To financial advisors across Canada, the name B2B Bank is synonymous with expertise in third-party investment and RSP lending. We believe the key to this success is our commitment to advisors in three important areas: providing high-quality products that meet the needs of their clients, straightforward processes and service, and access to knowledgeable and devoted teams.



B2B Bank's Prime Rate¹: 6.95%
B2B Bank's Alternative Rate²: 9.50%

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.


Investment loan type Loan rate
3:1, 2:1, 1:1 7.70% (Prime1 + 0.75%)
Loans $100,000 and above
7.70% (Prime1 + 0.75%)
Loans up to and including $99,999.99
7.95% (Prime1 + 1.00%)
Borrow to invest

Get started: Investment Loan workflow:

B2B Bank Registered Savings Plan (RSP) Loan Program offers a flexible lending solution that can help your clients' build savings for the future. We're here to help you deliver outstanding value to your clients as they invest for the future in a RRSP or Registered Education Savings Plan (RESP). At B2B Bank, we believe that means highly-competitive rates, a broad range of options and a loan administration process that's simple and fast.


Amortization period 1 year
(Prime1 + 1.00%)
Variable Rate
10.45% Fixed Rate
RSP Resource Centre

Get started: RSP Loan workflow:

Distribution Alliance Program

Over the years, B2B Bank has developed a solid reputation for delivering highly regarded Distribution Alliance Programs to leading insurance and mutual fund companies, as well as to select dealers.

We offer three types of Distribution Alliance Programs:

» Distribution Alliance Mutual Fund Loans
» Distribution Alliance Segregated Fund Loans
» Distribution Alliance RSP Loans

*Occasionally, B2B Bank may request POI/POA on certain applications. Subject to dealer requirements.

†1 The annual percentage rate (APR) is the same as the posted rate. The APR will vary on the term selected. The annual percentage rate (“APR”) cost of borrowing for a ten year term investment loan of $100,000 is 7.70% (Prime Rate + 0.75%) as of June 06, 2024.

2 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 Prime Rate shown is as of June 06, 2024.

3 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 June 06, 2024.

4 Subject to B2B Bank credit approval.

All rates may fluctuate from time to time and are subject to change without prior notice. 

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.