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1 Limited time offer available from May 6, 2019 12:00 a.m. ET through October 31, 2019 11:59 p.m. ET. This offer applies to all new Investment Loans applications only. Additional terms and conditions may apply. This offer may be extended, modified, discontinued or withdrawn at any time without notice.
2 The annual percentage rate (APR) is the same as the posted rate and is based on a ten-year term. The sale rate may fluctuate for the duration of the loan based on B2B Bank’s Prime Rate. The rate shown is as of May 9, 2019.
3 Prime Rate means the annual interest rate announced by B2B Bank from time to time as being its reference rate then in effect (the “Prime Rate”). The prime rate shown is 3.95% and is as of October 25, 2018. For current interest rates, please visit b2bbank.com. All rates are subject to change without prior notice.
4 Existing B2B Bank Investments Loans are not eligible for the promotional rate and re-write requests will receive non-sale rates.
This communication is intended for licensed advisors and head offices and is for informational purposes only. This communication can be distributed internally to all representatives of head offices. This communication is not intended to be distributed to the general public.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. ®B2B BANK is a registered trademark of B2B Bank.
At B2B Bank, we've developed a lending program that makes it easy for you to meet your clients' investment borrowing needs. Working closely with advisors across Canada, we have been offering investment loans for over 20 years.
Simply enter your client's application through EASE, or visit b2bbank.com/forms and fill out an application form.
EASE login »
Register for EASE online or contact us at 1.800.263.8349.
Fill out an application form »
To assist the investment loan process, below is a chart that outlines the proof of income and proof of asset document requirements. Select the income or asset type below to ensure you obtain the appropriate documentation from your clients.
One of the following is required:
TIP: You may also be required to provide a letter of employment from your client. Ensure that it is dated within the past 30 days.
Required to provide:
TIP: Ensure that the declared income on the loan application matches the net income on line 150 of the NOA.
TIP: You may also be required to provide one or more of the following documents from your client:
Ensure that the declared income on the loan application matches the net income on line 150 of the NOA.
Required to provide:
TIP: When your client is retired for less than one year, provide both of the following documents:
TIP: You may also be required to provide your client’s lease agreement.
The following income types and documentation will NOT be accepted:
Provide one of the following for each property:
TIP: Your client may also be required to provide one of the following documents:
If applicable, provide statement for each investment account (dated within 6 months):
Provide statements for each account (dated within 30 days):
The following asset types will NOT be accepted:
The following documentation types will NOT be accepted:
We offer four distinct loan types – all of which are competitively priced and available with or without a margin call option.
B2B Bank finances 100% of the investment.
B2B Bank lends up to three times the dollar amount pledged (in cash or in kind).
B2B Bank lends up to two times the dollar amount pledged (in cash or in kind).
B2B Bank matches the dollar amount pledged (in cash or in kind).
Apply for mutual fund investment loans and RSP loans at B2B Bank standard rates. For investment loans, this program allows for eligible multi-fund investments, with the largest variety of mutual funds, compared to other B2B Bank programs.
Available for mutual fund investment loans only. Submit a single application for eligible mutual funds from multiple B2B Bank Distribution Alliances and receive discounted pricing. This specific loan offers your clients better rates and greater portfolio diversification, compared to other B2B Bank programs.
Apply for loans at preferred Distribution Alliance rates. This program is available for mutual and segregated fund investment loans and RSP loans. For investment loans, collateral must remain within the same family of eligible funds offered by one Distribution Alliance.
LTV ≥ 125%4
1 x loan amt if
1.5 x loan amt if > $100,000
2 x loan amt if > $250,000
Investment Loan Application
Movable Hypothec on Investment Securities (QC only)
Non-Financial Account Changes
Redemption and Purchase Instructions (IL)
Switch Instruction Form
Investment Loan Workflow – mailed submissions
Investment Loan Workflow – online submissions
Investment Loan Overview
5 Cs of Credit
1Loan applications for amounts greater than $300,000 are welcome, however, credit qualification criteria, documentation requirements and processing time may vary.
2The LTV ratio of the loan must remain below the values shown after excess collateral is released. A credit bureau may be obtained prior to excess collateral release.
3GMWB funds can only be selected for pledge or purchase if the funds meet B2B Bank's collateral eligibility criteria and a Distribution Alliance agreement is in place with the life insurance company.
4Will occur once the LTV ratio is equal to or greater than 125% for 100% Loans or 100% for 3 For 1, 2 For 1 or 1 For 1 Loans. If after 3 months, the LTV ratios fall below 125% for 100% Loans and 100% for 3 For 1, 2 For 1 and 1 For 1 Loans, the borrower may request in writing to resume the Interest Only payments.
5Documentation for loans ≤ $100,000 may be requested at the discretion of B2B Bank.
6Certain criteria apply, such as funds must be traded electronically, valued at least weekly and in Canadian dollars. Retail Venture Capital, Alternative Strategies and Specialty (including Principal Protected Notes) are not eligible as loan collateral.
While investment loans have the ability to magnify gains, they also have the potential to magnify market losses. Work with your advisor to understand both the benefits and risks of this strategy.
B2B Bank does not provide investment advice to individuals or advisors and does not endorse or 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. B2B Bank acts solely in the capacity of lender and loan account administrator. Any loan approval from 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. B2B Bank reserves the right to request additional information or documentation at is sole discretion. The B2B Bank Investment Loan Program is available exclusively through licensed financial advisors.
This information is intended for financial intermediaries only.