Growing Your Business

As your business grows, so do your business needs. At Kootenay Savings, we understand that each business is different, with different needs every step of the way to growing it. That's why we offer a wide range of loans and provide access to investment vehicles to help your business grow and flourish.


Lines of Credit

Whether it's a simple line of credit to meet day-to-day operating requirements or complex financing to fund a major acquisition, we can develop credit solutions to meet your business goals. With a line of credit, your business can borrow funds (up to a preapproved limit), repay the balance, and then borrow again as needed.
Our line of credit provides ready cash, so you can take advantage of unexpected opportunities and meet short-term funding needs to:

  • Cover cash flow needs
  • Purchase inventory
  • Take advantage of seasonal opportunities

 Term Loans

Looking for financing to help generate revenue for your business?  Ask us if you qualify for a term loan.





Kootenay Savings MoneyWorks is a network of dedicated financial professionals who are committed to serving your financial planning needs whether you’re a small business, corporation or not-for-profit. Our relationship with Qtrade Investor and Qtrade Asset Management enables us to provide access to a wide range of financial products, including stocks, bonds, and mutual funds.

Grow your business and benefit from our professional investment management:

  • Work with experienced, knowledgeable investment professionals
  • Manage your investments, risk and liquidity more effectively
  • Develop a personalized investment strategy
  • Choose from thousands of well-known mutual funds 

Term Deposits Expand/Collapse

Term deposits can be an important part of your investment and liquidity management strategy.

Benefits Expand/Collapse

  • Better rates of interest than those offered by regular savings accounts
  • Safe, secure and offer guaranteed returns
  • Variety of term lengths and options
  • Laddering maturity dates helps protect against interest rate fluctuations
  • Automatic renewal
  • Interest transferred to the account of your choice

Easy Term Option Expand/Collapse

  • A convenient monthly payment plan you can use to purchase Rate Climber and other term deposits
  • Starts at $41.67 a month
  • Funding must be completed within first 12 months

Mutual funds and securities related financial planning services are offered through Qtrade Asset Management Inc., Member MFDA. Online brokerage services are offered through Qtrade Investor, a division of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds securities and cash balances are not covered by the Canada Deposit Insurance Corporation, or by any other government deposit insurer that insures deposits in Credit Unions. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.


Drawing on our experience in a broad spectrum of industries, we can guide you to the leasing solution that best meets your business needs. We have the flexibility to develop the right financing for you.

Lease financing provides a sensible alternative to equipment and vehicle purchases. Kootenay Savings provides funding for the leasing of equipment and vehicles to those businesses that have demonstrated sound financial performance.

Equipment leases are structured as a full payout lease. All types of vehicles will be considered.