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Package

Visa Business Freedom Solutions

3-in-1 financing package for small businesses and self-employed workers

Eligibility: Must be a Desjardins memberGo to note 1

Not a member yet? Schedule a call.

Interest rate

Prime rateGo to note 2 + 3.5% to 8%Go to note 3

Cash back

Up to 1% of your purchases with the Visa Business cardGo to note 4

Monthly fee

$17 for the package, including 1 card
$3.50 per additional card

How does the Visa Business Freedom Solutions package work?

The Visa* Business Freedom Solutions financing package offers you 3 different credit limits:

  • A credit limit on a line of credit up to $100,000Go to note 5 for financing your operating expenses

  • A credit limit on a Visa Business card credit card for paying your day-to-day expenses

  • A credit limit on Accord D Business financing of up to $100,000Go to note 5 for your custom financing needs

The line of credit and credit card have the same interest rate, which is set when you apply.

What's included

Visa Business credit card

The Visa Business card is a practical way to pay your business expenses. It helps you monitor and control your spending and it's a quick and flexible financing tool.

  • Up to 1% cash back on purchasesGo to note 4

  • 21 days to pay off your balance without incurring interest, except on cash advances

  • Mobile device insurance, purchase protection and extended warranty on most purchasesGo to note 6    

  • Up to 25% off car rentalsGo to note 7

Learn more about the Visa Business card

Visa Business Freedom Solutions line of creditGo to note 5

The Visa Business Freedom Solutions line of credit is linked to your business's chequing account and provides working capital to help you cover operating expenses. You can pay it off anytime with no prepayment penalties as long as you make your minimum payments. It also comes with overdraft protection, so you don't have to worry about insufficient funds.

If you need more than $100,000 in financing, consider our operating line of credit.

Accord D Business financingGo to note 5

Get a customized financing solution for your business. Use it to finance major business purchases such as new equipment or office furniture.

  • Fast access to financing of up to $100,000Go to note 5

  • Interest rates vary based on term and amount

  • No prepayment penalties if you want to pay it off early

  • Available at any time, even if you don't need to use it right away

Learn more about Accord D Business financing

Additional features and options

  • Optional credit balance insurance to help you pay off your credit card, line of credit or Accord D Business financing if something happens to you (accident or illness).
  • Business Account Management service to manage your Visa Business card account online.
  • Lower transaction fees if you also have a transaction plan.
  • Visa SavingsEdge* program External link.: Sign up for free to automatically turn your business purchases into savings with discounts of up to 25% at participating merchants.Go to note 8
  • Visa Account Updater service to help you avoid declined payments due to expired card information. When you get a new card, this service automatically sends your updated card number and expiration date to merchants you have a pre-authorized payment agreement with. Check with these merchants to see if they offer this service.

Manage your accounts online

Use our online tool AccèsD Affaires to easily manage your business accounts anytime, anywhere.

  • Transfer money between your chequing account and Visa Business Freedom Solutions line of credit
  • Pay bills securely
  • Pay employees and suppliers easily with direct deposit
  • Collect payments directly from your customers' accounts with direct withdrawal
  • Make government remittances
See our online services

Fraud protection

Apply for the Visa Business Freedom Solutions package

Online

If you're already a member, you can apply online.

By phone

If you're not a member yet, call us to apply.

1-888-233-2473  Phone number of Desjardins Business for Canada and the US. This link opens your phone app.

Or we can call you when it's convenient.

Schedule a call

Want to see more cards?

Visa Business Advantage

Card for small and medium-sized businesses
Learn more about Visa Business Advantage card

Visa US Business

Card with no currency conversion fees for transactions in US dollars9
Learn more about Visa US Business card
See all our business credit cards

Useful information

See the Product Summary (PDF, 182 KB) This link will open in a new window.

See the Certificate of Insurance (PDF, 156 KB) This link will open in a new window.

* Trademark of Visa International Service Association and used under licence.
Subject to credit approval by the Fédération des caisses Desjardins du Québec.
Back to note reference Go to note [ 1 ]
Annual prime rate of the Fédération des caisses Desjardins du Québec (Desjardins prime rate).
Back to note reference Go to note [ 2 ]
Subject to credit approval. The Fédération des caisses Desjardins du Québec sets the annual interest rate for the business after analyzing its file.
Back to note reference Go to note [ 3 ]
For each 12-month period following the date the account was opened, when annual company purchases reach $12,000 and up to $500,000 for Visa Business credit cards, a credit equivalent to 1% of these purchases will be deposited in the company account once a year, the day after the anniversary of the account opening. The maximum cash back per period is $4,880. Cash advances, cheques, interest charges, returned goods, administration, enrollment and renewal fees, fees for optional services, all other fees not related to purchases and cash advances by equal installments are excluded. To be eligible for cash back, your card account must be active on the date scheduled for payment of the cash back.
Back to note reference Go to note [ 4 ]
Subject to credit approval by the Fédération des caisses Desjardins du Québec. Credit limit of up to $100,000 for Accord D Business financing or the Business Freedom Solutions Line of Credit, or a combination of the two.
Back to note reference Go to note [ 5 ]
Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant® is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
Back to note reference Go to note [ 6 ]
Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Back to note reference Go to note [ 7 ]
Cashback provided as a statement credit on a future statement. Transaction must be processed through Visa.
Back to note reference Go to note [ 8 ]
Transactions in currencies other than US dollars will be converted into US dollars. The following fee will apply: 2.5% of the transaction amount, after it has been converted into US dollars. For example, if a Canadian dollar transaction is converted into US$100, you would be charged US$2.50. We apply the exchange rate in effect on the transaction date. This rate is set by the credit card payment network.