Visa Business Freedom Solutions package
Visa Business Freedom Solutions package
A 3-in-1 financing package tailored to your reality
Simplify the management of your finances with 1 card, 1 statement and 1 monthly payment. It's the ideal solution for self-employed workers and small and very small businesses with financing needs under $100,000, looking for a complete financing and day-to-day management package.
The package includes:
3 credit limits
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Visa Business card
Perfect for your business expenses
-
Line of credit1
A line of credit tied to your account to cover your operating expenditures
-
Accord D Business financing2
A second credit limit, available quickly, anytime
AccèsD Affaires
Manage your business finances online, 24/7
- Manage your accounts any time on your smartphone.
- Transfer money between your business chequing account and your Visa Business Freedom Solutions Line of Credit.
- Pay your bills online worry-free and say goodbye to writing cheques.
- Use direct deposit to pay your employees and suppliers.
- Use direct withdrawal to receive payments directly from your customers.
- Pay your government remittances online.
- Get Accord D Business financing.
Features
Visa Business Card
- 1% cash back3 on every purchase with the Business Savings Program
- 21-day grace period to pay your bill without incurring credit charges
- PayWave contactless payment technology
- Merchants automatically receive your updated card information via Visa Account Updater for your recurring transactions
Visa Business Freedom Solutions Line of Credit
- No guarantee needed1
- A separate credit limit of up to $100,000 for operating expenses2
- Complete overdraft transfer protection against shortfalls in your business chequing account
- AccèsD Affaires to transfer funds online from the Visa Business Freedom Solutions line of credit to your Desjardins business chequing account or savings account
- Use of your Business Access Card at any Desjardins ATM to transfer funds from your Visa Business Freedom Solutions line of credit to your Desjardins business chequing account
If you need more than $100,000, check out our operating line of credit.
Accord D Business financing
- Accord D Business Financing at a caisse financing up to $100,0002
- Instant financing based on your business needs
- Fast and easy loan applications : online, by phone, at your caisse or at a Desjardins Business centre
- Flexible terms: pay back your financing anytime and without penalty, online, by cheque, at an ATM or at a caisse
Manage your account
- AccèsD Affaires to manage your account online 24 hours a day
- Business Account Management Service - SME to manage your Visa Desjardins Business account on your own
- Savings on transaction fees if tied into a transaction plan
And still more advantages
- Access to funds at any time
- Flexible payment terms
- Corporate legal assistance service, free of charge
- Online purchase protection with Visa Consumer Authentication Service
- Automatic discounts on purchases with Visa SavingsEdge - External link. This link will open in a new window.®5
- Desjardins Identity Protection
Fees and interest rates
- Annual interest rate: prime rate + 3.5% to 8%6
- Affordable monthly fees: $17 for the package
More information
® All marks designated with ® or TM are the property of their respective owners.
- Subject to Fédération des caisses Desjardins du Québec credit approval.
- Up to $100,000 in Accord D Business financing or the Visa Business Freedom Solutions line of credit, or a combination of the two.
- Business purchases charged to 1 or more Visa Desjardins Business cards that total between $12,000 and $500,000 or $750,000 for the Business Advantage card in a 1-year period, will be eligible for a 1% cash back credit to the Business cardholder's account on the anniversary date of the account opening. Cash advances, Business cheques, Accord D Business Financing transactions made at a Desjardins caisse/branch or at a participating merchant, interest charges, merchandise returns, administrative charges and other purchase fees are not included.
- Discounts provided will appear as credits on future credit card statements 8-10 weeks after purchase date. All terms, conditions and restrictions applicable to the Visa SavingsEdge Program are established by Visa Canada Corporation ("Visa"). Visa, not Desjardins, is responsible for the Program.
- Fédération des caisses Desjardins du Québec annual prime rate (the Desjardins prime rate).