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Business & Ag Mortgages

  1. BORROW
  2. Business & Ag Mortgages

If you’re ready for a new commercial building or want to purchase land to expand your ag operation or agribusiness, you need a mortgage that works as hard for your money as you do. We have a line-up of commercial mortgages and loan insurance that can be tailored to your unique needs. Our business mortgages also pays you back through our ProfitShares program.

Simplicity Business Mortgage

Every penny you save benefits your bottom line when you’re expanding your business, ag operation or agribusiness. That’s why we’ve designed a no-nonsense commercial mortgage that does what you need it to do, saving you time and money. You’ll need a 25% down payment to qualify for the Simplicity Business Mortgage. When you choose this mortgage option, you also get:

  • terms 1 to 7 years
  • amortization of up to 25 years
  • competitive interest rates
  • fixed or variable rates
  • a 20% annual prepayment option
  • multiple repayment options
  • option to re-advance on the anniversary of your mortgage
  • ProfitShares rewards
Book an appointment
Take steps toward a beneficial business partnership
After years of careful planning, you and a friend decide to start a business. You dream of success, but you're also aware of the realities involved in such a venture. Most new businesses go broke and many partnerships turn sour...
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Synergy Open Business Mortgage

If you’re looking for a mortgage for your business, ag operation or agribusiness and want to pay it off quickly, our Open Business Mortgage could be a great product for you. There are no limits on the maximum amount you can pay outside of your regular payments and you can convert it to any of our other Synergy mortgage products at any time. With our Open Business Mortgage, you also get:

  • competitive rates
  • 1-year fixed rate term
  • 3-year variable rate term
  • automatic transfers or self-service payments
  • multiple repayment options
  • amortization of up to 25 years
  • ProfitShares rewards
Book an appointment
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Growing your business/ag operation?
History has shown growing too fast may have the same effect or may be even worse than not growing at all. Keep reading to discover key factors to consider.
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Synergy Super Business Mortgage

Your business, ag operation or agribusiness depends on cash flow and easy access to funds. Our Super Business Mortgage can help. Once your pre-approved limit is set, you use funds to make non-mortgage purchases at mortgage rates. You can also split your credit limit into five sub-loans, making it easier to manage the funds as you build your business. You also get:

  • terms 1 to 7 years
  • fixed or variable rates on both your mortgage and sub-loans
  • 20% annual prepayment option on a fixed term
  • no prepayment penalty on variable rate loans
  • choice of blended (principal plus interest) or interest-only payment option
  • multiple repayment options
  • ProfitShares rewards
Book an appointment
Unlock Your Business Potential with the Business & Ag Financial Centre Team
Whether you're an experienced business owner or embarking on your entrepreneurial journey, we provide all-encompassing business banking solutions, strategic borrowing choices, investment prospects, and specialized financial insights customized to meet your distinct objectives and requirements.
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Business Construction Mortgage

If you’re a contractor who builds homes on spec, access to funds through each phase of construction is crucial to your success. We’ve designed our Business Construction Mortgage to do this for you. Once inspections have been approved, we advance you a percentage of building funds to ensure you have what you need every step along the way. You also get:

  • terms 1 to 7 years
  • fixed or variable rates on both your mortgage and sub-loans
  • 20% annual prepayment option on a fixed term
  • no prepayment penalty on variable rate loans
  • choice of blended (principal plus interest) or interest-only payment option
  • multiple repayment options
  • ProfitShares rewards
Book an appointment
Blueprint for small business success
Small businesses are crucial to every region’s economy. Often, they are started by people who followed their passion, drafted a plan and went to work - hard.
Starting your own startup isn’t easy, but the rewards are certainly worthwhile if you can succeed...
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Business and/or Ag Mortgage APR* Example

*An APR represents the total yearly cost of borrowing money, expressed as a percentage of the principal loan amount.

Business/Ag Mortgage

Amount = $100,000
Annual rate = 7.50% (+1% application fee)
APR 8.02%
Business & Ag Financial Experts

Synergy business and agriculture experts live and work in your community, so they understand the challenges you face in growing your operations and know-how to tailor innovative borrowing solutions to your unique needs.

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Preparing For Your Appointment
For your upcoming appointment, please make sure you have the following information ready:
  • Your most recent financial statements and/or tax returns
  • Current business plans and projections
  • Current list of assets, including the approximate value for each
  • Current list of liabilities, including current balance, payment amount and authorized limit for credit cards or lines of credit, if applicable
  • Pay stubs for the past 3 months
  • A letter from your employer verifying your position and pay or your most recent Notice of Assessment
  • Direct deposit information

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