St. James ATM Replacement
Our St. James ATM will be unavailable on February 26 and 27 while we upgrade our machine. Please view the full list of alternate ATM locations below. We appreciate your patience.
Locations page
New envelope-less Cambrian ATMs
Our new ATMs no longer require envelopes for cash or cheque deposits. To learn more, click the link below!
New ATMs
Scam Alert
Please be aware that fraudulent callers are posing as Cambrian Credit Union. We have not initiated calls about account or credit card transactions. Please hang up and do not engage with these calls.

Get your Business Line of Credit locally

Use a flexible structure to manage your cash flow with a Business Line of Credit.

Why Cambrian? Our purpose is to save, solve and simplify.

At Cambrian, our purpose is to save you time & money. That is our main goal in everything we do for our members, including helping you with your Business Line of Credit.

Save on interest with a flexible form of financing.

A line of credit has the flexibility of a credit card, with the interest rate of a loan. Your line of credit can help you manage your cash flow and day to day operating expenses.

Once set up, a business line of credit gives you flexibility - you have an authorized limit to draw from, so you can create your own loan when you need it, as per the terms of your Committment Letter. You don't need to apply for a loan every time you need funds - you decide when and how much of the authorized limit you use. And, you only pay interest on the amount you use.

Enjoy peace of mind, knowing that your Business Line of Credit is there when you need it.

How can a Business Line of Credit help?

A Business Line of Credit is always there, giving you the freedom to make your own loan when you need it.

Here are some of the things you can do with your Business Line of Credit:

  • Fill cash flow gaps between paying business expenses and receiving payment for sales
  • Purchasing products or supplies in bulk at a discount

Take advantage of local expertise.

We have extensive experience with lines of credit for Manitoba-based businesses. Our business advisors intimately know the Manitoba market because they live and work here.

Your advisor isn’t just your lender; they’re your trusted partner to help grow your business. Whether this is your first commercial project or you have a long-standing business, you will benefit from Cambrian’s trademark commitment to expert advice, personalized service and attention to detail.

How does applying for a Cambrian Business Line of Credit work?

Step 1:
Book an initial meeting

When applying for a Business Line of Credit, it is important to work with a lender that understands your needs.

The first step of this process is a meeting with a Cambrian Business Advisor to complete your application. Our advisors are available to meet you however is most convenient for you – by phone or video or if you prefer, in-person at your place of business or at our office.

Book a meeting

Step 2:
Discussion paper

Following our initial meeting, you can expect to receive a phone call to review the discussion paper outlining the specific details of your line of credit including amount, rate and term. The discussion paper will also list the conditions and precedents that must be met before Cambrian can fund the line of credit, the reporting requirements and any other relevant information.

The discussion paper will provide you with all the information you need to decide if you want to proceed with our proposed financing.

Step 3:
Due diligence and approval

Once Cambrian has received all the required documentation and reports from your business and third parties, our team will analyze, verify and validate the information before proceeding with the approval of the line of credit.

Once the line of credit is approved, Cambrian will send a Committment Letter for your review and signature, which will outline your approved credit and the terms and conditions of your line of credit.

Step 4:
You receive your line of credit once you’ve met the pre-funding conditions

Upon meeting the pre-funding conditions, you have access to your Business Line of Credit and can use it, as per the draw down conditions outlined in the Committment Letter.

Asked Questions

What are your business lending term lengths?

Your lending term will depend on the security for the loan and your goals, and we match the loan length to the asset life.

Do I qualify for a Business Loan or Line of Credit?

Cambrian will look at a number of factors when reviewing your application, including credit and payment history and business collateral.

By reviewing your credit history, we are looking to ensure you have the cash flow to afford the payments on your loan. At the same time, we’ll look at how much capital you have invested in your business.

Your business collateral, includes, but is not limited to:

  • Security
  • Real estate
  • Cash/cash surrender value of insurance
  • Equipment
  • Accounts receivables and inventory

Should I get a Business Loan or a Line of Credit?

It depends on your business needs. Business Loans are a good option for large one-time expenses, such as equipment purchases or renovations. A line of credit allows you to create your own loan, and is frequently used to manage your cash flow and pay for day-to-day expenses.