Is your business impacted by COVID-19? Let's find solutions.

As a business owner, you can access the financial relief you need via TD Helps. To contact one of our Account Managers, Small Business, use our Find an Account Manager tool to locate an Account Manager near you, and call or email them directly. You have a lot on your mind, and we want to be there for you. Here’s how:

TD Helps - supporting businesses through financial uncertainty

Canada Emergency Business Account (CEBA)

The Government has recently announced changes to the CEBA Program to make it available to businesses with qualifying payrolls or non-deferrable expenses that so far have been unable to apply to the current program due to not operating from a business bank account. More details on these changes and the launch date will be shared soon, including a new business bank account opening process through which qualifying businesses will be able to apply.

Request a $40,000 loan (interest free until December 31, 2022). Up to $10,000 may be eligible for loan forgiveness.

  • CEBA Term Loan Agreement:
    Important terms and conditions of the CEBA loan agreement can be found here, anytime. Please review before you apply.
  • TD Privacy Agreement:
    Please also understand the privacy and disclosure conditions you’ll be required to authorize. Please read carefully before proceeding.

Business Development Canada (BDC) Co-Lending Program

The Co-Lending Program brings the BDC together with TD, to co-lend term loans to Small and Medium businesses to help with operational cash flow requirements. Eligibility requirements include but are not limited to:

  • Differing maximum finance amounts based on business revenues
  • Principal payment deferral options available

Business Development Bank of Canada (BDC) Mid-Market Junior Financing Program

The BDC Mid-Market Junior Financing Program brings the BDC together with TD, to provide term loans, ranging from $12.5 million to $60 million, to medium and larger-size businesses to help with operational cash flow requirements. Eligibility requirements include but are not limited to:

  • Annual revenues of $100 million or more.
  • Businesses incorporated in Canada that generate revenue from the sale of goods or services and have business operations in Canada.

EDC Business Credit Availability Program (BCAP)

Export Development Canada’s Business Credit Availability Program (BCAP) offers eligible mid-sized to large customers with operating credit to help sustain operations impacted by COVID-19.

The EDC BCAP program includes:

  • An operating credit of up to $6.25 million.
  • 80% of the loan guaranteed by the Federal Government through the EDC.


A new vehicle may be more expensive at first, however, there will likely be less maintenance costs and other fixes.


Yes, used vehicles are cheaper, however, the more miles are on the car, the more potential maintenance many be needed on everything from wheels to the engine.


They may look beautiful, but they can come with greater costs. Consider parts being harder to replace and more expensive, fuel cost and higher insurance.

Hybrid and electric

These are great environmental choices and can help with fuel savings. Explore governmental incentives if you're considering one of these models.
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