​Grow, scale, and save.

Grow, scale, and save.                         

Business financing and investment advice you can bank on.

Business can be unpredictable, but your investments don’t have to be. With professional advice, business insurance, and commercial financing options, we can help you plan for success.

What can we help you with?

Business Financing

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Investment Advice

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Commercial Lending

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Our 4-step approach:

  • Personalize. We’ll sit down and talk about where you want to go, so we can help get you there.
  • Plan. Together, we create a plan that considers all the various aspects of your business.
  • Prosper. With a curated mix of investment products and services, we put your plan into action. 
  • Perfect. When new opportunities arise, we’ll revise your plan to help you take advantage.

​​ Business loans

Commercial financing built on choice and tailored to your unique business needs. With options for terms, rates, securement, and repayment, you’ll get exactly what you need.

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Questions? We’d be happy to help.

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  • Construction financing
  • Commercial loans and mortgages
  • Operating lines of credit

​​ Lines of credit

Do you have a high-interest credit card? Save money with a flexible business line of credit attached to your chequing account. You’ll spend less money on interest, and have more money on hand.

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  • Low annual fee
  • Funds are accessible at all times (up to the credit limit), through:
    • Cheques
    • ATMs
    • Pre-authorized debits
  • Funds can be used and paid back at your leisure
  • Interest rates are lower than most credit cards
  • Interest is only charged on the money you use, while you use it
  • Transactions appear on the All-in-One statement
  • Overdraft protection saves you from incurring extra service fees
  • Life and Disability Insurances are available (and recommended)

​​ Letters of credit

A letter of credit is a guarantee to third parties that you have enough funds to cover a purchase. Use it to build strong business relationships, give your suppliers peace of mind, secure approval from a creditor, and provide monetary support for payments and agreements.

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  • Liquidity. You’re never forced to make upfront payments.
  • Expansion. Work with vendors you couldn’t have otherwise.
  • Customization. Create a letter of credit for a specific purpose or time period.

 Canada Emergency Business Account

COVID-19 is affecting our community. We want to help. We’re now accepting applications for the Federal Government’s Canada Emergency Business Account (CEBA), a government-guaranteed, interest-free loan of up to $40,000 that covers operating costs for small businesses.

The Canadian Government announced  that the application deadline for the  Canada Emergency Business Account (CEBA) has been extended until December 31, 2020.

The Canadian Government has confirmed the Canada Emergency Business Account (CEBA) program will no longer accept applications after December 31, 2020. 

Get started ​​
Call 778-883-5727


  • Your loan will remain interest-free until Dec. 31, 2022 and requires no monthly principal payments until December 31, 2022
  • Principal repayments can be made at any time
  • If 75% of the loan is repaid by Dec. 31, 2022, the remaining 25 percent may be forgiven (up to $10,000)
  • If the loan isn’t repaid by Dec. 31, 2022, extend to Dec. 31, 2025 at 5% interest


You can submit an application to Community Savings if you:

  • Were an existing, active business member on March 1, 2020;
  • Are an existing Canadian borrowing or non-borrowing member;
  • Have a registered business chequing/operating account with Community Savings, which is your primary financial institution. This account can not have been in arrears under any existing credit facilities, if applicable, with Community Savings for 90 days or more as at March 1, 2020;
  • Have a Federal tax registration;
  • Have a Canada Revenue Agency Business Number (BN, 15 digits), as reported at the top of your 2019 T4 Summary of Remuneration Paid (T4SUM);
  • Have a total employment income paid in the 2019 calendar year between $20,000 and $1,500,000, as reported in Box 14 of your 2019 T4SUM;
  • Have not previously used CEBA in connection with any credit facility established with Community Savings or any other financial institution, and you are not applying for support under such program at any other financial institution; and
  • Have the authority to attest on behalf of that organization, and bind the organization to the terms of the CEBA loan agreement.

July 27, 2020 Update:

The Canadian government has expanded the Canada Emergency Business Account program to include businesses with payrolls lower than $20,000 that can show 2020 non-deferrable expenses between $40,000 and $1.5 million

The program includes unions, charitable, religious or fraternal organizations, or clients owned by such an organization if it is a T2 or T3010 corporation that generates a portion of its revenue from the sales of goods or services;

How to Apply

To submit an application or learn more about CEBA, contact us. We offer online appointments to keep banking socially-distanced and safe.

By Phone:

Tony Sandhu   604-341-3654

Kevin Tan          778-883-5727

Frequently asked questions

​What can the CEBA funds be used for?

Per the Government of Canada, CEBA funds can only be used to pay non-deferrable operating expenses including, without limitation:

  • Payroll
  • Rent
  • Utilities
  • Insurance
  • Property tax; and
  • Regularly scheduled debt service. 

CEBA can’t be used to fund any payments or expenses, such as prepayment/refinancing of existing indebtedness, payments of dividends, distributions and increases in management compensation.

​Can I enroll for CEBA at more than one financial institution?

No. Business members can only apply at their primary financial institution, where they have an existing business chequing account. Applying at more than one financial institution could make you ineligible.

​What if there are multiple owners of the business?

Whoever is applying must have the authority to attest on behalf of the organization, and to sign the binding agreement to the terms of the CEBA loan.

Because we can’t accept multiple signatures at this time, we recommend that your organization prepares and approves a resolution that allows the person applying for the loan to have the special authorization they need.

​What if I own multiple businesses?

You can apply for each business, as long as each one meets the eligibility requirements and has an active business operating account with us.

​What if I haven’t submitted/received a T4 summary?

You are not eligible for this program without a 2019 T4 summary. If you’re waiting for your T4 or have lost it, contact the Canada Revenue Agency to have it reissued.

​What if I have accounts at multiple financial institutions. How do I determine where to apply?

You should submit your application at your primary financial institution. This generally means the account you conduct most of your day-to-day banking from, including employee payroll, supplier payments and collection of receivables.

​What if I don’t have a business account?

Unfortunately, you are not eligible without a business account. If you have an operating business account at another financial institution, please contact them.

​Am I eligible to apply if I run a sole proprietor business?

Yes, as long as you’re a business client with employee payrolls between $20,000 and $1,500,000* in 2019.

​Are there any conditions for the loan?

Yes, terms and conditions apply. You are required to meet all eligibility criteria. When you apply, you’ll need to acknowledge that the funds will only be used to pay for non-deferrable operating expenses and make an attestation that you meet these criteria, which is subject to verification and audit. All applications are subject to approval and funding availability through the CEBA program.

​Getting started is easy.

Online appointments put your business on the path to financial security as soon as possible.

​Getting started is easy

Online appointments put your business on the path to financial security as soon as possible.