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.
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
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).