ATB Financial's Operating Loan is designed for businesses with borrowing needs in excess of $50,000.

As your line of credit, it provides the cash reserve needed to optimize your day-to-day operations. It allows you to take advantage of time-sensitive business opportunities like supplier discounts.

With an ATB Operating Loan, you don't have to rely on prompt customer payment to pay your bills. This means late payment penalties are avoided. Plus you only pay interest on the amount of the credit used, and you never have to re-apply. It's access to credit without unnecessary expense.

Use your ATB Operating Loan to:

• Finance your accounts receivable
• Cover daily operating expenses
• Take advantage of supplier discounts
• Avoid overdue payment penalties
• Reduce interest costs

Key features:

• Revolves automatically, no need to re-apply
• Interest is calculated only on amount used
• Variable interest rate
• Secured with inventory and receivables
• Up to 75% financing
• Flexible repayment terms

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For borrowing needs under $50,000, consider the convenience of an ATB Mastercard.