online at collabriacreditcards.ca/insurance. Insurance coverage is subject to change.
5 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card do not qualify for Points. For more information visit collabriacreditcards.ca/rewards.
6 Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. Details of insurance coverage, including number of days of coverage, definitions, benefits, limitations and exclusions are in the Travel Insurance Contract. Please visit collabriacreditcards.ca/insurance for complete details. Insurance coverage is subject to change.
Collabria trademark is Collabria Financial Services’ property.
*Trademark of Visa Int., used under license. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.
Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.