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We’ve updated our website! You’ll notice a fresh new look as we’ve made improvements to enhance your experience. As we complete the transition, some areas may continue to settle in, but everything you’re looking for is still here.

Business & Agricultural Loans

Access the financing you need to invest in your operation, purchase equipment, manage cash flow, or take advantage of new opportunities. Mainstreet loans are designed to support businesses at every stage, from start-up ventures to established operations looking to grow. Our advisors work with you to structure financing that fits your goals and your business plan.

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Commercial & agricultural loans

Support your operation with financing designed for established businesses and agricultural operations. Whether you’re investing in new equipment, expanding production, or refinancing existing debt, our Commercial & Agricultural Loans help provide the capital needed to move your business forward.

May support:

  • Equipment and machinery purchases

  • Operational improvements or upgrades

  • Business expansion or growth initiatives

  • Refinancing existing loans

  • Working capital needs

Talk to an advisor (external link)
coppa inc. family outside of business building & delivery truck.

Small business loans

Our small business loans provide flexible funding solutions designed for businesses that are building momentum and looking to take the next step.

Our advisors work with you to structure quick-turnaround financing that aligns with your goals and supports your continued growth.

Key details:

  • Loans up to $100,000

  • Approval based on personal factors on the principals of the business

  • Designed to support for-profit businesses in most industries

May support:

  • Equipment or technology upgrades

  • Business expansion or improvements

  • Inventory purchases

  • Working capital needs

Talk to an advisor (external link)
Man standing behind the bar at Sideways Grill restaurant.

Start-up loans

Turn your business idea into reality with financing designed specifically for new entrepreneurs. Our Start-Up Loans help provide early-stage funding so you can purchase equipment, cover initial expenses, and build a strong foundation for your business.

With a simplified application process and guidance from our advisors, we help make accessing financing more approachable for new business owners.

Key details:

  • Loans up to $50,000

  • Approval based on personal factors on the principals of the business

  • Designed to support for-profit businesses in most industries

May support:

  • Equipment and start-up purchases

  • Inventory and supplies

  • Business launch costs

  • Early-stage working capital

Talk to an advisor (external link)
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Benefits of a Mainstreet loan

Flexible financing

Loan structures that support your business needs with competitive rates, flexible repayment options, and the ability to make additional payments when it works for you.

Local expertise

Our advisors understand the realities of operating a business or farm in Southwestern Ontario and provide financing solutions built for the local economy.

Advice-focused

You’ll work with a dedicated advisor who takes the time to understand your business plan and help structure financing around your long-term goals.

Collaborative support

Our advisors work alongside your professional network, including accountants, lawyers, and community partners, to support business planning, funding opportunities, and long-term growth.

A business loan is well suited for owners who need financing for a specific purpose, such as purchasing equipment, expanding operations, or making a major investment. It’s an ideal option for businesses that want predictable payments and defined term.

Choosing the right financing tool

Mainstreet offers business loans and lines of credit. Each offers unique benefits and our advisors can help you decide which is the best for your business.

Talk to an advisor (external link)

Loan

Line of Credit

Purpose

Financing a one-time investment, such as equipment, or expansion

Managing ongoing cash flow, covering short-term or unexpected expenses

Interest charged on

Full loan amount

Amount used

Repayment structure

Scheduled payments over a set term

Variable payments based on the amount borrowed

Required payments

Principal and interest payments

Interest-only

Collateral

Secured or unsecured

Secured or unsecured

Find out what your loan payments could look like

Our loans calculator helps you estimate your loan payments, interest cost, and time to repay.

Try our loan calculator (external link)

Our Commercial, Agricultural & Business Account Managers

Explore more business solutions

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Business solutions →

Apply for a business loan today

Get personalized guidance from a Mainstreet advisor.

Talk to an advisor (external link)