Financing Solutions

Line of Credit

YNCU’s Revolving Line of Credit is designed to support your daily banking activities, assist with your short-term financing needs, and protect against unexpected expenses. This variable rate credit facility is tied to Prime and is connected directly to your Business Chequing Account.

Key Business Benefits

  • Pay interest only on the actual dollar amounts that are borrowed
  • Credit limits are based on your borrowing needs
  • Access your Line of Credit by writing a cheque against your Business Chequing Account, through Online or Telephone Banking
  • A monthly statement provides cheque imaging and a consolidated view of your account activity for easy record-keeping.

Business Fixed and Variable Rate Term Loans

Designed to help your business purchase fixed assets - such as new or used equipment and commercial vehicles, land, buildings, renovations or leasehold improvements - or to help finance your company's long-term growth.

With YNCU’s Commercial Loans, you can expect innovative solutions, competitive interest rates and flexible repayment terms.

Key Business Benefits

  • Choose either a fixed interest rate or a variable interest rate tied to YNCU’s prime lending rate
  • Flexible repayment terms to offer your business manageable scheduled payments.

Commercial Property Mortgages

YNCU provides commercial mortgage financing to help your business finance the purchase of a new property or expand existing premises, or restructure existing debt.

Our mortgage financing is designed for income-generating properties, multi-residential units, plazas, strip malls, retail and shopping centres, office buildings and most other commercial-use types.

Key Business Benefits

  • We offer competitive interest rates – including variable rates and 1-5 year fixed-rate closed terms
  • Flexible repayment terms to offer your business manageable scheduled payments.

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