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Banking for franchises
Whether you’re a franchisor or a franchisee, CIBC Business Banking provides expert advice and customized financial solutions to help you meet your franchise and personal goals.
Introducing the CIBC National Franchise Program
We’re here to help you to grow your business. Get peace of mind with our holistic franchise solutions and expert advice for borrowing up to $1 million.
Gain industry knowledge
With 25 years in providing franchise finance programs in Canada, we’ll share our industry-related knowledge.
Get expert advice
The CIBC National Franchise Sales Team offers dedicated franchise expertise at the local, regional and national level.
Enjoy personalized offers
Benefit from comprehensive advice and services that are tailored to your franchise and personal needs.
CIBC Business Loans
Looking for financial assistance with capital expenditures such as acquisitions, leaseholds and equipment?
Amounts up to
$1 million1
Amortization
7 to 10 years
Interest rates as low as
CIBC Prime† + 1%
Interest-only payments
Up to 12 months
Canada Small Business Financing Loan (CSBFL)
The Canada Small Business Financing Program can help you with starting or expanding a business2.
Amounts up to
$1 million for real estate
$350,000 for leaseholds and equipment
Amortization
7 to 10 years
Interest rates as low as
CIBC Prime† + 3%
Personal guarantee
As low as 25%
CIBC Business Lines of Credit
Find solutions for operating expenses and working capital requirements.
Authorizations starting at
$10,0001
Interest rates as low as
CIBC Prime† + 1%
Monthly administrative fees
From $50 to $1503
CIBC Aventura® Visa* Card for Business Plus Learn about eligible credit cards. Opens a popup.
Any airline, every flight, every seat4 — with points that don’t expire5.
Interest rates
19.99%
for purchases6
22.99%
for cash6
Annual fee
$120
first card7
Each additional card
$50
Maximum of 15 cards per account
CIBC eDeposit™ for cash
Improve your cash flow by electronically depositing cash into your business account on your premises using a Brink’s8 CompuSafe®.
Ease of cash deposits
Choose from a variety of account options to deposit and withdraw cash throughout the day
Secure cash pickup
Enjoy peace of mind with Brink’s secure cash pickup (at least once a week or when the safe capacity is reached)
End-of-day reporting
Benefit from total cash deposit value reporting at the end of each day for your business account
CIBC Unlimited Business Operating Account®
A premium account with unlimited transactions, including Interac e-Transfer® transactions and a monthly fee waiver.
Monthly fee9
$0 or $65
Minimum daily balance10 to avoid monthly fee
$65,000
Transactions included11
Unlimited
(includes Interac e-Transfer transactions12)
Deposit package13
$15,000
in cash
$1,000
in coin
100
cheques
FEATURED ACCOUNT
CIBC Advanced Business Operating Account™
A superior value account with 100 transactions, including Interac e-Transfer® and a monthly fee waiver.
Monthly fee9
$0 or $40
Minimum daily balance10 to avoid monthly fee
$35,000
Transactions included11
100
(includes Interac e-Transfer service12)
Deposit package13
$5,000
in cash
$500
in coin
50
cheques
CIBC Everyday Business Operating Account®
A cost-effective account with the flexibility to reduce your monthly fee. Plus, get 30 transactions, including Interac e-Transfer transactions and a monthly fee waiver.
Monthly fee9
$0 or $25
Minimum daily balance10 to avoid monthly fee
$20,000
Transactions included11
30
(includes Interac e-Transfer service12)
Deposit package13
$3,000
in cash
$300
in coin
25
cheques
CIBC Business Loans
Looking for financial assistance with capital expenditures such as acquisitions, leaseholds and equipment?
Amounts up to
$1 million1
Amortization
7 to 10 years
Interest rates as low as
CIBC Prime† + 1%
Interest-only payments
Up to 12 months
Canada Small Business Financing Loan (CSBFL)
The Canada Small Business Financing Program can help you with starting or expanding a business2.
Amounts up to
$1 million for real estate
$350,000 for leaseholds and equipment
Amortization
7 to 10 years
Interest rates as low as
CIBC Prime† + 3%
Personal guarantee
As low as 25%
CIBC Business Lines of Credit
Find solutions for operating expenses and working capital requirements.
Authorizations starting at
$10,0001
Interest rates as low as
CIBC Prime† + 1%
Monthly administrative fees
From $50 to $1503
CIBC Aventura® Visa* Card for Business Plus Learn about eligible credit cards. Opens a popup.
Any airline, every flight, every seat4 — with points that don’t expire5.
Interest rates
19.99%
for purchases6
22.99%
for cash6
Annual fee
$120
first card7
Each additional card
$50
Maximum of 15 cards per account
CIBC eDeposit™ for cash
Improve your cash flow by electronically depositing cash into your business account on your premises using a Brink’s8 CompuSafe®.
Ease of cash deposits
Choose from a variety of account options to deposit and withdraw cash throughout the day
Secure cash pickup
Enjoy peace of mind with Brink’s secure cash pickup (at least once a week or when the safe capacity is reached)
End-of-day reporting
Benefit from total cash deposit value reporting at the end of each day for your business account
CIBC Unlimited Business Operating Account®
A premium account with unlimited transactions, including Interac e-Transfer® transactions and a monthly fee waiver.
Monthly fee9
$0 or $65
Minimum daily balance10 to avoid monthly fee
$65,000
Transactions included11
Unlimited
(includes Interac e-Transfer transactions12)
Deposit package13
$15,000
in cash
$1,000
in coin
100
cheques
FEATURED ACCOUNT
CIBC Advanced Business Operating Account™
A superior value account with 100 transactions, including Interac e-Transfer® and a monthly fee waiver.
Monthly fee9
$0 or $40
Minimum daily balance10 to avoid monthly fee
$35,000
Transactions included11
100
(includes Interac e-Transfer service12)
Deposit package13
$5,000
in cash
$500
in coin
50
cheques
CIBC Everyday Business Operating Account®
A cost-effective account with the flexibility to reduce your monthly fee. Plus, get 30 transactions, including Interac e-Transfer transactions and a monthly fee waiver.
Monthly fee9
$0 or $25
Minimum daily balance10 to avoid monthly fee
$20,000
Transactions included11
30
(includes Interac e-Transfer service12)
Deposit package13
$3,000
in cash
$300
in coin
25
cheques
Ready to get started?
Additional services
Global Payments
Offer convenience to your customers by providing them with multiple ways to pay by accepting payments across multiple channels to increase sales opportunities14.
Payroll services
Use Dayforce Powerpay Plus® to automate the payroll process so that you can add valuable time back to your day15.
Personal and wealth management for franchise owners
Franchises need more than a one-size-fits-all approach to banking. CIBC brings multiple banking platforms to the franchise systems to ensure expertise and solutions are tailored to your unique needs.
Learn more about Personal and wealth management for franchise owners
For borrowing needs over $1 million
Find out more about franchise financing with CIBC Commercial Banking.
Contact us
Connect with a business banking expert on your schedule or in your community.