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Working Lines of Credit

Applying for a loan when a business opportunity suddenly presents itself may cause you to miss an opportunity.  An Inter National Bank line of credit ensures you always have access to funds when you need them.  Lines of credit are a great source of funds that can readily be tapped at your discretion. Additionally, you only pay interest on the money actually withdrawn. Secured or unsecured lines of credit are available.

Terms & Requirements


Flexibility to withdraw funds up to a pre-approved credit limit (not to exceed 80% of accounts receivables and 50% of inventory). Availability of funds decreases and increases as funds are borrowed and then repaid

Competitive variable and fixed rates

Term of the lines should not exceed 12 months (exceptions may apply)

Pay no interest until funds are drawn

The borrower may repay over time or in full at any time  

Payment terms may vary


Typical Requirements

Satisfactory credit history

Existing business with 2 full years of business history

Any principal owning 20% and over of the borrowing company should guarantee the credit

3 most recent years of business and personal tax returns (Borrower and Guarantors)

3 most recent years of business financial statements and interim business financial statements

Current Personal Financial Statements (Download a personal financial statement template here).

Current debt summary schedule for business and guarantor

Why Choose INB?

International banking is not foreign to us. At Inter National Bank, we make it easy to live, travel and work on both sides of the border with a full suite of financial products designed for you.

Frequently Asked Questions

If you have a question or need help with your account, we are a click or short phone call away. Find answers to our most common questions below, or if you would like, contact us and we will be more than happy to assist you.

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