Loan Rates

B2B Bank's Prime Rate¹: 2.45 %
B2B Bank's Alternative Rate²: 5.00 %

B2B Bank Investment Loan Program Rates (effective March 31, 2020)

Loan type Investment loan variable interest rate
Loans up to and including $99,999.99
Investment Loan variable interest rate
Loans $100,000 and above
3:1, 2:1, 1:1 2.95% (Prime + 0.50%)
100% 3.20% (Prime + 0.75%) 2.95% (Prime + 0.50%)

B2B Bank Investment Loan Program Rates (No longer available as of May 6, 2019)

Loan amount Distribution Alliance Loan Program Select Loan Program Standard Loan Program
$10,000 - $99,999 3.45%
(Prime + 1.00%)
(Prime + 1.25%)
(Prime + 1.50%)
$100,000 - $300,000 3.20%
(Prime + 0.75%)
(Prime + 1.00%)
(Prime + 1.25%)
Available for all investment loan products including 100%, 3 For 1, 2 For 1 and 1 For 1 Loans, with or without a margin call option.

Learn more about our Investment Loan Programs.

B2B Bank RSP Loan Program Rates

Amortization Period Variable Rate Products Fixed Rate Products
1 year 2.95%
(Prime + 0.50%)
2 years 2.95%
(Prime + 0.50%)
3 – 5 years 4.75%
(Prime + 2.30%)
6 – 10 years 5.40%
(Prime + 2.95%)

B2B Bank TFSA Loan Program Rates

Amortization Period Variable Rate Products
1 – 2 years 3.45%
(Prime + 1.00%)
3 – 5 years 3.95%
(Prime + 1.50%)
6 – 10 years 5.35%
(Prime + 2.90%)

1 B2B Bank Prime Rate means the annual interest rate announced by B2B Bank from time to time as being its reference prime rate then in effect (the "Prime Rate"). The rate shown is as of March 31, 2020.

2 B2B Bank’s Alternative Rate means the annual interest rate announced by B2B Bank from time to time as being the reference alternative rate then in effect (the "Alternative Rate"). The Alternate Rate shown is as of October 19, 2019. All rates may fluctuate from time to time and are subject to change without prior notice.

The annual percentage rate (“APR”) cost of borrowing for a ten year term 100% Distribution Alliance Program investment loan of $100,000 is 3.20% (Prime Rate + 0.75%) as of March 31, 2020.

* Limited time offer available from November 18, 2019 12:00 a.m. ET through January 17, 2020 11:59 p.m. ET. This offer only applies to RSP loans, submitted with a variable rate and a selected term of 6- to-10-years with a minimum loan amount of $20,000. The variable sales rate may fluctuate for the duration of the loan based on B2B Bank's Prime Rate. This offer may be extended, modified, discontinued or withdrawn at any time without notice. Terms and conditions apply. All rates are subject to change without notice. Rates are applicable to principal and interest monthly payment types for RSP loans. The annual percentage rate (APR) is the same as the posted rate. The APR will vary on the term selected. For current interest rates, please visit

B2B Bank does not provide investment advice to individuals or advisors and does not endorse nor promote any investment products. The dealer and advisor, not B2B Bank, are responsible for determining the suitability of investments for their clients and for informing them of the risks associated with borrowing to invest. While investment loans have the ability to magnify gains, they also have the potential to magnify market losses. B2B Bank acts solely in the capacity of lender and loan account administrator. Any loan approval by B2B Bank should not be construed as an endorsement of any investment choice, program or strategy. All loans are subject to credit approval and borrowed monies are due and payable regardless of the performance of the investments purchased.