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Mortgages & Loans

We offer short term and long term financing options for small, medium and large businesses and farms in a variety of industries.

Financing for operations and properties

  • Commercial real estate
  • Multi-unit residential
  • Life leases
  • Farm operations ranging from grain farms, livestock, dairy and agri-business

Financing for day-to-day operations and equipment acquisitions

  • Lines of credit
  • Term loans
  • Leases
  • Letters of credit

Approvals of all mortgages and loans are made locally. Caisse Financial Group partners with federal and provincial governments in a variety of loan guarantee programs that assist qualifying businesses with start-up or expansion costs.

Questions?
Contact a Business & Agriculture Account Manager.

Click here for FAQ

Mortgage

We offer competitive rates for the purchase or refinancing of your business and agricultural real estate.

Features

  • Fixed and variable rate options
  • Flexible terms and conditions
  • Customized options for business project financing
  • Monthly, quarterly, semi-annual and annual payment options
  • Prepayment option up to a maximum of 20% of the original amount of the mortgage every year
  • Mortgage payments can be doubled up any time without penalty

Insurance
We offer loan insurance on all our business and agriculture mortgages to help protect your business and pay your debt should a disability or death occur.

Questions?
Contact a Business & Agriculture Account Manager.

 

Line of Credit

A line of credit helps to manage your day-to-day business expenses and cash flow.

A pre-authorized borrowing limit is attached to your Business and Agriculture Chequing Account.

You only pay interest when you use it and you repay the amount borrowed by making a deposit to your chequing account. The unutilized borrowing limit remains available to be used at any time.

Features

  • Borrow funds by withdrawing from your chequing account.
  • Repay the amount borrowed by making a deposit to your chequing account.
  • Pay interest only when you use your Line of Credit.
  • Assets generally accepted as collateral include accounts receivable, inventories, equipment and real estate.

Insurance
We offer loan insurance on all our business and agriculture lines of credit, loans and mortgages to help protect your business and pay your debt should a disability or death occur.

Questions?
Contact a Business & Agriculture Account Manager.

Loan

We offer business and farm loans at competitive rates for the purchase of new or used capital assets.

Repayment schedules are tailored to fit your circumstances.

Features

  • Competitive fixed and variable interest rates
  • Flexible loan payment plan
  • Assets generally accepted as collateral include accounts receivable, inventories, equipment and real estate.

Insurance
We offer loan insurance on all our business and agriculture lines of credit, loans and mortgages to help protect your business and pay your debt should a disability or death occur.

Questions?
Contact a Business & Agriculture Account Manager.

Lease

We offer leasing options for your capital purchases.

Leases are available for, but not limited to:

  • Grain bins, fertilizer bins and agricultural equipment
  • Heavy machinery and equipment
  • Smaller machinery and equipment
  • Computer and networking equipment
  • Medical and diagnostic equipment

Questions?
Contact a Business & Agriculture Account Manager.

Letter of Credit

Letters of credit are commonly used for land development projects and to guarantee the payment of financial obligations.

We can provide your business with a customized letter of credit guaranteeing the specific conditions of your contractual obligations.

Questions?
Contact a Business & Agriculture Account Manager.