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

  • 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.


Visa Business Card

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

And still more advantages

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.

  1. Subject to Fédération des caisses Desjardins du Québec credit approval.
  2. Up to $100,000 in Accord D Business financing or the Visa Business Freedom Solutions line of credit, or a combination of the two.
  3. 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.
  4. 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.
  5. Fédération des caisses Desjardins du Québec annual prime rate (the Desjardins prime rate).